Detailed Project Report
Mobile Fish Vending (Cycle, Motorcycle or Three-Wheeler with Ice Box)
—
Prepared on: 13 November 2026 · Prepared with Building Business DPR (buildingbusiness.in)
01 Project at a glance
- Total project cost
- ₹12.32 L
- Term loan from bank
- ₹11.08 L
- Promoter’s contribution
- ₹1.23 L
- Sales · Year 3
- ₹0.00 L
- Profit after tax · Year 3
- ₹-5.37 L
- Average DSCR
- -1.45
- Break-even (% of capacity used)
- —
02 Promoter and unit
| Promoter name | — |
|---|---|
| Business / firm name | — |
| Legal form | Proprietorship |
| Address of the unit | — |
| Applicant category | General · Rural |
03 The project
Selling fish door to door and at village markets from a cycle, motorcycle, three-wheeler or e-rickshaw fitted with an insulated ice box.
| Main product or service | Mobile Fish Vending (Cycle, Motorcycle or Three-Wheeler with Ice Box) |
|---|---|
| Installed capacity per year (at 100%) | 10,000 units |
04 Market
- Households on the vendor's round
- Buyers at weekly village markets
- Door-to-door sale
- Weekly haats and roadside points
05 Plant and machinery
| Item | Qty | ₹ | Total ₹ |
|---|---|---|---|
| Cycle with ice box | 1 | 10,000 | 10,000 |
| Motorcycle with ice box | 1 | 75,000 | 75,000 |
| Three-wheeler with ice box (including e-rickshaw) | 1 | 3,00,000 | 3,00,000 |
| Four-wheeler for fish marketing | 1 | 7,05,000 | 7,05,000 |
| Motorcycle with ice box for retail fish marketing (Andhra Pradesh, 2025-26) | 1 | 83,000 | 83,000 |
| Total | 11,73,000 |
Pre-filled from: Department of Fisheries, Government of West Bengal — PMMSY list of beneficiary-oriented schemes (unit costs); NABARD Bihar Regional Office — Unit Cost for Investment Activities in Agriculture and Allied Sectors in Bihar 2025-26. Prices in older reports will have gone up — enter today’s quotations.
06 Raw materials
- Fresh fish — bought daily
- Ice — from a local ice plant
07 Cost of project
| ₹ in lakh | |
|---|---|
| Plant and machinery | 11.73 |
| Contingency | 0.59 |
| Total fixed capital | 12.32 |
| Working capital margin | 0.00 |
| Total project cost | 12.32 |
08 Means of finance
| ₹ in lakh | % | |
|---|---|---|
| Promoter’s contribution | 1.23 | 10.0 |
| Term loan from bank | 11.08 | 90.0 |
| Total | 12.32 | 100.0 |
| Working capital loan (outside project cost) | 0.00 |
09 Key assumptions
| Selling price | ₹0 per units |
|---|---|
| Raw material & packing cost | ₹0 per units |
| Capacity used each year | 60% · 70% · 80% · 80% · 80% · 80% · 80% |
| Term loan interest rate (% a year) | 11% · 84 months (Moratorium 6) |
| Working capital method | Turnover method (RBI) · Working capital interest (% a year) 11% |
| Income tax rate | 25% |
| Yearly price and cost rise | 0% |
10 Production and sales
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capacity used | 60% | 70% | 80% | 80% | 80% | 80% | 80% |
| Production (units) | 6,000 | 7,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 |
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
11 Projected profitability
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Sales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Raw material and packing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Power and fuel | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Salaries and wages | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 | 2.88 |
| Rent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administration | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Selling and distribution | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Repairs and maintenance | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 |
| Insurance | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 |
| Total cost of operations | 3.19 | 3.19 | 3.19 | 3.19 | 3.19 | 3.19 | 3.19 |
| Operating profit (EBITDA) | -3.19 | -3.19 | -3.19 | -3.19 | -3.19 | -3.19 | -3.19 |
| Depreciation | 1.85 | 1.57 | 1.33 | 1.13 | 0.96 | 0.82 | 0.70 |
| Preliminary expenses written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest on term loan | 1.20 | 1.04 | 0.85 | 0.66 | 0.48 | 0.29 | 0.10 |
| Interest on working capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6.24 | -5.80 | -5.37 | -4.99 | -4.63 | -4.30 | -3.99 |
| Income tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit after tax | -6.24 | -5.80 | -5.37 | -4.99 | -4.63 | -4.30 | -3.99 |
12 Cash flow
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Profit after tax | -6.24 | -5.80 | -5.37 | -4.99 | -4.63 | -4.30 | -3.99 |
| Depreciation | 1.85 | 1.57 | 1.33 | 1.13 | 0.96 | 0.82 | 0.70 |
| Cash accruals (PAT + depreciation) | -4.39 | -4.23 | -4.04 | -3.85 | -3.66 | -3.48 | -3.29 |
| Term loan repaid | 0.85 | 1.71 | 1.71 | 1.71 | 1.71 | 1.71 | 1.71 |
| Owner’s drawings | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Surplus after repayment | -5.24 | -5.93 | -5.75 | -5.56 | -5.37 | -5.18 | -4.99 |
| Cash and bank | -5.24 | -11.17 | -16.92 | -22.48 | -27.85 | -33.03 | -38.02 |
13 Projected balance sheet
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Capital (own + subsidy) | 1.23 | 1.23 | 1.23 | 1.23 | 1.23 | 1.23 | 1.23 |
| Reserves and surplus | -6.24 | -12.03 | -17.41 | -22.39 | -27.02 | -31.32 | -35.31 |
| Term loan outstanding | 10.23 | 8.53 | 6.82 | 5.12 | 3.41 | 1.71 | 0.00 |
| Working capital loan | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 5.23 | -2.27 | -9.35 | -16.05 | -22.38 | -28.38 | -34.08 |
| Net fixed assets | 10.47 | 8.90 | 7.56 | 6.43 | 5.46 | 4.65 | 3.95 |
| Preliminary expenses not written off | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Current assets (stock and debtors) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and bank | -5.24 | -11.17 | -16.92 | -22.48 | -27.85 | -33.03 | -38.02 |
| Total assets | 5.23 | -2.27 | -9.35 | -16.05 | -22.38 | -28.38 | -34.08 |
14 Ratios and break-even
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Debt service coverage ratio (DSCR) | -1.55 | -1.16 | -1.25 | -1.35 | -1.46 | -1.60 | -1.76 |
| Break-even (% of capacity used) | — | — | — | — | — | — | — |
| Cash break-even | — | — | — | — | — | — | — |
| Average DSCR | -1.45 |
|---|---|
| Lowest DSCR | -1.76 |
| Payback period | — |
15 Depreciation
| Year → (₹ in lakh) | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Depreciation | 1.85 | 1.57 | 1.33 | 1.13 | 0.96 | 0.82 | 0.70 |
Written-down value method at Income-tax Rules block rates (building 10%, plant & machinery 15%, furniture 10%, computers 40%). Change them if your CA uses other rates.
16 Term loan repayment
| Year | Opening | Interest | Term loan repaid | Closing |
|---|---|---|---|---|
| 1 | 11.08 | 1.20 | 0.85 | 10.23 |
| 2 | 10.23 | 1.04 | 1.71 | 8.53 |
| 3 | 8.53 | 0.85 | 1.71 | 6.82 |
| 4 | 6.82 | 0.66 | 1.71 | 5.12 |
| 5 | 5.12 | 0.48 | 1.71 | 3.41 |
| 6 | 3.41 | 0.29 | 1.71 | 1.71 |
| 7 | 1.71 | 0.10 | 1.71 | 0.00 |
17 Licences and registrations
- FSSAI registration or licence
- Vehicle registration, insurance and driving licence for motor vehicles
- Street-vending certificate from the local body where required
18 Government schemes that may apply
- Pradhan Mantri MUDRA Yojana (PMMY) – Shishu, Kishor, Tarun, Tarun Plus
19 Sources
- Department of Fisheries, Government of West Bengal — PMMSY list of beneficiary-oriented schemes (unit costs) — https://wbfisheries.wb.gov.in/official/pdf_upload_file/58091877_2023-05-29_Beneficiar-Oriented-Schemes.pdf
- NABARD Bihar Regional Office — Unit Cost for Investment Activities in Agriculture and Allied Sectors in Bihar 2025-26 — https://www.nabard.org/auth/writereaddata/tender/pub_0810250453461849.pdf
- NABARD Andhra Pradesh Regional Office — A Comprehensive Guide of Unit Costs on Investment in Agriculture and Allied Sectors 2025-26 — https://www.nabard.org/auth/writereaddata/tender/pub_2409250327511846.pdf
This report is a projection from the figures entered by the promoter. It is not a bank appraisal or a guarantee of a loan or subsidy. Check every figure with current quotations and your chartered accountant before submitting it.