Difference between revisions of "Biogas-Plant/C2/Finance-options-for-Biogas-plant/English"

Cover Slide

Learning objective:

In this tutorial we will learn

1. How to apply for a loan to get a Biogas plant built.

2. Fact that-

• one can either self-finance or avail bank loan to build the Biogas plant

3. Pre-requisites required to avail the loan

• 1. How to apply for a loan to get a Biogas plant built.

2. Fact that-

• one can either self-finance or avail bank loan to build the Biogas plant

3. Pre-requisites required to avail the loan

Learning objective

We will also learn

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by government of India to build a Biogas plant

We will also learn

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by government of India to build a Biogas plant

It should be known that-

we can either self-finance or avail bank loan to build the Biogas plant.

we can either self-finance or avail bank loan to build the Biogas plant.

Finance options for Biogas

Budget for building a Biogas plant.

The approx. cost for building the Biogas plant is from-

• Rs 20,000 to Rs 23,000/-

• Visiting-

Khadi and Village Industries Commission office of the respective district.

• This office is also known as KVIC

• Each KVIC has a Rural Energy Technical department.

• Meet the Rural Energy Technician i.e. RET in the mentioned department.

• the prerequisite(s) required to avail the loan.

Pre-requisite

List of pre-requisite(s) to avail loan is as follows:

• Availability of land.

• Adequate supply of water

• Approx. quantity of available solid waste

• Approx. number and age of cattle

• Applicant’s Bank account/loan account

1. Availability of land-

For eg: 12ft x 16ft land is required for building 12ft x 8ft of Biogas plant.

2. Adequate supply of water for daily feeding of the Biogas plant.

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3. Approx. quantity of Solid waste-

either in the form of cow dung and /or the Bio-degradable waste.

• Please note, quantity of waste for the plant-

is directly proportional to the size of the plant.

• For example, 25 kgs of solid waste and 25 litres of water is required-

for a 12ft x 8 ft of Biogas plant.

4. The RET will also check the number and age of cattle.

• For example, minimum 2 cows producing an average of 12 kg dung are required-

for a 2 cubic meter Biogas plant

• This check is to ensure supply of 25 kgs of dung to the Biogas plant.

5. Lastly, the RET will check-

the Bank account/ loan account of the applicant.

If all the prerequisites are met, then the RET issues a technical feasibility certificate.

• Visit the nearest bank to avail loan.

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• Private banks like -

1. IDBI bank,
2. Canara bank,
3. Union bank of India

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1. Saraswat bank,
2. Dombivli nagari sahakari bank,
3. South canara district central cooperative bank (known as SCDCC),
4. Gramin bank of different States,
5. Development credit bank (Known as DCB) etc.

What is the amount of loan one can get from the bank?

Finance options for Biogas

The following will vary from bank to bank----

• loan amount
• sanction period
• interest of loan
• loan repayment

• loan amount
• sanction period
• interest of loan
• loan repayment

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• Filling up of the forms such as the ‘loan Application Form’.

The RET officer will help you in filling the form.

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1. Purpose of applying for the loan
2. Name and Address of the applicant
3. Resident of the respective village since year _____
4. Nature of activity
5. Age and Gender
6. Category-SC/ST/OBC

And other such details.

Image showing man holding the pen and scribbling on the loan application form

List of documents to be attached with loan application form:

1. Technical feasibility certificate

2. Document of landholding

3. Photocopy of Ration card

4. Proof of annual income

After filling the form, submit it to the bank officer for scrutiny.

After filling the form-

• we have to submit it to the bank officer for scrutiny.

Cost factors for building the plant?

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• Cost of raw material.
• Mason(s) charges.
• Transportation cost from the hardware shop to the plant site.

• along with mason charges may vary from region to region.

Approximate break-up of budget

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1. Approx. Rs.4,000/- for the mason and his labourers

2. Approx. Rs.1,300/- for the Biogas burner stove

3. Approx. Rs. 15,000/- for the raw material.

4. Approx. Rs. 2000/-

• as transportation charges from the hardware shop to the plant site.

Good news

Government of India provides subsidies to build a Biogas plant

• Government of India provides subsidies to build a Biogas plant.

• Rs 9,000/- for General Category

• Rs 11,000/- for SC/ST Category and

• Rs 17,000/- for North-Eastern States.

• is given if toilet is attached to the Biogas plant.

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This form is available with the local Gram Panchayat office.

• only after sufficient proof for the Biogas plant is given such as-

1. Technical feasibility certificate of the Biogas plant.

2. Photo of the applicant with the Biogas plant.

Farmers having discussion about the financial aid for building Biogas plant.

• farmer groups also help financially for building a Biogas plant.

Slide 14

Link for offices located in different states of the India-

http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/

Link for offices located in different states of the India-

http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/

Summary:

In this tutorial we learnt about :

1. How to apply for a loan to get a Biogas plant built.

2. Fact that-

• one can either self-finance or avail bank loan to build the Biogas plant

3. Pre-requisites required to avail the loan

In this tutorial we have learnt:

1. How to apply for a loan to get a Biogas plant built.

• Fact that-

2. one can either self-finance or avail bank loan to build the Biogas plant

3. Pre-requisites required to avail the loan

Summary

And we also learnt about-

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by Government of India to build a Biogas plant

Summary

And we also learnt about-

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by Government of India to build a Biogas plant

Acknowledgements

This video was created by:

Spoken Tutorial project with inputs from Rural-ICT team, IIT Bombay

Spoken tutorial Project with inputs from Rural-ICT team, IIT Bombay.

http://spoken-tutorial.org/NMEICT-Intro

http://ruralict.cse.iitb.ac.in/ in

http://spoken-tutorial.org/NMEICT-Intro

http://ruralict.cse.iitb.ac.in/ in

Pictures and technology support:

Courtesy:

Bhagirath Rural Development Foundation

Village- Zarap, Taluka- Kudal,

Dist.- Sindhudurg

Pictures and technology support:

Courtesy:

Bhagirath Rural Development Foundation

Village- Zarap, Taluka- Kudal,

Dist.- Sindhudurg

Thank you for joining.