Biogas-Plant/C2/Finance-options-for-Biogas-plant/English-timed
From Script | Spoken-Tutorial
| Time | Narration |
| 00:01 | Hello Friends! Welcome to the Spoken Tutorial on Finance options for Biogas plant. |
| 00:10 | Earlier, we learnt about biogas and the benefits of having a biogas plant. |
| 00:18 | In this tutorial, we will learn:how to apply for a loan to get a biogas plant built |
| 00:28 | Fact that one can either self-finance or avail bank loan to build the biogas plant |
| 00:39 | pre-requisites required to avail the loan |
| 00:44 | List of documents to be attached with loan application form- |
| 00:49 | Cost factors for building the plant |
| 00:53 | Approximate break-up of the budget |
| 00:57 | And subsidies provided by the government of India to build a biogas plant. |
| 01:05 | Before we begin, it should be known that we can either self-finance or avail bank loan to build the biogas plant. |
| 01:20 | One should be also aware about the budget for building a biogas plant. |
| 01:27 | The approximate cost for building the biogas plant is from Rs 20,000 to Rs 23,000/-. |
| 01:39 | The first step to get a biogas plant built is - visiting Khadi and Village Industries Commission office of the respective district. |
| 01:53 | This office is also known as KVIC. |
| 01:59 | Each KVIC has a Rural Energy Technical department. |
| 02:05 | Meet the Rural Energy Technician i.e.RET in the mentioned department. |
| 02:14 | Request the RET to make a visit to the proposed biogas plant site. |
| 02:22 | Next, the RET will visit and inspect the prerequisite(s) required to avail the loan. |
| 02:32 | List of pre-requisite(s) to avail the loan is as follows: |
| 02:39 | Availability of land. For e.g. 12 feet by 16 feet land is required for building 12 feet by 8 feet of biogas plant. |
| 02:56 | Adequate supply of water for daily feeding of the biogas plant. |
| 03:03 | Approximate quantity of solid waste either in the form of cow-dung and /or the bio-degradable waste. |
| 03:14 | Please note, quantity of waste for the plant is directly proportional to the size of the plant. |
| 03:24 | For example, 25 kgs of solid waste and 25 litres of water are required for a 12 feet x 8 feet of biogas plant. |
| 03:41 | The RET will also check the number and age of cattle. |
| 03:47 | For example, minimum 2 cows producing an average of 12 kg dung are required for a 2 cubic meter biogas plant. |
| 04:03 | This check is to ensure supply of 25 kgs of dung to the biogas plant. |
| 04:14 | Lastly, the RET will check the bank account/loan account of the applicant. |
| 04:25 | If all the prerequisites are met, then the RET issues a technical feasibility certificate. |
| 04:35 | Once the technical feasibility certificate is issued, visit the nearest bank to avail the loan. |
| 04:46 | You may visit banks such as private banks like IDBI bank, Canara bank, Union bank of India. |
| 04:59 | Co-operative banks like Saraswat bank, Dombivli nagari sahakari bank, South canara district central cooperative bank (known as SCDCC), |
| 05:18 | Gramin bank of different states, and Development credit bank (Known as DCB) etc. |
| 05:31 | So, what is the amount of loan one can get from the bank? |
| 05:38 | You will be surprised to know that you can avail 100% of loan from a bank. |
| 05:47 | However, it is to be noted that the following will vary from bank to bank- |
| 05:56 | Loan amount, sanction period , interest of loan and loan repayment. |
| 06:07 | Loan formalities start with filling up of the forms such as the loan application form. |
| 06:17 | The RET officer will help you in filling the form. |
| 06:24 | As shown- the following details have to be filled in the application form- |
| 06:31 | purpose of applying for the loan, |
| 06:35 | name and address of the applicant, |
| 06:40 | resident of the respective village since year, |
| 06:46 | nature of activity, |
| 06:49 | age and gender, |
| 06:52 | category-SC/ST/OBC and other such details. |
| 07:01 | I will now fill in the details as required in the form. |
| 07:07 | The filled form would look like this. |
| 07:11 | Along with the loan application form, the other documents to be attached are - |
| 07:19 | Technical feasibility certificate |
| 07:24 | Document of land holding |
| 07:27 | Photocopy of Ration card and proof of annual income. |
| 07:35 | After filling the form, we have to submit it to the bank officer for scrutiny. |
| 07:46 | We will receive the Branch Manager or inspecting officer’s reference and loan approval. |
| 07:55 | Let's now talk about the cost factors for building the plant. |
| 08:02 | The cost for building the plant depends upon factors such as cost of raw material, mason's charges and transportation cost from the hardware shop to the plant site. |
| 08:21 | The raw material and transportation cost along with the mason's charges may vary from region to region. |
| 08:33 | The approximate break-up of budget is as follows: |
| 08:39 | Approximately Rs.4,000/- for the mason and his laborers |
| 08:46 | Approximately Rs.1,300/- for the biogas burner stove |
| 08:54 | Approximately Rs. 15,000/- for the raw material |
| 09:02 | Approximately Rs. 2000/- as transportation charges from the hardware shop to the plant site. |
| 09:13 | A good news for all those who plan to build a biogas plant is that- Government of India provides subsidies to build a biogas plant. |
| 09:28 | The subsidies provided to applicants are: Rs 9,000/- for general category, Rs 11,000/- for SC/ST category and Rs 17,000/- for North-Eastern States. |
| 09:50 | An extra subsidy of Rs 1,200/- is given if toilet is attached to the biogas plant. |
| 10:00 | To avail the subsidy, we need to fill a form after the biogas plant is built. |
| 10:07 | This form is available with the local Gram Panchayat office. |
| 10:14 | I will now fill in the details as required in the form. |
| 10:19 | The filled subsidy form will look like this. |
| 10:23 | Please note that subsidy will be granted only after sufficient proof for the biogas plant is given such as: |
| 10:35 | technical feasibility certificate of the biogas plant and |
| 10:41 | photo of the applicant with the biogas plant. |
| 10:45 | Apart from banks, farmer groups also help financially for building a biogas plant. |
| 10:55 | Refer the given link for offices located in different states of the country. |
| 11:02 | Let us summarize. In this tutorial, we have learnt: |
| 11:07 | How to apply for a loan to get a biogas plant built |
| 11:13 | Fact that one can either self-finance or avail bank loan to build the biogas plant |
| 11:23 | Pre-requisite(s) required to avail the loan. |
| 11:27 | And, we also learnt about: |
| 11:30 | List of documents to be attached with loan application form |
| 11:35 | Cost factors for building the plant |
| 11:38 | Approximate break-up of the budget and |
| 11:42 | Subsidies provided by the government of India to build a biogas plant. |
| 11:49 | This video was created by Spoken Tutorial Project with inputs from Rural-ICT team, IIT Bombay. |
| 11:59 | More information on these projects can be found at these links. |
| 12:04 | This is Bella Tony along with the animation team of the Spoken Tutorial project, signing off. Thank you for joining. |
