View source for Biogas-Plant/C2/Finance-options-for-Biogas-plant/English-timed

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|'''Time'''
|'''Narration'''

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| 00:01
|  Hello Friends! Welcome to the '''Spoken Tutorial''' on '''Finance options for Biogas plant'''. 

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| 00:10
|  Earlier, we learnt about biogas and the benefits of having a biogas plant. 

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| 00:18
|  In this tutorial, we will learn:
* how to apply for a loan to get a biogas plant built 

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|  00:28
|* Fact that one can either self-finance or avail bank loan to build the biogas plant

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|  00:39
|*  pre-requisites required to avail the loan

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|  00:44
|* List of documents to be attached with loan application form- 

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|  00:49
|* Cost factors for building the plant

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|  00:53
|* Approximate break-up of the budget

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|  00:57
|* And subsidies provided by the government of India to build a biogas plant.

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|  01:05
| Before we begin, it should be known that we can either self-finance or avail bank loan to build the biogas plant. 

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|  01:20
|  One should be also aware about the budget for building a biogas plant. 

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| 01:27
|  The approximate cost for building the biogas plant is from Rs 20,000 to Rs 23,000/-. 

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|  01:39
|  The first step to get a biogas plant built is - visiting '''Khadi and Village Industries Commission''' office of the respective district. 

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|  01:53
| This office is also known as '''KVIC'''. 

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|  01:59
| Each '''KVIC''' has a '''Rural Energy Technical department'''. 

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|  02:05
| Meet the '''Rural Energy Technician''' i.e.'''RET''' in the mentioned department. 

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|  02:14
|  Request the '''RET''' to make a visit to the proposed biogas plant site. 

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|  02:22
|  Next, the '''RET''' will visit and inspect the prerequisite(s) required to avail the loan. 

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| 02:32
|  List of pre-requisite(s) to avail the loan is as follows: 

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|  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. 

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|  02:56
|Adequate supply of water for daily feeding of the biogas plant. 

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| 03:03
| Approximate quantity of  solid waste either in the form of cow-dung and /or the bio-degradable waste. 

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|  03:14
| Please note, quantity of waste for the plant is directly proportional to the size of the plant. 

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|  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. 

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| 03:41
| The '''RET''' will also check the number and age of cattle. 

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|  03:47
|For example,  minimum 2 cows producing an average of 12 kg dung are required for a 2 cubic meter biogas plant. 

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|  04:03
|This check is to ensure supply of 25 kgs of dung to the biogas plant. 

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|  04:14
| Lastly, the '''RET''' will check the bank account/loan account of the applicant. 

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|  04:25
| If all the prerequisites are met, then the '''RET''' issues a technical feasibility certificate. 

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|  04:35
| Once the technical feasibility certificate is issued, visit the nearest bank to avail the loan. 

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|  04:46
| You may visit banks such as private banks like IDBI bank, Canara bank, Union bank of India. 

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|  04:59
| Co-operative banks like  Saraswat bank,  Dombivli nagari sahakari bank, South canara district central cooperative bank (known as SCDCC), 

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|  05:18
|Gramin bank of different states, and Development credit bank (Known as DCB) etc. 

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| 05:31
| So, what is the amount of loan one can get from the bank? 

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| 05:38
| You will be surprised to know that you can avail 100% of loan from a bank. 

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| 05:47
|  However, it is to be noted that the following will vary from bank to bank- 

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|  05:56
| Loan amount, sanction period , interest of loan and loan repayment. 

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|  06:07
|  Loan formalities start with filling up of the forms such as the loan application form. 

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|  06:17
|The '''RET''' officer will help you in filling the form. 

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|  06:24
|  As shown- the following details have to be filled in the application form- 

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|  06:31
|purpose of applying for the loan, 

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|  06:35
|name and address of the applicant, 

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|  06:40
|resident of the respective village since year,

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|  06:46
|nature of activity, 

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|  06:49
|age and gender, 

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|  06:52
|category-SC/ST/OBC and  other such details. 

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|  07:01
|  I will now fill in the details as required in the form. 

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| 07:07
|  The filled form would look like this. 

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| 07:11
|  Along with the loan application form, the other documents to be attached are - 

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| 07:19
|*  Technical feasibility certificate 

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|  07:24
|* Document of land holding 

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| 07:27
|*  Photocopy of Ration card and proof of annual income. 

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| 07:35
|  After filling the form, we have to submit it to the bank officer for scrutiny. 

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|  07:46
| We will receive the '''Branch Manager''' or '''inspecting officer'''’s reference and loan approval. 

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|  07:55
|  Let's now talk about the cost factors for building the plant.

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| 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. 

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| 08:21
|  The raw material and transportation cost along with the mason's charges may vary from region to region. 

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| 08:33
|  The approximate break-up of budget is as follows: 

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|  08:39
|* Approximately Rs.4,000/- for the mason and his laborers 

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|  08:46
|* Approximately Rs.1,300/- for the '''biogas burner''' stove 

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| 08:54
|* Approximately Rs. 15,000/- for the raw material 

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|  09:02
|*  Approximately Rs. 2000/- as transportation charges from the hardware shop to the plant site. 

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|  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.
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| 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. 

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| 09:50
|  An extra subsidy of Rs 1,200/- is given if toilet is attached to the biogas plant. 

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|  10:00
|  To avail the subsidy, we need to fill a form after the biogas plant is built. 

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| 10:07
| This form is available with the local '''Gram Panchayat''' office. 

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| 10:14
|  I will now fill in the details as required in the form. 

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|  10:19
|  The filled subsidy form will look like this. 

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|  10:23
|  Please note that subsidy will be granted only after sufficient proof for the biogas plant is given such as:

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| 10:35
| technical feasibility certificate of the biogas plant and

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| 10:41
|  photo of the applicant with the biogas plant. 

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|  10:45
|  Apart from banks, farmer groups also help financially for building a biogas plant. 

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|10:55
|Refer the given '''link''' for offices located in different states of the country.

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| 11:02
|  Let us summarize. In this tutorial, we have learnt: 

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| 11:07
| * How to apply for a loan to get a biogas plant built

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| 11:13
| * Fact that one can either self-finance or avail bank loan to build the '''biogas plant''' 

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|11:23
|* Pre-requisite(s) required to avail the loan. 

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| 11:27
| And, we also learnt about: 

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| 11:30
|* List of documents to be attached with loan application form 

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|11:35
|* Cost factors for building the plant

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|11:38
|* Approximate break-up of the budget and

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|  11:42
|* Subsidies provided by the government of India to build a biogas plant.

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|11:49
|This video was created by '''Spoken Tutorial Project''' with inputs from '''Rural-ICT''' team, '''IIT Bombay'''. 

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|11:59
|More information on these projects can be found at these links. 

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| 12:04
|This is Bella Tony along with the animation team of the Spoken Tutorial project, signing off. Thank you for joining. 

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