Biogas-Plant/C2/Finance-options-for-Biogas-plant/English - Revision history

Nancyvarkey at 13:32, 27 May 2016

2016-05-27T13:32:05Z

Bellatony911 at 12:35, 24 May 2016

2016-05-24T12:35:08Z

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Nancyvarkey at 14:57, 6 May 2016

2016-05-06T14:57:51Z

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Bellatony911: Created page with "{| style="border-spacing:0;" | style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| Visual Cue | style="background-color:#ffffff;border..."

2016-04-25T11:10:26Z

Created page with "{| style="border-spacing:0;" | style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| <center>Visual Cue</center> | style="background-color:#ffffff;border..."

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{| style="border-spacing:0;"
| style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| <center>Visual Cue</center>
| style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| <center>'''Narration'''</center>

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide#1'''

'''Cover Slide'''
| style="border:1pt solid #000000;padding:0.176cm;"| Hello Friends,Welcome to the Spoken Tutorial on “'''Finance options for Biogas plant'''”

|-
| style="border:1pt solid #000000;padding:0.176cm;"|
| style="border:1pt solid #000000;padding:0.176cm;"| Earlier, we learnt about '''biogas '''and the benefits of having a '''biogas plant'''.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide#2'''
'''Learning objective:'''
In this tutorial we will learn
* How to apply for a loan to get a biogas plant built.
* Fact that one can either self-finance or avail bank loan to build the biogas plant
* Pre-requisites required to avail the loan
| style="border:1pt solid #000000;padding:0.176cm;"| In this tutorial we will learn:
* How to apply for a loan to get a biogas plant built.
* Fact that one can either self-finance or avail bank loan to build the biogas plant
* Pre-requisites required to avail the loan

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide#3'''

'''Learning objective'''
We will also learn
* List of documents to be attached with loan application form
* Cost factors for building the plant
* Approximate break-up of the budget
* Subsidies provided by government of India to build a Biogas plant
| style="border:1pt solid #000000;padding:0.176cm;"| * List of documents to be attached with loan application form
* Cost factors for building the plant
* Approximate break-up of the budget
* Subsidies provided by government of India to build a Biogas plant

|-
| style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| '''Slide#4'''

'''Finance options for Biogas'''
It should be known that-
we can either self-finance or avail bank loan to build the biogas plant.
| style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| Before we begin, it should be known that-
we can either self-finance or avail bank loan to build the biogas plant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide#5'''

'''Finance options for Biogas'''
Budget for building a Biogas plant.
| style="border:1pt solid #000000;padding:0.176cm;"| One should be also aware about the budget for building a Biogas plant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| The approx. cost for building the biogas plant is from Rs 20,000 to Rs 23,000/-

|-
| style="border:1pt solid #000000;padding:0.176cm;"| Insert image of KVIC office[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| The first step to get a Biogas plant built is -
* Visiting Khadi and Village Industries Commision (KVIC) office of the respective district.
* This office is also known as KVIC

|-
| style="border:1pt solid #000000;padding:0.176cm;"|
| style="border:1pt solid #000000;padding:0.176cm;"| * Each KVIC has a Rural Energy Technical department.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Meet the Rural Energy Technician i.e. RET in the mentioned department.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Request the RET to make a visit to the proposed Biogas plant site.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| Next, the RET will visit and inspect the prerequisite(s) required to avail the loan.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide#6'''

'''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
| style="border:1pt solid #000000;padding:0.176cm;"| List of pre-requisite(s) to avail loan is as follows:

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Availability of land. For eg: 12ft x 16ft land is required for building 12ft x 8ft of Biogas plant.
* Adequate supply of water for daily feeding of the biogas plant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
[[Image:]]
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Approx. quantity of Solid waste either in the form of cow dung and /or the bio-degradable waste.
* Pls. 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.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * The RET will also check the number and age of cattle
* For eg: 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.

|-
| style="border:1pt solid #000000;padding:0.176cm;"|
| style="border:1pt solid #000000;padding:0.176cm;"| * Lastly, the RET will check-
the Bank account/loan account of the applicant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| If all the prerequisites are met, then the RET issues a technical feasibility certificate.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
<center>[[Image:]]</center>
| style="border:1pt solid #000000;padding:0.176cm;"| Once the technical feasibility certificate is issued, visit the nearest bank to avail loan.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
[[Image:]]
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| You may visit banks such as
* Private banks like -
# IDBI bank,
# Canara bank,
# Union bank of India

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]][[Image:]]
[[Image:]][[Image:]]
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Co-operative banks like -
# Saraswat bank,
# Dombivli nagari sahakari bank,
# South canara district central cooperative bank (known as SCDCC),
# Gramin bank of different states,
# Development credit bank (Known as DCB) etc.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide# 7'''

'''Finance options for Biogas'''
'''What is the amount of loan one can get from the bank?'''
| style="border:1pt solid #000000;padding:0.176cm;"| So, what is the amount of loan one can get from the bank?

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| You will be surprised to know that you can avail 100% of loan from a bank.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 8'''

'''Finance options for Biogas'''
The following will vary from bank to bank----
* Loan amount
* Sanction period
* Interest of loan
* Loan repayment
| style="border:1pt solid #000000;padding:0.176cm;"| However, it is to be noted that the following will vary from bank to bank.
* Loan amount,
* Sanction period
* Interest of loan
* Loan repayment

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| Loan formalities start with filling up of the forms such as the ‘Loan Application Form’.
The RET officer will help you in filling the form.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]][[Image:]]
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| As shown- the following details have to be filled in the application form-
# Purpose of applying for the loan
# Name and Address of the applicant
# Resident of the respective village since year _____
# Nature of activity
# Age and Gender
# Category-SC/ST/OBC
And other such details.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>(Graphics)</center>
Image showing the same informally dressed man holding the pen and scribbling on the Loan application form
| style="border:1pt solid #000000;padding:0.176cm;"| I will now fill in the details as required in the form.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''<< Pause Recording>>'''
| style="border:1pt solid #000000;padding:0.176cm;"| '''<< Pause Recording>>'''

|-
| style="border:1pt solid #000000;padding:0.176cm;"| Image of the filled form
| style="border:1pt solid #000000;padding:0.176cm;"| The filled form would look like this.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 9'''

'''Finance options for Biogas'''
List of documents to be attached with loan application form:
| style="border:1pt solid #000000;padding:0.176cm;"| Along with the loan application form, the other documents to be attached are -

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Technical feasibility certificate

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Document of landholding

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Photocopy of Ration card

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| * Proof of annual income

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 10'''

'''Finance options for Biogas'''
After filling the form, submit it to the bank officer for scrutiny.
| style="border:1pt solid #000000;padding:0.176cm;"| After filling the form, we have to submit it to the bank officer for scrutiny.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
| style="border:1pt solid #000000;padding:0.176cm;"| We will receive the Branch Manager/Inspecting Officer’s Reference and Loan Approval.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 11'''

'''Finance options for Biogas'''
Cost factors for building the plant?
| style="border:1pt solid #000000;padding:0.176cm;"| Lets now talk about the cost factors for building the plant -

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]][[Image:]]
<center>[[Image:]][[Image:]]</center>
[[Image:]]
[[Image:]][[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| The cost for building the plant depends upon factors such as -
* Cost of raw material.
* Mason(s) charges.
* Transportation cost from the hardware shop to the plant site.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| The raw material and transportation cost along with mason charges may vary from region to region.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 12'''

'''Finance options for Biogas'''
Approximate break-up of budget
| style="border:1pt solid #000000;padding:0.176cm;"| The approximate break-up of budget is as follows:

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]][[Image:]]
[[Image:]]
<center>Rs. 4,000</center>
| style="border:1pt solid #000000;padding:0.176cm;"| * Approx. Rs.4,000/- for the mason and his labourers

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
<center>'''Rs. 1,300'''</center>
| style="border:1pt solid #000000;padding:0.176cm;"| * Approx. Rs.1,300/- for the '''biogas '''burner stove

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]][[Image:]]</center>
<center>[[Image:]][[Image:]][[Image:]][[Image:]]</center>
| style="border:1pt solid #000000;padding:0.176cm;"| * Approx. Rs. 15,000/- for the raw material.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
<center>[[Image:]]</center>
| style="border:1pt solid #000000;padding:0.176cm;"| * Approx. Rs. 2000/- as transportation charges from the hardware shop to the plant site.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 13'''

'''Finance options for Biogas'''
Good news
Government of India provides subsidies to build a Biogas plant
| style="border:1pt solid #000000;padding:0.176cm;"| 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

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
<center>[[Image:]]N</center>
<center>N</center>
<center>nn</center>
| style="border:1pt solid #000000;padding:0.176cm;"| 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.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
<center>(Graphics) Insert the image of biogas plant attached with toilet. </center>
| style="border:1pt solid #000000;padding:0.176cm;"| An extra subsidy of Rs1,200/- is given if toilet is attached to the Biogas plant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
[[Image:]]
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| To avail the subsidy we need to fill a form after the Biogas plant is built.
This form is available with the local Gram Panchayat office.

|-
| style="border:1pt solid #000000;padding:0.176cm;"|
| style="border:1pt solid #000000;padding:0.176cm;"| I will now fill in the details as required in the form

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''<< Pause Recording>>'''
| style="border:1pt solid #000000;padding:0.176cm;"| '''<< Pause Recording>>'''

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| The filled subsidy form will look like this.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
<center>[[Image:]][[Image:]]</center>
<center>[[Image:]]</center>
| style="border:1pt solid #000000;padding:0.176cm;"| Pls note that subsidy will be granted only after sufficient proof for the biogas plant is given.
* Technical feasibility certificate of the biogas plant.
* Photo of the applicant with the biogas plant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| Farmers having discussion about the financial aid for building biogas plant.
[[Image:]]
| style="border:1pt solid #000000;padding:0.176cm;"| Apart from banks, farmer groups also help financially for building a biogas plant.

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 14'''

Link for offices located in different states of the India- http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/
| style="border:1pt solid #000000;padding:0.176cm;"| Refer the given link for offices located in different states of the country- http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/

|-
| style="border:1pt solid #000000;padding:0.176cm;"| '''Slide 15'''

'''Summary'''
In this tutorial we learnt about :
* How to apply for a loan to get a biogas plant built.
* Fact that one can either self-finance or avail bank loan to build the biogas plant
* Pre-requisites required to avail the loan
| style="border:1pt solid #000000;padding:0.176cm;"| Let us summarize:
In this tutorial we learnt about :
* How to apply for a loan to get a biogas plant built.
* Fact that one can either self-finance or avail bank loan to build the biogas plant
* Pre-requisites required to avail the loan

|-
| style="border-top:1pt solid #000000;border-bottom:0.75pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;padding:0.176cm;"| '''Slide 16'''

'''Summary'''
And we also learnt about
* List of documents to be attached with loan application form
* Cost factors for building the plant
* Approximate break-up of the budget
| style="border-top:1pt solid #000000;border-bottom:0.75pt solid #000000;border-left:1pt solid #000000;border-right:1pt solid #000000;padding:0.176cm;"| * List of documents to be attached with loan application form
* Cost factors for building the plant
* Approximate break-up of the budget

|-
| style="border:0.75pt solid #000000;padding:0.071cm;"| Slide 17

'''Acknowledgements '''
This video was created by:
Spoken Tutorial project with inputs from
Rural-ICT IIT Bombay
More information on these projects can be found at these links
| style="border:0.75pt solid #000000;padding:0.071cm;"| This video was created by Spoken
Tutorial Project with inputs from
Rural-ICT team, IIT Bombay.
More information on these projects can be found at these links

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

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

|-
| style="border:0.75pt solid #000000;padding:0.071cm;"|
| style="border:0.75pt solid #000000;padding:0.071cm;"| Pictures and technology support:
Courtesy:
Bhagirath Rural Development Foundation
Village- Zarap, Taluka- Kudal,
Dist.- Sindhudurg

|-
| style="border:0.75pt solid #000000;padding:0.071cm;"|
| style="border:0.75pt solid #000000;padding:0.071cm;"|
This is Bella Tony along with the animation team of the Spoken
Tutorial project signing off.
Thank you for joining.

|}

@@ Line 21: / Line 21: @@
 In this tutorial we will learn
-. How to apply for a '''loan '''to get a '''Biogas plant''' built.
+#How to apply for a '''loan '''to get a '''Biogas plant''' built.
-. Fact that-
+#Pre-requisites required to avail the''' loan'''
-−
-* one can either self-finance or avail''' bank''' '''loan''' to build the '''Biogas plant'''
-−
-. Pre-requisites required to avail the''' loan'''
@@ Line 33: / Line 31: @@
-* 1. How to apply for a '''loan '''to get a '''Biogas plant''' built.
+#1. How to apply for a '''loan '''to get a '''Biogas plant''' built.
+#Fact that-
-. Fact that-
+#* one can either self-finance or avail''' bank''' '''loan''' to build the '''Biogas plant'''
+#Pre-requisites required to avail the''' loan'''
 * one can either self-finance or avail''' bank''' '''loan''' to build the '''Biogas plant'''
-−
-. Pre-requisites required to avail the''' loan'''
-−
 |-
@@ Line 59: / Line 53: @@
 | style="border:1pt solid #000000;padding:0.176cm;"|
 . List of documents to be attached with '''loan '''application form
@@ Line 76: / Line 68: @@
 we can either self-finance or avail '''bank loan '''to build the '''Biogas plant.'''
-| style="background-color:transparent;border:1pt solid #000000;padding:0.176cm;"| Before we begin, it should be known that-
+| style="background-color:transparent;border:1pt solid #000000;padding:0.176cm;"| Before we begin,
+*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'''.
 |-
@@ Line 85: / Line 76: @@
 Finance options for Biogas
 Budget for building a '''Biogas plant.'''
 | style="border:1pt solid #000000;padding:0.176cm;"| One should be also aware about the budget for building a '''Biogas plant'''.
@@ Line 121: / Line 110: @@
 |-
 | style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
-| style="border:1pt solid #000000;padding:0.176cm;"| * Request the '''RET''' to make a visit to the proposed '''Biogas plant''' site.
+| style="border:1pt solid #000000;padding:0.176cm;"|
 |-
@@ Line 127: / Line 117: @@
-| style="border:1pt solid #000000;padding:0.176cm;"| Next, the '''RET''' will visit and inspect-
+| style="border:1pt solid #000000;padding:0.176cm;"| Next, the '''RET''' will visit and inspect the prerequisite(s) required to avail the''' loan.'''
-−
-* the prerequisite(s) required to avail the''' loan.'''
 |-
@@ Line 174: / Line 162: @@
 | style="border:1pt solid #000000;padding:0.176cm;"|
-. Approx. quantity of Solid waste-
+. Approx. quantity of solid waste-
 either in the form of cow dung and /or the Bio-degradable waste.
@@ Line 182: / Line 170: @@
 is directly proportional to the size of the plant.
-* For example, 25 kgs of solid waste and 25 litres of water is required-
+* For example,
+**25 kgs of solid waste and 25 litres of water is required
-for a 12ft x 8 ft of '''Biogas plant.'''
+**for a 12ft x 8 ft of '''Biogas plant.'''
-−
 |-
@@ Line 195: / Line 182: @@
 . 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 example,
+**minimum 2 cows producing an average of 12 kg dung are required
-for a 2 cubic meter '''Biogas plant'''
+**for a 2 cubic meter '''Biogas plant'''
 * This check is to ensure supply of 25 kgs of dung to the '''Biogas plant.'''
@@ Line 207: / Line 194: @@
 . Lastly, the '''RET''' will check-
-the '''Bank''' account/''' loan '''account of the applicant.
+*the '''Bank''' account'''
 |-
@@ Line 220: / Line 210: @@
 <center>[[Image:]]</center>
-| style="border:1pt solid #000000;padding:0.176cm;"| Once the technical feasibility certificate is issued-
+| style="border:1pt solid #000000;padding:0.176cm;"|
+*Once the technical feasibility certificate is issued
-−
 * Visit the nearest''' bank''' to avail '''loan'''.
 |-
@@ Line 241: / Line 229: @@
 # Canara '''bank''',
 # Union '''bank '''of India
 |-
@@ Line 254: / Line 241: @@
 # '''Saraswat bank''',
-# '''Dombivli nagari sahakari bank''',
+# '''Dombivli Nagari Sahakari Bank''',
-# '''South canara district central cooperative bank''' (known as '''SCDCC'''),
+# '''South Canara District Central Cooperative Bank''' (known as '''SCDCC'''),
-# '''Gramin bank''' of different States,
+# '''Gramin Bank''' of different States,
-# '''Development credit bank '''(Known as '''DCB''') etc.
+# '''Development Credit Bank '''(Known as '''DCB''') etc.
-−
 |-
@@ Line 264: / Line 250: @@
 What is the amount of loan one can get from the bank?
 | style="border:1pt solid #000000;padding:0.176cm;"| So, what is the amount of '''loan''' one can get from the '''Bank'''?
@@ Line 278: / Line 263: @@
 The following will vary from '''bank '''to '''bank'''<nowiki>----</nowiki>
 * '''loan '''amount
@@ Line 286: / Line 270: @@
 | style="border:1pt solid #000000;padding:0.176cm;"| However, it is to be noted that the following will vary from '''bank '''to '''bank'''.
 * '''loan '''amount