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

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| 00:01
 
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|  Hello Friends,Welcome to the Spoken Tutorial on Finance options for '''Biogas''' plant
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|  Hello Friends! Welcome to the '''Spoken Tutorial''' on '''Finance options for Biogas plant'''.
  
 
|-  
 
|-  
 
| 00:10
 
| 00:10
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|  Earlier, we learnt about '''biogas '''and the benefits of having a '''biogas''' plant.  
+
|  Earlier, we learnt about biogas and the benefits of having a biogas plant.  
  
 
|-  
 
|-  
 
| 00:18
 
| 00:18
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|  In this tutorial we will learn: How to apply for a loan to get a '''biogas''' plant built.  
+
|  In this tutorial, we will learn how to apply for a loan to get a biogas plant built.  
  
 
|-  
 
|-  
 
|  00:28
 
|  00:28
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| Fact that one can either self-finance or avail bank loan to build the '''biogas''' plant
+
| Fact that one can either self-finance or avail bank loan to build the biogas plant,
  
 
|-  
 
|-  
 
|  00:39
 
|  00:39
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|  Pre-requisites required to avail the loan
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|  pre-requisites required to avail the loan.
  
 
|-  
 
|-  
 
|  00:44
 
|  00:44
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| List of documents to be attached with loan application form  
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| List of documents to be attached with loan application form-
  
 
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|-  
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|-  
 
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|  00:53
 
|  00:53
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|Approximate break-up of the budget
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| Approximate break-up of the budget
  
 
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|-  
 
|  00:57
 
|  00:57
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| And subsidies provided by the government of India to build a '''Biogas''' plant
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| And subsidies provided by the government of India to build a biogas plant.
  
 
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|-  
 
|  01:05
 
|  01:05
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| Before we begin, it should be known that we can either self-finance or avail bank loan to build the '''biogas''' plant.  
+
| 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
 
|  01:20
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|  One should be also aware about the budget for building a '''Biogas''' plant  
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|  One should be also aware about the budget for building a biogas plant.
  
 
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| 01:27
 
| 01:27
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|  The approximate cost for building the '''biogas''' plant is from Rs 20,000 to Rs 23,000/-  
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|  The approximate cost for building the biogas plant is from Rs 20,000 to Rs 23,000/-.
  
 
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|  01:39
 
|  01:39
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|  The first step to get a Biogas plant built is - Visiting '''Khadi''' and Village Industries Commision office of the respective district.  
+
|  The first step to get a biogas plant built is - visiting '''Khadi and Village Industries Commision''' office of the respective district.  
  
 
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|  01:53
 
|  01:53
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| This office is also known as '''KVIC'''  
+
| This office is also known as '''KVIC'''.
  
 
|-  
 
|-  
 
|  01:59
 
|  01:59
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| Each '''KVIC''' has a Rural Energy Technical department.  
+
| Each '''KVIC''' has a '''Rural Energy Technical department'''.  
  
 
|-  
 
|-  
 
|  02:05
 
|  02:05
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| Meet the Rural Energy Technician i.e.'''RET''' in the mentioned department.  
+
| Meet the '''Rural Energy Technician''' i.e.'''RET''' in the mentioned department.  
  
 
|-  
 
|-  
 
|  02:14
 
|  02:14
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|  Request the '''RET''' to make a visit to the proposed '''Biogas''' plant site.  
+
|  Request the '''RET''' to make a visit to the proposed biogas plant site.  
  
 
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|  02:39
 
|  02:39
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|Availability of land. For eg: 12 feet by 16 feet land is required for building 12feet by 8feet of '''Biogas''' plant.  
+
|Availability of land. For eg: 12 feet by 16 feet land is required for building 12feet by 8feet of biogas plant.  
  
 
|-  
 
|-  
 
|  02:56
 
|  02:56
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|Adequate supply of water for daily feeding of the '''biogas''' plant.  
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|Adequate supply of water for daily feeding of the biogas plant.  
  
 
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|  03:24
 
|  03:24
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| For example, 25 kgs of solid waste and 25 litres of water is required for a 12feet x 8 feet of '''biogas''' plant.  
+
| For example, 25 kgs of solid waste and 25 litres of water is required for a 12feet x 8 feet of biogas plant.  
  
 
|-  
 
|-  
 
| 03:41
 
| 03:41
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| The '''RET''' will also check the number and age of cattle  
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| The '''RET''' will also check the number and age of cattle.
  
 
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|  03:47
 
|  03:47
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|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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|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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|  04:14
 
|  04:14
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| Lastly, the '''RET''' will check- the Bank account/loan account of the applicant.  
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| Lastly, the '''RET''' will check- the bank account/loan account of the applicant.  
  
 
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|  04:46
 
|  04:46
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| You may visit banks such as Private banks like IDBI bank, Canara bank, Union bank of India  
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| You may visit banks such as private banks like IDBI bank, Canara bank, Union bank of India.
  
 
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|  05:56
 
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| Loan amount, Sanction period , Interest of loan and Loan repayment  
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| Loan amount, sanction period , interest of loan and loan repayment.
  
 
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|  06:07
 
|  06:07
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|  Loan formalities start with filling up of the forms such as the '''Loan Application Form'''.  
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|  Loan formalities start with filling up of the forms such as the Loan application form.  
  
 
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|  06:31
 
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|Purpose of applying for the loan  
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|purpose of applying for the loan,
  
 
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|  06:35
 
|  06:35
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|Name and Address of the applicant  
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|name and address of the applicant,
  
 
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|  06:40
 
|  06:40
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|Resident of the respective village since year  
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|resident of the respective village since year,
  
 
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|  06:46
 
|  06:46
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|Nature of activity  
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|nature of activity,
  
 
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|  06:49
 
|  06:49
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|Age and Gender
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|age and gender,
  
 
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|  06:52
 
|  06:52
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|Category-SC/ST/OBC and  other such details.  
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|category-SC/ST/OBC and  other such details.  
  
 
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| 07:19
 
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|  Technical feasibility certificate  
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|* Technical feasibility certificate  
  
 
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|  07:24
 
|  07:24
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| Document of landholding  
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|* Document of landholding  
  
 
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| 07:27
 
| 07:27
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|  Photocopy of '''Ration card''' and Proof of annual income  
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|* Photocopy of '''Ration card''' and proof of annual income.
  
 
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|  07:46
 
|  07:46
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| We will receive the Branch Manager or Inspecting Officer’s Reference and Loan Approval.  
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| We will receive the Branch Manager or Inspecting Officer’s Reference and Loan approval.  
  
 
|-  
 
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|  07:55
 
|  07:55
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|  Lets now talk about the cost factors for building the plant
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|  Let's now talk about the cost factors for building the plant.
  
 
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| 08:02
 
| 08:02
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|  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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|  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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|  08:39
 
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| Approximately Rs.4,000/- for the mason and his labourers
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|* Approximately Rs.4,000/- for the mason and his laborers
  
 
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|-  
 
|  08:46
 
|  08:46
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| Approximately Rs.1,300/- for the '''biogas '''burner stove  
+
|* Approximately Rs.1,300/- for the '''biogas '''burner stove  
  
 
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| 08:54
 
| 08:54
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| Approximately Rs. 15,000/- for the raw material  
+
|* Approximately Rs. 15,000/- for the raw material  
  
 
|-  
 
|-  
 
|  09:02
 
|  09:02
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|   Approximately Rs. 2000/- as transportation charges from the hardware shop to the plant site.  
+
|*  Approximately Rs. 2000/- as transportation charges from the hardware shop to the plant site.  
  
 
|-  
 
|-  
 
|  09:13
 
|  09:13
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|  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
+
|  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
 
| 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.  
+
|  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
 
| 09:50
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|  An extra subsidy of Rs 1,200/- is given if toilet is attached to the '''Biogas''' plant.  
+
|  An extra subsidy of Rs 1,200/- is given if toilet is attached to the biogas plant.  
  
 
|-  
 
|-  
 
|  10:00
 
|  10:00
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|  To avail the subsidy we need to fill a form after the '''Biogas''' plant is built.  
+
|  To avail the subsidy, we need to fill a form after the biogas plant is built.  
  
 
|-  
 
|-  
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|-  
 
|-  
 
| 10:14
 
| 10:14
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|  I will now fill in the details as required in the form  
+
|  I will now fill in the details as required in the form.
  
 
|-  
 
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|  10:23
 
|  10:23
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|  Please note that subsidy will be granted only after sufficient proof for the '''biogas''' plant is given such as
+
|  Please note that subsidy will be granted only after sufficient proof for the biogas plant is given such as:
  
 
|-  
 
|-  
 
| 10:35
 
| 10:35
−
| Technical feasibility certificate of the '''biogas''' plant. and
+
| Technical feasibility certificate of the '''biogas''' plant and
  
 
|-  
 
|-  

Revision as of 17:44, 27 November 2016

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 Commision 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 eg: 12 feet by 16 feet land is required for building 12feet by 8feet 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 is required for a 12feet 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 landholding
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 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
11:42 And subsidies provided by 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.

Contributors and Content Editors

PoojaMoolya, Pratik kamble, Sandhya.np14

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