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

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|  In this tutorial, we will learn how to apply for a loan to get a biogas plant built.
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|  In this tutorial, we will learn:
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* how to apply for a loan to get a biogas plant built  
  
 
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|  00:28
 
|  00:28
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| Fact that one can either self-finance or avail bank loan to build the biogas plant,
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|* Fact that one can either self-finance or avail bank loan to build the biogas plant
  
 
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|  00:39
 
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|  pre-requisites required to avail the loan.
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|* pre-requisites required to avail the loan
  
 
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|  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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|  00:49
 
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| Cost factors for building the plant
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|* Cost factors for building the plant
  
 
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|  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
 
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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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|  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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|  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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|Availability of land. For eg: 12 feet by 16 feet land is required for building 12feet by 8feet of biogas plant.  
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|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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| For example, 25 kgs of solid waste and 25 litres of water is required for a 12feet x 8 feet of biogas plant.  
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| 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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| 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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|  However, it is to be noted that the following will vary from bank to bank.
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|  However, it is to be noted that the following will vary from bank to bank-
  
 
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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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|* Document of landholding
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|* Document of land holding
  
 
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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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| 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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|  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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|  The raw material and transportation cost along with the mason charges may vary from region to region.  
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|  The raw material and transportation cost along with the mason's charges may vary from region to region.  
  
 
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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.
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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.
 
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| 09:28
 
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|  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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|  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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|  Let us summarize: In this tutorial, we have learnt  
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|  Let us summarize. In this tutorial, we have learnt:
  
 
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| * Fact that one can either self-finance or avail bank loan to build the '''biogas''' plant
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| * Fact that one can either self-finance or avail bank loan to build the '''biogas plant'''  
  
 
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|* Subsidies provided by government of India to build a biogas plant.
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|* Subsidies provided by the government of India to build a biogas plant.
  
 
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|11:49
 
|11:49
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|This video was created by '''Spoken Tutorial Project''' with inputs from '''Rural-ICT team, IIT Bombay'''.  
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|This video was created by '''Spoken Tutorial Project''' with inputs from '''Rural-ICT''' team, '''IIT Bombay'''.  
  
 
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Revision as of 21:07, 30 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 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.

Contributors and Content Editors

PoojaMoolya, Pratik kamble, Sandhya.np14

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