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

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{| Border =1
 
{| Border =1
−
| <center>'''Time'''</center>
+
|'''Time'''
−
| <center>'''Narration'''</center>
+
|'''Narration'''
  
 
|-  
 
|-  
 
| 00:01
 
| 00:01
−
|  Hello Friends,Welcome to the Spoken Tutorial on Finance options for '''Biogas''' plant
+
|  Hello Friends! Welcome to the '''Spoken Tutorial''' on '''Finance options for Biogas plant'''.
  
 
|-  
 
|-  
 
| 00:10
 
| 00:10
−
|  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
−
|  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
−
| 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
−
| Pre-requisites required to avail the loan
+
|pre-requisites required to avail the loan
  
 
|-  
 
|-  
−
| 00:44
+
|00:44
−
| List of documents to be attached with loan application form  
+
|List of documents to be attached with loan application form-
  
 
|-  
 
|-  
Line 33: Line 33:
 
|-  
 
|-  
 
|  00:53
 
|  00:53
−
|Approximate break-up of the budget
+
| Approximate break-up of the budget
  
 
|-  
 
|-  
 
|  00:57
 
|  00:57
−
| And subsidies provided by the government of India to build a '''Biogas''' plant
+
|And subsidies provided by the government of India to build a biogas plant.
  
 
|-  
 
|-  
 
|  01:05
 
|  01:05
−
| 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.  
  
 
|-  
 
|-  
 
|  01:20
 
|  01:20
−
|  One should be also aware about the budget for building a '''Biogas''' plant  
+
|  One should be also aware about the budget for building a biogas plant.
  
 
|-  
 
|-  
 
| 01:27
 
| 01:27
−
|  The approximate cost for building the '''biogas''' plant is from Rs 20,000 to Rs 23,000/-  
+
|  The approximate cost for building the biogas plant is from Rs 20,000 to Rs 23,000/-.
  
 
|-  
 
|-  
 
|  01:39
 
|  01:39
−
|  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 Commission''' office of the respective district.  
  
 
|-  
 
|-  
 
|  01:53
 
|  01:53
−
| This office is also known as '''KVIC'''  
+
| This office is also known as '''KVIC'''.
  
 
|-  
 
|-  
 
|  01:59
 
|  01:59
−
| Each '''KVIC''' has a Rural Energy Technical department.  
+
| Each '''KVIC''' has a '''Rural Energy Technical department'''.  
  
 
|-  
 
|-  
 
|  02:05
 
|  02:05
−
| 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
−
|  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.  
  
 
|-  
 
|-  
Line 81: Line 81:
 
|-  
 
|-  
 
|  02:39
 
|  02:39
−
|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 e.g. 12 feet by 16 feet land is required for building 12 feet by 8 feet of biogas plant.  
  
 
|-  
 
|-  
 
|  02:56
 
|  02:56
−
|Adequate supply of water for daily feeding of the '''biogas''' plant.  
+
|Adequate supply of water for daily feeding of the biogas plant.  
  
 
|-  
 
|-  
Line 97: Line 97:
 
|-  
 
|-  
 
|  03:24
 
|  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.  
+
| 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
 
| 03:41
−
| The '''RET''' will also check the number and age of cattle  
+
| The '''RET''' will also check the number and age of cattle.
  
 
|-  
 
|-  
 
|  03:47
 
|  03:47
−
|For example  minimum 2 cows producing an average of 12 kg dung are required for a 2 cubic meter biogas plant  
+
|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
−
| Lastly, the '''RET''' will check- the Bank account/loan account of the applicant.  
+
| Lastly, the '''RET''' will check the bank account/loan account of the applicant.  
  
 
|-  
 
|-  
Line 125: Line 125:
 
|-  
 
|-  
 
|  04:46
 
|  04:46
−
| You may visit banks such as Private banks like IDBI bank, Canara bank, Union bank of India  
+
| You may visit banks such as private banks like IDBI bank, Canara bank, Union bank of India.
  
 
|-  
 
|-  
Line 145: Line 145:
 
|-  
 
|-  
 
| 05:47
 
| 05:47
−
|  However, it is to be noted that the following will vary from bank to bank.
+
|  However, it is to be noted that the following will vary from bank to bank-
  
 
|-  
 
|-  
 
|  05:56
 
|  05:56
−
| Loan amount, Sanction period , Interest of loan and Loan repayment  
+
| Loan amount, sanction period , interest of loan and loan repayment.
  
 
|-  
 
|-  
 
|  06:07
 
|  06:07
−
|  Loan formalities start with filling up of the forms such as the '''Loan Application Form'''.  
+
|  Loan formalities start with filling up of the forms such as the loan application form.  
  
 
|-  
 
|-  
Line 165: Line 165:
 
|-  
 
|-  
 
|  06:31
 
|  06:31
−
|Purpose of applying for the loan  
+
|purpose of applying for the loan,
  
 
|-  
 
|-  
 
|  06:35
 
|  06:35
−
|Name and Address of the applicant  
+
|name and address of the applicant,
  
 
|-  
 
|-  
 
|  06:40
 
|  06:40
−
|Resident of the respective village since year  
+
|resident of the respective village since year,
  
 
|-  
 
|-  
 
|  06:46
 
|  06:46
−
|Nature of activity  
+
|nature of activity,
  
 
|-  
 
|-  
 
|  06:49
 
|  06:49
−
|Age and Gender
+
|age and gender,
  
 
|-  
 
|-  
 
|  06:52
 
|  06:52
−
|Category-SC/ST/OBC and  other such details.  
+
|category-SC/ST/OBC and  other such details.  
  
 
|-  
 
|-  
Line 201: Line 201:
 
|-  
 
|-  
 
| 07:19
 
| 07:19
−
| Technical feasibility certificate  
+
|Technical feasibility certificate  
  
 
|-  
 
|-  
 
|  07:24
 
|  07:24
−
| Document of landholding
+
|Document of land holding
  
 
|-  
 
|-  
 
| 07:27
 
| 07:27
−
| Photocopy of '''Ration card''' and Proof of annual income  
+
|Photocopy of Ration card and proof of annual income.
  
 
|-  
 
|-  
Line 217: Line 217:
 
|-  
 
|-  
 
|  07:46
 
|  07:46
−
| We will receive the Branch Manager or Inspecting Officer’s Reference and Loan Approval.  
+
| We will receive the '''Branch Manager''' or '''inspecting officer'''’s reference and loan approval.  
  
 
|-  
 
|-  
 
|  07:55
 
|  07:55
−
|  Lets now talk about the cost factors for building the plant
+
|  Let's now talk about the cost factors for building the plant.
  
 
|-  
 
|-  
 
| 08:02
 
| 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.  
+
|  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
 
| 08:21
−
|  The raw material and transportation cost along with the mason charges may vary from region to region.  
+
|  The raw material and transportation cost along with the mason's charges may vary from region to region.  
  
 
|-  
 
|-  
Line 237: Line 237:
 
|-  
 
|-  
 
|  08:39
 
|  08:39
−
| Approximately Rs.4,000/- for the mason and his labourers
+
|Approximately Rs.4,000/- for the mason and his laborers
  
 
|-  
 
|-  
 
|  08:46
 
|  08:46
−
| Approximately Rs.1,300/- for the '''biogas '''burner stove  
+
|Approximately Rs.1,300/- for the '''biogas burner''' stove  
  
 
|-  
 
|-  
 
| 08:54
 
| 08:54
−
| Approximately Rs. 15,000/- for the raw material  
+
|Approximately Rs. 15,000/- for the raw material  
  
 
|-  
 
|-  
 
|  09:02
 
|  09:02
−
|   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
−
|  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
−
|  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
−
|  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.  
  
 
|-  
 
|-  
Line 272: Line 272:
 
|-  
 
|-  
 
| 10:14
 
| 10:14
−
|  I will now fill in the details as required in the form  
+
|  I will now fill in the details as required in the form.
  
 
|-  
 
|-  
Line 280: Line 280:
 
|-  
 
|-  
 
|  10:23
 
|  10:23
−
|  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
  
 
|-  
 
|-  
 
| 10:41
 
| 10:41
−
|  Photo of the applicant with the '''biogas''' plant.  
+
|  photo of the applicant with the biogas plant.  
  
 
|-  
 
|-  
 
|  10:45
 
|  10:45
−
|  Apart from banks, farmer groups also help financially for building a '''biogas''' plant.  
+
|  Apart from banks, farmer groups also help financially for building a biogas plant.  
  
 
|-  
 
|-  
−
| 10:55
+
|10:55
−
| Refer the given link for offices located in different states of the country
+
|Refer the given '''link''' for offices located in different states of the country.
  
 
|-  
 
|-  
 
| 11:02
 
| 11:02
−
|  Let us summarize: In this tutorial we have learnt  
+
|  Let us summarize. In this tutorial, we have learnt:
  
 
|-  
 
|-  
 
| 11:07
 
| 11:07
−
| How to apply for a loan to get a '''Biogas''' plant built
+
| How to apply for a loan to get a biogas plant built
  
 
|-  
 
|-  
 
| 11:13
 
| 11:13
−
| 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'''  
  
 
|-  
 
|-  
−
| 11:23
+
|11:23
−
| Pre-requisite(s) required to avail the loan  
+
|Pre-requisite(s) required to avail the loan.
  
 
|-  
 
|-  
 
| 11:27
 
| 11:27
−
| And we also learnt about  
+
| And, we also learnt about:
  
 
|-  
 
|-  
 
| 11:30
 
| 11:30
−
| List of documents to be attached with loan application form  
+
|List of documents to be attached with loan application form  
  
 
|-  
 
|-  
−
| 11:35
+
|11:35
−
| Cost factors for building the plant
+
|Cost factors for building the plant
  
 
|-  
 
|-  
−
| 11:38
+
|11:38
−
|Approximate break-up of the budget
+
|Approximate break-up of the budget and
  
 
|-  
 
|-  
 
|  11:42
 
|  11:42
−
| And subsidies provided by government of India to build a '''Biogas''' plant.
+
|Subsidies provided by the government of India to build a biogas plant.
  
 
|-  
 
|-  
−
| 11:49
+
|11:49
−
| This video was created by '''Spoken Tutorial Project''' with inputs from '''Rural-ICT team, IIT Bombay'''.  
+
|This video was created by '''Spoken Tutorial Project''' with inputs from '''Rural-ICT''' team, '''IIT Bombay'''.  
  
 
|-  
 
|-  
−
| 11:59
+
|11:59
−
| More information on these projects can be found at these links.  
+
|More information on these projects can be found at these links.  
  
 
|-  
 
|-  
 
| 12:04
 
| 12:04
−
| This is Bella Tony along with the animation team of the Spoken Tutorial project signing off.  
+
|This is Bella Tony along with the animation team of the Spoken Tutorial project, signing off. Thank you for joining.  
−
Thank you for joining.  
+
  
 
|}
 
|}

Latest revision as of 17:49, 16 March 2017

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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