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

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'''Cover Slide'''
 
'''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;"| 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;"|  
−
| 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;"| Earlier, we learnt about '''Biogas '''and the benefits of having a '''Biogas plant'''.
  
 
|-
 
|-
Line 17: Line 19:
 
'''Learning objective:'''
 
'''Learning objective:'''
 
In this tutorial we will learn
 
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 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'''
 
* Pre-requisites required to avail the loan
 
* Pre-requisites required to avail the loan
 
| style="border:1pt solid #000000;padding:0.176cm;"| In this tutorial we will learn:
 
| 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.
+
* 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
+
* Fact that one can either self-finance or avail bank loan to build the '''Biogas plant'''
 
* Pre-requisites required to avail the loan
 
* Pre-requisites required to avail the loan
  
Line 35: Line 37:
 
* Subsidies provided by government of India to build a Biogas plant
 
* 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   
 
| style="border:1pt solid #000000;padding:0.176cm;"| * List of documents to be attached with loan application form   
−
* Cost factors for building the plant   
+
* Cost factors for building the '''plant'''  
 
* Approximate break-up of the budget
 
* Approximate break-up of the budget
−
* Subsidies provided by government of India to build a Biogas plant
+
* Subsidies provided by government of India to build a '''Biogas plant'''
  
 
|-
 
|-
Line 46: Line 48:
 
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.
 
| style="background-color:#ffffff;border:1pt solid #000000;padding:0.176cm;"| Before we begin, it should be known that-
 
| 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.
+
 
 +
*we can either self-finance or avail bank loan to build the '''Biogas plant'''.
  
 
|-
 
|-
Line 52: Line 55:
  
 
'''Finance options for Biogas'''
 
'''Finance options for Biogas'''
−
Budget for building a Biogas plant.
+
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;"| 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;"| [[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;"| 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;"| Insert image of KVIC office[[Image:]]
−
| style="border:1pt solid #000000;padding:0.176cm;"| The first step to get a Biogas plant built is -  
+
| 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.
 
* Visiting Khadi and Village Industries Commision (KVIC) office of the respective district.
−
* This office is also known as KVIC
+
* This office is also known as '''KVIC'''
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"|  
 
| 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;"|  
 +
* 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;"| [[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;"|  
 +
* Meet the R'''ural Energy Technicia'''n i.e. '''RET''' in the mentioned department.
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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;"|  
 +
* 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;"| [[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;"| Next, the '''RET''' will visit and inspect the prerequisite(s) required to avail the loan.
  
 
|-
 
|-
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|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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.
+
| style="border:1pt solid #000000;padding:0.176cm;"|  
−
* Adequate supply of water for daily feeding of the biogas plant.
+
* 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'''.
  
 
|-
 
|-
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[[Image:]]
 
[[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.
+
| style="border:1pt solid #000000;padding:0.176cm;"|  
−
* Pls. note, quantity of waste for the plant is directly proportional to the size of the plant.
+
* Approx. quantity of Solid waste either in the form of cow dung and /or the bio-degradable waste.
−
* For example, 25 kgs of solid waste and 25 litres of water is required for a 12ft x 8 ft of biogas plant.
+
* 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;"| [[Image:]]
−
| style="border:1pt solid #000000;padding:0.176cm;"| * The RET will also check the number and age of cattle
+
| style="border:1pt solid #000000;padding:0.176cm;"|  
−
* For eg: minimum 2 cows producing an average of 12 kg dung are required for a 2 cubic meter biogas plant
+
* The '''RET''' will also check the number and age of cattle
−
* This check is to ensure supply of 25 kgs of dung to the biogas plant.
+
* 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;"|  
−
| style="border:1pt solid #000000;padding:0.176cm;"| * Lastly, the RET will check-
+
| style="border:1pt solid #000000;padding:0.176cm;"|  
−
the Bank account/loan account of the applicant.
+
* 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;"| [[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;"| 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>
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
<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;"| Once the '''technical feasibility certificate''' is issued, visit the nearest bank to avail loan.
  
 
|-
 
|-
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| style="border:1pt solid #000000;padding:0.176cm;"| You may visit banks such as  
 
| style="border:1pt solid #000000;padding:0.176cm;"| You may visit banks such as  
 
* Private banks like -
 
* Private banks like -
−
# IDBI bank,
+
# '''IDBI bank''',
−
# Canara bank,
+
# '''Canara bank''',
−
# Union bank of India
+
# '''Union Bank of India'''
  
 
|-
 
|-
Line 141: Line 151:
 
[[Image:]]
 
[[Image:]]
 
| style="border:1pt solid #000000;padding:0.176cm;"| * Co-operative banks like -
 
| style="border:1pt solid #000000;padding:0.176cm;"| * Co-operative banks like -
−
# Saraswat bank,  
+
# '''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.
  
 
|-
 
|-
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| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
[[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’.
+
| 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.
+
The '''RET officer''' will help you in filling the form.
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]][[Image:]]
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]][[Image:]]
 
[[Image:]]
 
[[Image:]]
−
| style="border:1pt solid #000000;padding:0.176cm;"| As shown- the following details have to be filled in the application form-
+
| 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
 
# Purpose of applying for the loan
 
# Name and Address of the applicant
 
# Name and Address of the applicant
Line 213: Line 223:
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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;"| '''Technical feasibility certificate'''
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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;"| Document of landholding
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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;"| Photocopy of Ration card
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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;"| Proof of annual income  
  
 
|-
 
|-
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'''Finance options for Biogas'''
 
'''Finance options for Biogas'''
 
After filling the form, submit it to the bank officer for scrutiny.
 
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;"| 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;"| <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;"| We will receive the '''Branch Manager/Inspecting Officer’s Reference''' and '''Loan Approval'''.
  
 
|-
 
|-
Line 243: Line 253:
 
'''Finance options for Biogas'''
 
'''Finance options for Biogas'''
 
Cost factors for building the plant?
 
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;"| Let's now talk about the cost factors for building the '''plant'''.
  
 
|-
 
|-
Line 250: Line 260:
 
[[Image:]]
 
[[Image:]]
 
[[Image:]][[Image:]]
 
[[Image:]][[Image:]]
−
| style="border:1pt solid #000000;padding:0.176cm;"| The cost for building the plant depends upon factors such as -
+
| style="border:1pt solid #000000;padding:0.176cm;"| The cost for building the '''plant''' depends upon factors such as -
 
* Cost of raw material.
 
* Cost of raw material.
 
* Mason(s) charges.
 
* Mason(s) charges.
Line 270: Line 280:
 
[[Image:]]
 
[[Image:]]
 
<center>Rs. 4,000</center>
 
<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;"| Approx. Rs.4,000/- for the mason and his labourers.
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
<center>'''Rs. 1,300'''</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;"| Approx. Rs.1,300/- for the '''Biogas '''burner stove.
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]][[Image:]]</center>
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]][[Image:]]</center>
 
<center>[[Image:]][[Image:]][[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;"| Approx. Rs. 15,000/- for the raw material.
  
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
<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;"| Approx. Rs. 2000/- as transportation charges from the hardware shop to the plant site.
  
 
|-
 
|-
Line 293: Line 303:
 
Good news
 
Good news
 
Government of India provides subsidies to build a Biogas plant
 
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.
+
| style="border:1pt solid #000000;padding:0.176cm;"|  
−
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'''
  
 
|-
 
|-
Line 309: Line 320:
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
| style="border:1pt solid #000000;padding:0.176cm;"| <center>[[Image:]]</center>
 
<center>(Graphics) Insert the image of biogas plant attached with toilet. </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;"| An extra subsidy of Rs1,200/- is given if toilet is attached to the '''Biogas plant'''.
  
 
|-
 
|-
Line 315: Line 326:
 
[[Image:]]
 
[[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.
+
| 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.
+
 
 +
 
 +
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;"|  
−
| 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;"| I will now fill in the details as required in the form.
  
 
|-
 
|-
Line 328: Line 341:
 
|-
 
|-
 
| style="border:1pt solid #000000;padding:0.176cm;"| [[Image:]]
 
| 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;"| The filled '''subsidy form''' will look like this.
  
 
|-
 
|-
Line 334: Line 347:
 
<center>[[Image:]][[Image:]]</center>
 
<center>[[Image:]][[Image:]]</center>
 
<center>[[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.
+
| style="border:1pt solid #000000;padding:0.176cm;"| Pls note that '''subsidy''' will be granted only after  
−
* Technical feasibility certificate of the biogas plant.
+
* Sufficient proof for the '''Biogas plant''' is given.
−
* Photo of the applicant with the biogas plant.
+
* 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.
 
| style="border:1pt solid #000000;padding:0.176cm;"| Farmers having discussion about the financial aid for building biogas plant.
 
[[Image:]]
 
[[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;"| Apart from banks, farmer groups also help financially for building a '''Biogas plant'''.  
  
 
|-
 
|-
Line 354: Line 368:
 
'''Summary'''
 
'''Summary'''
 
In this tutorial we learnt about :
 
In this tutorial we learnt about :
−
* 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 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'''
 
* Pre-requisites required to avail the loan
 
* Pre-requisites required to avail the loan
 
| style="border:1pt solid #000000;padding:0.176cm;"| Let us summarize:
 
| style="border:1pt solid #000000;padding:0.176cm;"| Let us summarize:
 
In this tutorial we learnt about :
 
In this tutorial we learnt about :
−
* 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 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'''
 
* Pre-requisites required to avail the loan
 
* Pre-requisites required to avail the loan
  
Line 371: Line 385:
 
* Cost factors for building the plant
 
* Cost factors for building the plant
 
* Approximate break-up of the budget
 
* 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   
+
| 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;"|  
−
* Cost factors for building the plant
+
* List of documents to be attached with loan application form   
 +
* Cost factors for building the '''plant'''
 
* Approximate break-up of the budget
 
* Approximate break-up of the budget
  
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More information on these projects can be found at these links
 
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| style="border:0.75pt solid #000000;padding:0.071cm;"| This video was created by Spoken  
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| 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.
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Tutorial Project with inputs from  
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Rural-ICT team, IIT Bombay.
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More information on these projects can be found at these links-
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More information on these projects can be found at these links
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Revision as of 20:27, 6 May 2016

Visual Cue
Narration
Slide#1

Cover Slide

Hello Friends.

Welcome to the Spoken Tutorial on “Finance options for Biogas plant”

Earlier, we learnt about Biogas and the benefits of having a Biogas plant.
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
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
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
* 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
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.

Before we begin, it should be known that-
  • we can either self-finance or avail bank loan to build the Biogas plant.
Slide#5

Finance options for Biogas Budget for building a Biogas plant.

One should be also aware about the budget for building a Biogas plant.
[[Image:]] The approx. cost for building the Biogas plant is from Rs 20,000 to Rs 23,000/-
Insert image of KVIC office[[Image:]] 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
  • Each KVIC has a Rural Energy Technical department.
[[Image:]]
  • Meet the Rural Energy Technician i.e. RET in the mentioned department.
[[Image:]]
  • Request the RET to make a visit to the proposed Biogas plant site.
[[Image:]] Next, the RET will visit and inspect the prerequisite(s) required to avail the loan.
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
List of pre-requisite(s) to avail loan is as follows:
[[Image:]]
  • 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.
[[Image:]]

[[Image:]] [[Image:]]

  • 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.
[[Image:]]
  • 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.
  • Lastly, the RET will check-
  • the Bank account/loan account of the applicant.
[[Image:]] If all the prerequisites are met, then the RET issues a technical feasibility certificate.
[[Image:]]
[[Image:]]
 Once the technical feasibility certificate is issued, visit the nearest bank to avail loan.
[[Image:]]

[[Image:]] [[Image:]]

You may visit banks such as
  • Private banks like -
  1. IDBI bank,
  2. Canara bank,
  3. Union Bank of India
[[Image:]][[Image:]]

[[Image:]][[Image:]] [[Image:]]

* Co-operative banks like -
  1. Saraswat bank,
  2. Dombivli Nagari Sahakari bank,
  3. South Canara District Central Cooperative bank (known as SCDCC),
  4. Gramin bank of different states,
  5. Development Credit bank (Known as DCB) etc.
Slide# 7

Finance options for Biogas What is the amount of loan one can get from the bank?

So, what is the amount of loan one can get from the bank?
[[Image:]] You will be surprised to know that you can avail 100% of loan from a bank.
Slide 8

Finance options for Biogas The following will vary from bank to bank----

  • Loan amount
  • Sanction period
  • Interest of loan
  • Loan repayment
However, it is to be noted that the following will vary from bank to bank.
  • Loan amount,
  • Sanction period
  • Interest of loan
  • Loan repayment
[[Image:]]

[[Image:]]

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.

[[Image:]][[Image:]]

[[Image:]]

As shown- the following details have to be filled in the application form-
  1. Purpose of applying for the loan
  2. Name and Address of the applicant
  3. Resident of the respective village since year _____
  4. Nature of activity
  5. Age and Gender
  6. Category-SC/ST/OBC

And other such details.

(Graphics)

Image showing the same informally dressed man holding the pen and scribbling on the Loan application form

I will now fill in the details as required in the form.
<< Pause Recording>> << Pause Recording>>
Image of the filled form The filled form would look like this.
Slide 9

Finance options for Biogas List of documents to be attached with loan application form:

Along with the loan application form, the other documents to be attached are -
[[Image:]] Technical feasibility certificate
[[Image:]] Document of landholding
[[Image:]] Photocopy of Ration card
[[Image:]] Proof of annual income
Slide 10

Finance options for Biogas After filling the form, submit it to the bank officer for scrutiny.

After filling the form, we have to submit it to the bank officer for scrutiny.
[[Image:]]
 We will receive the Branch Manager/Inspecting Officer’s Reference and Loan Approval.
Slide 11

Finance options for Biogas Cost factors for building the plant?

Let's now talk about the cost factors for building the plant.
[[Image:]][[Image:]]
[[Image:]][[Image:]]

[[Image:]] [[Image:]][[Image:]]

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.
[[Image:]] The raw material and transportation cost along with mason charges may vary from region to region.
Slide 12

Finance options for Biogas Approximate break-up of budget

The approximate break-up of budget is as follows:
[[Image:]][[Image:]]

[[Image:]]

Rs. 4,000
 Approx. Rs.4,000/- for the mason and his labourers.
[[Image:]]
Rs. 1,300
 Approx. Rs.1,300/- for the Biogas burner stove.
[[Image:]][[Image:]]
[[Image:]][[Image:]][[Image:]][[Image:]]
 Approx. Rs. 15,000/- for the raw material.
[[Image:]]
[[Image:]]
 Approx. Rs. 2000/- as transportation charges from the hardware shop to the plant site.
Slide 13

Finance options for Biogas Good news 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
[[Image:]]
[[Image:]]N
N
nn
 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.
[[Image:]]
(Graphics) Insert the image of biogas plant attached with toilet.
An extra subsidy of Rs1,200/- is given if toilet is attached to the Biogas plant.
[[Image:]]

[[Image:]] [[Image:]]

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.

I will now fill in the details as required in the form.
<< Pause Recording>> << Pause Recording>>
[[Image:]] The filled subsidy form will look like this.
[[Image:]]
[[Image:]][[Image:]]
[[Image:]]
 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.
Farmers having discussion about the financial aid for building biogas plant.

[[Image:]]

Apart from banks, farmer groups also help financially for building a Biogas plant.
Slide 14

Link for offices located in different states of the India- http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/

Refer the given link for offices located in different states of the country- http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/
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
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
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
  • List of documents to be attached with loan application form
  • Cost factors for building the plant
  • Approximate break-up of the budget
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

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

Pictures and technology support:

Courtesy: Bhagirath Rural Development Foundation Village- Zarap, Taluka- Kudal, Dist.- Sindhudurg

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

Contributors and Content Editors

Bellatony911, Nancyvarkey

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