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

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In this tutorial we will learn
 
In this tutorial we will learn
  
−
1. 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'''
  
−
2. Fact that-
+
#Pre-requisites required to avail the''' loan'''
−
 
+
−
* one can either self-finance or avail''' bank''' '''loan''' to build the '''Biogas plant'''
+
−
 
+
−
3. Pre-requisites required to avail the''' loan'''
+
  
  
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−
* 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-
−
2. 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'''
+
−
 
+
−
3. Pre-requisites required to avail the''' loan'''
+
−
 
+
  
 
|-
 
|-
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| style="border:1pt solid #000000;padding:0.176cm;"|  
 
| style="border:1pt solid #000000;padding:0.176cm;"|  
−
 
−
We will also learn
 
  
 
4. List of documents to be attached with '''loan '''application form  
 
4. List of documents to be attached with '''loan '''application form  
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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: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'''.
+
  
 
|-
 
|-
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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'''.
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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;"| * 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.
  
 
|-
 
|-
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−
| 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.'''
+
  
 
|-
 
|-
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| style="border:1pt solid #000000;padding:0.176cm;"|  
 
| style="border:1pt solid #000000;padding:0.176cm;"|  
  
−
3. Approx. quantity of Solid waste-
+
3. Approx. quantity of solid waste-
  
 
either in the form of cow dung and /or the Bio-degradable waste.
 
either in the form of cow dung and /or the Bio-degradable waste.
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is directly proportional to the size of 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 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.'''
−
 
+
  
 
|-
 
|-
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4. The '''RET '''will also check the number and age of cattle.
 
4. 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.'''
 
* This check is to ensure supply of 25 kgs of dung to the '''Biogas plant.'''
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5. Lastly, the '''RET''' will check-
 
5. Lastly, the '''RET''' will check-
  
−
the '''Bank''' account/''' loan '''account of the applicant.
+
*the '''Bank''' account'''
 +
*Or ''' loan '''account  
 +
 
 +
of the applicant.
  
 
|-
 
|-
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<center>[[Image:]]</center>
 
<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'''.
 
* Visit the nearest''' bank''' to avail '''loan'''.
−
 
  
 
|-
 
|-
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# Canara '''bank''',
 
# Canara '''bank''',
 
# Union '''bank '''of India
 
# Union '''bank '''of India
−
 
  
 
|-
 
|-
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# '''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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What is the amount of loan one can get from the bank?
 
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;"| So, what is the amount of '''loan''' one can get from the '''Bank'''?
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The following will vary from '''bank '''to '''bank'''<nowiki>----</nowiki>
 
The following will vary from '''bank '''to '''bank'''<nowiki>----</nowiki>
−
 
  
 
* '''loan '''amount
 
* '''loan '''amount
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| style="border:1pt solid #000000;padding:0.176cm;"| However, it is to be noted that the following will vary from '''bank '''to '''bank'''.
 
| 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
 
* '''loan '''amount

Latest revision as of 19:02, 27 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

  1. How to apply for a loan to get a Biogas plant built.
  2. Fact that-
    • one can either self-finance or avail bank loan to build the Biogas plant
  1. Pre-requisites required to avail the loan


In this tutorial we will learn:


  1. 1. How to apply for a loan to get a Biogas plant built.
  2. Fact that-
    • one can either self-finance or avail bank loan to build the Biogas plant
  3. Pre-requisites required to avail the loan
Slide#3

Learning objective

We will also learn

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by government of India to build a Biogas plant


4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by government of India to build a Biogas plant

Slide#4

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 Commission 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:]]

1. Availability of land-

For eg: 12ft x 16ft land is required for building 12ft x 8ft of Biogas plant.

2. Adequate supply of water for daily feeding of the Biogas plant.

[[Image:]]


[[Image:]]


[[Image:]]


3. Approx. quantity of solid waste-

either in the form of cow dung and /or the Bio-degradable waste.

  • Please 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:]]


4. 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 a 2 cubic meter Biogas plant
  • This check is to ensure supply of 25 kgs of dung to the Biogas plant.

5. Lastly, the RET will check-

  • the Bank account
  • Or 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

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 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


List of documents to be attached with loan application form:

Along with the loan application form, the other documents to be attached are -
[[Image:]]

1. Technical feasibility certificate


[[Image:]]

2. Document of landholding


[[Image:]]

3. Photocopy of Ration card


[[Image:]]


4. Proof of annual income


Slide 10


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

Cost factors for building the plant?

Lets 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


Approximate break-up of budget

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

[[Image:]]


Rs. 4,000

1. Approx. Rs.4,000/- for the mason and his labourers


[[Image:]]
Rs. 1,300

2. Approx. Rs.1,300/- for the Biogas burner stove


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


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

3. Approx. Rs. 15,000/- for the raw material.


[[Image:]]


[[Image:]]

4. Approx. Rs. 2000/-

  • as transportation charges from the hardware shop to the plant site.


Slide 13

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:]]
 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) Image of Biogas plant attached with toilet.
An extra subsidy of Rs 1,200/-


  • 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:]]


 Please note, that subsidy will be granted-
  • only after sufficient proof for the Biogas plant is given such as-


1. Technical feasibility certificate of the Biogas plant.

2. Photo of the applicant with the Biogas plant.


[[Image:]]


Farmers having discussion about the financial aid for building Biogas plant.

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/

Link for offices located in different states of the India-

http://www.mnre.gov.in/schemes/decentralized-systems/schems-2/

Slide 15

Summary:

In this tutorial we learnt about :

1. How to apply for a loan to get a Biogas plant built.

2. Fact that-

  • one can either self-finance or avail bank loan to build the Biogas plant

3. Pre-requisites required to avail the loan

Let us summarize:

In this tutorial we have learnt:

1. How to apply for a loan to get a Biogas plant built.

  • Fact that-

2. one can either self-finance or avail bank loan to build the Biogas plant

3. Pre-requisites required to avail the loan


Slide

Summary

And we also learnt about-

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by Government of India to build a Biogas plant


Summary

And we also learnt about-

4. List of documents to be attached with loan application form

5. Cost factors for building the plant

6. Approximate break-up of the budget

7. Subsidies provided by Government of India to build a Biogas plant

Slide 16

Acknowledgements

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.

More information on these projects can be found at these links

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

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

More information on these projects can be found at these links.

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

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

Pictures and technology support:

Courtesy:

Bhagirath Rural Development Foundation

Village- Zarap, Taluka- Kudal,

Dist.- Sindhudurg

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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