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CSD Car Buying Process, Eligibility, Documentation in 2019 India

CSD Car Buying Process, Eligibility, Documentation in 2019 India

Car Purchase Process through CSD Canteen with Eligibility, Documents for Commissioned Officers, JCO, PBOR, Exservicemen in Indian Army, Navy, IAF Force


CSD Canteen

Its estimated that there are close to 5000 CSD (Canteen Stores in India) with estimated annual turnover (sales) in excess of 12000 crore.. With over 3000 products available at concessional price - Car Probably is the most expensive Product which can be bought through CSD Canteen

Unlike - other consumer goods and items - which are available over the counter. Cars are bought through Authorized Car Dealerships only - but process and payments are routed through CSD Car Cell Unit and pricing is calculated at virtually negligible tax rates - as against State VAT

 

Eligible Profiles for CSD

Whether - you from :-

» Indian Army

» Navy

» Air Force

» BSF Force

All those - who are in Defence Sector on payrolls of Government of India are eligible to buy cars through CSD. All Commissioner Officer, Ex-Servicemen from Defence Personnel can buy car irrespective of Ranks through CSD. Even - can also get finance from Private Banks or Nationalized Banks as per sole discretion.

 

Car Model Eligible

CSD Canteen has specified a chart - which defines Car Eligibility basis Car Engine Size, Price, Experience in (basis updated rules specified in June 2019)

» CSD Personnel can buy car once in Job and once in Retirement (upto Level 9). While Level 10 and up can buy car once in 8 years of Gap Difference

» Limit specified basis Car Cubic Engine Capacity and Car Price - basis CSD Pay Scale. Important to note that Car Price eligibility is exclusive of GST

» CSD has clearly specified that no exceptions on same for all cars bought from June 2019 and onwards. Thus no Fortuner, no Endeavour now in CSD

CSD Canteen has specified a chart - which defines Car Eligibility basis Car Engine Size Cubic Capacity

CSD Pay Scale Maximum Car Price Car Engine cc (max) Buy  Gap
Below Level 10 Rs 5 Lakh (without GST) 1400 cc Once in Job, Once in Retirement. First Car only after 6 years of Service 8 Yrs in Job & Retirement
Level 10 & up Rs 12 Lakh (without GST) 2500 cc Once in 8 Years 8 Yrs in Job & Retirement

Do note that above Car Price Eligibility is without GST, technically 

» Hatchback Cars and Compact Sedan Cars (with upto Rs 6.5 Lakh as Civil Price) are eligible for below level 10

» SUV Cars (upto 16 Lakh as Civic Price) are eligible (as these SUV Cars have highest GST) for Level 10 and above

 

Priority List for Sanction

Priority is Computed basis Experience / time spent in Defence Services 

Experience Priority List as given by Car Cell
> 10 Years Top Most Priority given in Sanction
5yr - 10 yr Relative Less Priority
< 5 Yrs Ineligible as minimum 5 yr Experience required

Note: Widows of Defence Officers, Parent of Deceased Officer who lost lives while serving the nation can also buy Car.

Below is Hierarchy which is led by Field Marshall :-

Officer: General, Lt. General, Major General, Brigadier, Colonel, Lt Colonel, Major, Captain, Lieutenant

JCO / PBOR (Personnel Below Officer Rank) : Subedar Major, Subedar, Naib Subedar

 

CSD Car Buying Process in 2019

Pre Sanction Process

New Cars

Check Prices with Complete Features

Make
Model

 

» You have to visit a local Dealer first and finalize for the car looking to buy. Its important to note that all models may not be listed and even if car model is approved,, it may likely be possible that some of its variants are not available through CSD. So - Best to contact a dealership who is registered with CSD Depot (list may be available with Local CSD Depot or Contact Local Dealer for checking on same)

» Once Model and Variant Finalized - ask Dealer to give a Proforma basis CSD Canteen Price List with breakup of Price, Road Tax, Insurance Premium having Model, Sub Model, Color including Tentative Delivery Status basis Stock. Do ensure that Unique Index Number as what allotted in CSD is mentioned with Model Variant Name, Color in the Proforma Invoice and even the final Invoice too

» Also take - Availability Certificate that the car will be delivered in how many days post booking (without which CSD will not approve application).

Download Application Form for Purchase of Car through CSD Canteen

» Filled Applicant Form with relevant documents (as listed in Tabular Format) should be signed either by Commanding Officer (if working) or sent to Soldier board or Zila Sanik Board (as the case may be)

On Job Retired Family (Widow / Parents)
Application Form - 1 copy Application Form - 1 copy Application Form - 1 copy
Job ID Proof, Pay Slip Exservicemen ID Proof Job ID Proof Copy of Deceased
PAN Card  PAN Card  PAN Card & Driving License **
Dealer Car Proforma Price with Make, Model Variant, Color Details Dealer Car Proforma with Make, Model Variant, Color Details Dealer Car Proforma with Make, Model Variant, Color Details
Copy of Aadhaar Availability Certificate of Car from Dealer (if vehicle booked) Availability Certificate of Car from Dealer (if vehicle booked)
Address Proof PPO (Pension Pay Order)  - Original and PhotoCopy - for Retired Officer Relationship Proof in Original and PhotoCopy with Deceased
Copy of Driving License Copy of Driving License Address Proof of Immediate Blood Relative
Availability Certificate from Dealer (if vehicle booked) Copy of Aadhaar Copy of Aadhaar of Immediate Blood Relative
  Discharge Book (Only for PBOR showing Total Service) / Release Order in case of SSC / EC Officer with 5 year of Experience) Pension Copy of Deceased Family Member

** - Driving License is Relaxed for Retired PBOR and Senior Citizens as per Guidelines issued in June 2015

» The request and basis Priority and Eligibility - may be approved or hold or rejected. Its important to note that Sanction is given basis Priority List and complete filled Application Form, Documents Submission. Note - Sanction is generally Valid for 90 Days from the date of Sanction

 

Important Points while Filling and Submitting Application Form for CSD

» Pan Card Number and Grocery Number to be Mandatory Filled

» If Previous Car Purchased through CSD then date of Purchase, else if no previous car purchased then specify that no Previous Car Purchased. Do not Leave Column Blank

» Complete Address, Service Number, Date of Enrolment and for Ex-servicement Date of Discharge - all details to be completely filled

» Application to be duly Signed by Commanding Officer / Zila Sainik Board / Station HQ as applicable (as is Competent Authority - referred in Application Form)

Note: One copy of the application form duly completed will be forwarded to the Canteen Services Directorate, whereas the duplicate copy will be required to be produced to Canteen Services Depot (CSD) at the time of final preparation of documents for delivery of the car. 


Do Not Miss to Read on  :- CSD Car Prices in India (Next Article)


Post Sanction Process

» If Sanction Approved - Congratulations!! now its much easier. Just ensure to keep original sanction letter at safe place

» Its time to Arrange Funds - If Ready Funds Available, its well and fine. Else apply for Car Loan with any Private Bank or PSU Bank

» Car Loan Application to Loan Disbursement takes a short time in between 1 to 2 weeks. So - apply for loan only Post Sanction received. Do note that - In Certain Car Loan Cases - Banks also issue a consolidated Draft equivalent to value of Car - if Margin Money Deposited with them. Checkout with your Bank - If Facility Available. Ensure to keep a original copy of Bank Sanction / Disbursement Letter for Verification in CSD 

» DD to be made in favor of "Canteen Stores Department, Public Fund Account (Main)", Applicant can go to concerned CSD depot and fill in the Requisition Form for issuance of Purchase Order at the CSD Depot along with below documents :-

On Job Retired Family (Widow / Parents)
Requisition Request Form Requisition Request Form Requisition Request Form
Sanction Letter  Sanction Letter Sanction Letter
Application Form Duplicate Copy Application Form Duplicate Copy Application Form Duplicate Copy
Last 3 month Pay Slip Last 3 month Pension Payment Advice Last 3 month Pension Payment Advice
ID Card Ex-servicemen ID Card ID Proof (having relation Proof documented)
UID Aadhaar Card PPO / Discharge Book / Release Order PPO / Discharge Book / Release Order
Demand Draft* Demand Draft* Demand Draft*
PAN Card & Driving License UID Aadhaar, Pan Card & Driving License UID Aadhaar, Pan Card & Driving License
Dealer Availability Certificate Dealer Availability Certificate Dealer Availability Certificate

* - Equivalent to Exshowroom Price. Demand Draft to be made in favor of "Canteen Stores Department,Public Fund Account (Main)"

» The Purchase Order (including Sale Letter, Supply Order Number and Authority Letter) is then issued after scrutiny of documents the same day itself - you can take this Purchase Order along with you for taking Delivery.

» Applicable Road Tax and Insurance Premium Payment has to be separately made by the Applicant at Dealer Premise or at RTO and Insurance Company on it own. Any additional accessories if bought will have to be paid separately by applicant to dealer directly

Note : Sanction Letter is valid for 90 Days from date of issuance - during which the Requisition for Purchase can be done. 

Important: In case the car is on waiting, a minimum booking amount can be done as decided by the manufacturer.. However - rest complete payment can only be made with CSD once dealer confirms that vehicle is in stock with availability certificate on letter head

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Important: If you seek advise or recommendation, pls raise query in Car Forum instead of posting in comments

 

Comments 180

Guest - GOPINATH on Monday, 02 September 2019 18:41

Want to know car purchasing procedures for defence civilians.

Want to know car purchasing procedures for defence civilians.
Guest - DEBKUMAR GHOSH on Wednesday, 21 August 2019 15:28

My Father is a Retired Army Personnel. His Rank was Sepoy and posted in Corps of Signal. He fought 1971 WAR with Pakistan. He is currently 69 years old. Is he eligible to buy a car in CSD ? Please share details.

My Father is a Retired Army Personnel. His Rank was Sepoy and posted in Corps of Signal. He fought 1971 WAR with Pakistan. He is currently 69 years old. Is he eligible to buy a car in CSD ? Please share details.
Guest - DEEPAK on Monday, 19 August 2019 11:04

Sir I m civilian employee of IAF .LEVEL 2 Can I purchase car from CSD ?

Sir I m civilian employee of IAF .LEVEL 2 Can I purchase car from CSD ?
Guest - SB Nayak on Saturday, 17 August 2019 21:35

Sir,
I am a Sgt (MACP).

Sir, I am a Sgt (MACP).
Guest - SB Nayak on Saturday, 17 August 2019 21:32

Sir,
I had purchased one Maruti OMNI E through CSD in Sep 2013. Can I purchase one Maruti ERTIGA hybrid new moddel through CSD now. If possible please give me the solution.

Sir, I had purchased one Maruti OMNI E through CSD in Sep 2013. Can I purchase one Maruti ERTIGA hybrid new moddel through CSD now. If possible please give me the solution.
Guest - Balwinder on Thursday, 15 August 2019 23:13

My father is ex-servicemen JCO rank can he buy
Hyundai elitee i20 sports plus model from csd

My father is ex-servicemen JCO rank can he buy Hyundai elitee i20 sports plus model from csd
Guest - Anand on Wednesday, 14 August 2019 11:39

Dear all
Any enquiries about buy car from csd
please call on below no for more information
8920039037

Dear all Any enquiries about buy car from csd please call on below no for more information 8920039037
Guest - Akhil on Sunday, 11 August 2019 19:03

My father is in naik rank. Can he buy any of the new amaze model?

My father is in naik rank. Can he buy any of the new amaze model?
Guest - Pravern on Thursday, 01 August 2019 22:28

Hi I want to purchase a four wheeler and Iam level 13 scale. Iam planing to put a driver for the vehicle. Do I need compulsorily driving liecense for buying car through csd. Thanks in advance

Hi I want to purchase a four wheeler and Iam level 13 scale. Iam planing to put a driver for the vehicle. Do I need compulsorily driving liecense for buying car through csd. Thanks in advance
Guest - KARAN on Saturday, 10 August 2019 15:11

yes you can take the car

yes you can take the car
Guest - Papu on Friday, 26 July 2019 17:05

Sir I have completed 5 year 7 month service in army,am I eligible for buy a car.

Sir I have completed 5 year 7 month service in army,am I eligible for buy a car.
Guest - KARAN on Saturday, 10 August 2019 15:12

What is your Rank if you are officer rank then you r elegible if u r non commined officer then you are not eligible for Car from CSD

What is your Rank if you are officer rank then you r elegible if u r non commined officer then you are not eligible for Car from CSD
Guest - Kapil Bhardwaj on Friday, 05 July 2019 13:11

Amount to be deposited in bank for car purchase includes which heads, Like Insurance, registration etc

Amount to be deposited in bank for car purchase includes which heads, Like Insurance, registration etc
Guest - karan on Saturday, 10 August 2019 15:15

only Ex CSD price is to be submited in CSD insurace and registration amount is to be paid to the dealer

only Ex CSD price is to be submited in CSD insurace and registration amount is to be paid to the dealer
Guest - Balaji on Tuesday, 02 July 2019 14:46

Hi Sir,

My father was Naik belongs to Non Commissoned officer category.I have few queries,they are

1.Does he belongs to below Level 10 (or) above?
2.How much amount we will be benefited,If we purchase through CSD?
3.We belongs to tamil nadu,Is it possible to take in Karnataka?

Hi Sir, My father was Naik belongs to Non Commissoned officer category.I have few queries,they are 1.Does he belongs to below Level 10 (or) above? 2.How much amount we will be benefited,If we purchase through CSD? 3.We belongs to tamil nadu,Is it possible to take in Karnataka?
Guest - karan on Saturday, 10 August 2019 15:14

he is under level 10 6 lakh and below

Karan

he is under level 10 6 lakh and below Karan
Guest - Rahul on Tuesday, 13 August 2019 19:56

Hi rahul here i have purchased car i completed 4 yr in march can i purchase another car i have maj rank

Hi rahul here i have purchased car i completed 4 yr in march can i purchase another car i have maj rank
Guest - Anup on Sunday, 30 June 2019 17:13

Sir
Below 10 level pay car price should be less than 6.5 lakh Or 5 lakh without gst.

Sir Below 10 level pay car price should be less than 6.5 lakh Or 5 lakh without gst.
Guest - Patel ashwinkumar on Monday, 24 June 2019 10:50

Sir
Good morning
Meri service 14 Year hai. Muje swift dzire vxi Leni hi jiski csd rate (DD rate) 5 61 168 rupees hai.new policy (jun 2019 )ke hisab se Me yah car lesakta hu please riply

Sir Good morning Meri service 14 Year hai. Muje swift dzire vxi Leni hi jiski csd rate (DD rate) 5 61 168 rupees hai.new policy (jun 2019 )ke hisab se Me yah car lesakta hu please riply
Guest - karan on Saturday, 10 August 2019 15:16

le sakte hai

le sakte hai
Guest
Wednesday, 18 September 2019

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