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CSD Car Buying Process, Eligibility, Document Norms in 2021 India

CSD Car Buying Process, Eligibility, Document Norms in 2021 India

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


CSD Canteen Car Buying Process - 2021

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 with 50% Rebate on GST

 

 

Eligible Profiles for CSD

Whether - you from :-

  • Indian Army
  • Navy
  • Air Force
  • Defence Sector on payrolls of Government of India are eligible to buy cars through CSD.
  • Widows of Defence Officers, Parent of Deceased Officer who lost lives while serving the nation can also buy Car.

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.

  

CSD Eligibility Norms for Buying Cars in 2021

CSD Canteen has specified a chart - which defines Car Eligibility basis

  • Pay Scale of Defence Personnel
  • Price

and revised in Eligibility Criteria

CSD Pay Scale Maximum Car Price Minimum Service Criteria  Gap
Below Junior Commissioned Officer (Pay Level 3A to 6) Rs 6 Lakh (without GST) First Car only after 5 years of Service Once in Job, Once in Retirement, but gap should be of 8 Years
Junior Commissioned Officer (Pay Level 7 to 9) Rs 7 Lakh (without GST) First Car only after 5 years of Service  Second Car on Promotion as JCO and 3rd Car in Retirement, , but gap should be of 8 Years
Officer Grade and above: Pay Level 10 - 18 Rs 15 Lakh (without GST) Can Buy Car at any time 8 Yrs Gap before buying Second Car
Serving Defence Civilian Officer : Pay Level 11 - 18 Rs 15 Lakh (without GST) Can Buy Car at any time 8 years gap between 1st and 2nd car

 

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

  • Jawan can buy Cars with 1.5 Litre Petrol Cars having Exshowroom Price of Rs 8.7 Lakh and smaller 1.2 Litre Engine Cars having Ex-showroom Price of Rs 7.7 Lakh
  • JCO will be eligible for Cars with 1.5 Litre Petrol Cars having Exshowroom Price of Rs 10 Lakh and smaller 1.2 Litre Engine Cars having Ex-showroom Price of Rs 9 Lakh
  • SUV or Sedan Cars with Ex-showroom Price of Rs 21.75 Lakh would be what available for Officer Grade

 

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 Payment:

Effective 1st February 2021 payment system is what Centralized PAN India where CSD Payments needs to be sent to 

  • CSD Head Office Main Account AFD1 Receipts Only
  • PNB Fort Branch, Mumbai

 

CSD Car Buying Process in 2021 - Updated

New Cars

Check Prices with Complete Features

Make
Model

 

Step 1 - User Registration on CSD Site

Starting 2021 January, Defence Ministry introduced a new portal for CSD where documents needs to be uploaded to i.e website https://afd.csdindia.gov.in/

How to Create User Account - Visit Site, Click Shop Now and then Register to create an account by submitting

  • Aadhaar for KYC
  • Grocery Card
  • PPO

Sign up application will be approved by CSD Admin End in few days.

 

Step 2 - Contacting Dealer Showroom 

» 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).

Please ensure to cross-validate the price as said by Dealer on CSD Website

 

 

Step 3 - Payment Process

In meanwhile your user account details will be approved in CSD Site and a confirmation would be received on your mail. Now you can arrange for Funds

  • 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
  • Effective 1st February 2021 - RTGS to be done in favor of CSD Head Office Main Account AFD1 Receipts Only in Punjab Natiional Bank in PNB Fort Branch, Mumbai. Pls ask for Account Number from local dealer

 

Step 4 - Uploading Documents in CSD Site

Then Online Applicantion Form with relevant documents (as listed in Tabular Format) should be uploaded in Soft Copy Format on CSD Website

  • Proof of Payment as made to CSD Head Office Main Account AFD1 Receipts in Punjab National Bank.
  • Pan card and Aadhar card (ID and Address Proof)
  • Job ID Proof, Pay Slip (If Working) / Exservicemen ID Proof (if retired) / Job ID Proof (if deceased and applied by family members)
  • Dealer Car Proforma Price with Make, Model Variant, Color Details
  • Availability Certificate from Dealer 

Then after uploading these documents Generate Challan and Save Same to take a Print Out which is needed for submission to CSD Canteen

 

 

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

» There is no separate Priority List or Sanction needed. All Customers meeting in CSD Eligibility requirement criteria are well considered approved for taking benefit through purchase of Car through CSD

 

CSD HelpDesk

If someone faces an issue while doing registration can contacr on Helpdesk - 0120-4699923 

Also, a Whatsapp helpline number created for any CSD related query where can send message on 9321601308 for any issue related to Product Price or availability,

Also is Helpdesk Email Id - This email address is being protected from spambots. You need JavaScript enabled to view it. created where any issue related to CSD  can be emailed in

 

Step 5 - Submit Documents in CSD Canteen for Purchase Order Issuance

You do not need to visit Depot for buying Car, but can submit below documents to CSD Canteen

  • Generated CSD Challan
  • Pan card and Aadhar card (ID and Address Proof)
  • Job ID Proof, Pay Slip (If Working) / Exservicemen ID Proof (if retired) / Job ID Proof (if deceased and applied by family members)
  • Canteen Grocery Card
  • Copy of Driving Licence (Driving License is Relaxed for Senior Citizens as per Guidelines issued in June 2015)
  • 6 month Bank Statement and 3 months Salary Slips (if working) / PPO (Pension Pay Order) for Retired Officer / Pension Copy of Deceased Family Member
  • Service Certificate (Working)
  • Discharge Book or PPO (for Ex-Servicemen)
  • Relationship Proof in Original and PhotoCopy (Only in Deceased Cases)
  • Dealer Car Proforma Price with Make, Model Variant, Color Details
  • Availability Certificate from Dealer 

 


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


 

Step 6 - Purchase Order Issuance

  • The Purchase Order (including Sale Letter, Supply Order Number and Authority Letter) is then issued after scrutiny of documents either on same day or in next 2 to 3 days - 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

Important: In case the car is on waiting, a minimum booking amount can be done as decided by the manufacturer.. However - 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 286

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 - HAPPY on Friday, 21 June 2019 02:36

Hi sir...
My father(shaheed) was expired in 1995 srinagar in fighting with terrorist.he was in naik rank..so i want to know that is my mother eligible to buy tata storm.lx under csd rules..looking for ur reply.

Hi sir... My father(shaheed) was expired in 1995 srinagar in fighting with terrorist.he was in naik rank..so i want to know that is my mother eligible to buy tata storm.lx under csd rules..looking for ur reply.
Guest - KARAN on Saturday, 10 August 2019 15:10

No He is No Elegible for TATA Storm He Can Only Take Under 1400 CC cars and Price Under 6 Lakh in CSD only

No He is No Elegible for TATA Storm He Can Only Take Under 1400 CC cars and Price Under 6 Lakh in CSD only
Guest - Pardeep deval on Friday, 21 June 2019 10:46

Yes she is eligible for new car .

Yes she is eligible for new car .
Guest - Ramakant sharma on Monday, 20 May 2019 19:37

Sir I am serving at ordnance factory a unit of ministry of defence.current pay scale 40400(2800 grade pay in 6th cpc).
Can I purchase car from csd.plz reply

Sir I am serving at ordnance factory a unit of ministry of defence.current pay scale 40400(2800 grade pay in 6th cpc). Can I purchase car from csd.plz reply
Guest - Raghuveer Singh on Tuesday, 14 May 2019 20:30

Maine Date : 11-01-1978 se 24-05-1985 tak Sena me service ki hai. Mai (Non-pensioner) hu. Kya mai csd canteen se car khareed sakta hu?

Maine Date : 11-01-1978 se 24-05-1985 tak Sena me service ki hai. Mai (Non-pensioner) hu. Kya mai csd canteen se car khareed sakta hu?
Guest - karan on Saturday, 10 August 2019 15:18

RANK kya hai Apki

RANK kya hai Apki
Guest - Jagdish samant on Wednesday, 24 April 2019 16:40

Sir I am ex serviceman can I purchas a car on full payment

Sir I am ex serviceman can I purchas a car on full payment
Guest - navjeet on Thursday, 18 April 2019 15:20

My father was retired from indian army. After my father's death, my mother is getting pension. Now i am married. Being daughter am i eligible for buy car form csd?

My father was retired from indian army. After my father's death, my mother is getting pension. Now i am married. Being daughter am i eligible for buy car form csd?
Guest - Capt Rishi on Saturday, 22 June 2019 16:05

Unfortunately no.

Unfortunately no.
Guest - Anil KUmar Sehgal on Monday, 08 April 2019 10:43

I am service in Min of Defence as civilian employee since 1999. Can I purchase bike through CSD

I am service in Min of Defence as civilian employee since 1999. Can I purchase bike through CSD
Guest - PARDEEP on Monday, 01 April 2019 19:54

Can ex serviceman purchase 2 nd car . Retired in 2009

Can ex serviceman purchase 2 nd car . Retired in 2009
Guest - Barinder Singh on Monday, 01 April 2019 15:45

sir
my father is retired from MES AE Civil Pay band 6600
is he entitled for buying car from CSD

sir my father is retired from MES AE Civil Pay band 6600 is he entitled for buying car from CSD
Guest - Devindra Singh on Tuesday, 26 March 2019 08:02

Good morning sir
I have completed 7 yrs 6 month of my service. Can I purchase a car through CSD. Please answer me accordingly.

Good morning sir I have completed 7 yrs 6 month of my service. Can I purchase a car through CSD. Please answer me accordingly.
Guest - satish on Thursday, 28 March 2019 11:34

Yes you are eligible for Less than 1.8 Ltr Engine Car if you are a PBOR and less than 3.0 Ltr Engine car in case you are an officer.

Yes you are eligible for Less than 1.8 Ltr Engine Car if you are a PBOR and less than 3.0 Ltr Engine car in case you are an officer.
Guest
Wednesday, 22 September 2021

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