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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 287

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 - Suresh on Friday, 01 March 2019 19:14

मेरी सर्विस 7 वर्ष 11 महीने हो गए है क्या मै कार खरीद सकता हूं क्या/

मेरी सर्विस 7 वर्ष 11 महीने हो गए है क्या मै कार खरीद सकता हूं क्या/
Guest - KARAN on Saturday, 10 August 2019 15:30

yes you can take car from CSD

yes you can take car from CSD
Guest - Ajay singh on Sunday, 24 February 2019 20:21

I have taken volunteer retirement from Indian Air Force after rendering service for 9yrs 10 months. I was kept under reserve engagement period for 02 years. Now am i eligible to buy car through csd.Pls advise.

I have taken volunteer retirement from Indian Air Force after rendering service for 9yrs 10 months. I was kept under reserve engagement period for 02 years. Now am i eligible to buy car through csd.Pls advise.
Guest - karan on Saturday, 10 August 2019 15:29

Yes you Can Take Car From CSD

Yes you Can Take Car From CSD
Guest - Pradeep on Sunday, 17 February 2019 08:47

My father was a retired JCO and passed away in 2016.My mother is an illiterate and 50 years old. She can't apply for driving license. But csd is demanding driving license. What should l do in this situation

My father was a retired JCO and passed away in 2016.My mother is an illiterate and 50 years old. She can't apply for driving license. But csd is demanding driving license. What should l do in this situation
Guest - sourabh dasare on Monday, 18 March 2019 17:40

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

Driving License is Relaxed for Retired PBOR and Senior Citizens as per Guidelines issued in June 2015
Guest - Venkatesh V on Tuesday, 12 February 2019 19:28

Sir, My father has passed away after serving 19 years in Airforce.
My mother is getting pension since then.
She is trying to apply for 4 wheeler now. Is Driving licence must for her?
She is 52 years old now.
Please let me know.

Sir, My father has passed away after serving 19 years in Airforce. My mother is getting pension since then. She is trying to apply for 4 wheeler now. Is Driving licence must for her? She is 52 years old now. Please let me know.
Guest - ajay shukla on Tuesday, 15 January 2019 14:19

I am ex serviceman and I have Zila board in Bihar and wants to purchase the car in other state that is in Rajasthan. Can you please guide me what are the steps I need to follow like you have said about this that I need to do the formalities from zila board so please describe the formalities that I will need to do and also please let me know after doing the formalities where I need to go to complete the purchase in Jaipur, Rajasthan?

I will be thankful if you can reply asap.

Thanks in advance.

I am ex serviceman and I have Zila board in Bihar and wants to purchase the car in other state that is in Rajasthan. Can you please guide me what are the steps I need to follow like you have said about this that I need to do the formalities from zila board so please describe the formalities that I will need to do and also please let me know after doing the formalities where I need to go to complete the purchase in Jaipur, Rajasthan? I will be thankful if you can reply asap. Thanks in advance.
Guest - Pradeepreddy on Monday, 07 January 2019 04:59

My father worker in CRPF for 29years.....can I get a car... In canteen..

My father worker in CRPF for 29years.....can I get a car... In canteen..
Guest - Jeetendra bhandari on Saturday, 22 December 2018 23:05

Hello Mam/ Sir,
My father served in Indian army for 15 years and took retirement in 1986 as Naik. Unfortunately Last year he passed away. Now my mother is getting the painsion, so is mother eligible to purchase a car from csd?

Hello Mam/ Sir, My father served in Indian army for 15 years and took retirement in 1986 as Naik. Unfortunately Last year he passed away. Now my mother is getting the painsion, so is mother eligible to purchase a car from csd?
Guest - Tushar amale on Sunday, 03 February 2019 16:37

Please share your mobile number.we can help you to purchase car from CSD.im a dealer person

Please share your mobile number.we can help you to purchase car from CSD.im a dealer person
Guest - Meenu on Monday, 10 December 2018 14:06

My father was retired army officer. After my father and mother my brother is drawing pension as a handicap child. Is he eligible to buy car through csd canteen.

My father was retired army officer. After my father and mother my brother is drawing pension as a handicap child. Is he eligible to buy car through csd canteen.
Guest - Vishwas on Tuesday, 08 January 2019 18:22

Should we give licence of widow of army officer??

Should we give licence of widow of army officer??
Guest - Shridhar on Sunday, 09 December 2018 23:06

My dad is BSF ex service man 26 years service. Can we buy car through CSD..?

My dad is BSF ex service man 26 years service. Can we buy car through CSD..?
Guest - Appavuraj on Tuesday, 20 November 2018 08:28

Why don’t you make the process easier for senior citizen living in southern Tamilnadu I was told I had to go to Chennai CSD depot to get the Delivery order for Maruthi car Why can’t they issue order online after checking all my documents Even biometric verification I am retired SC H & OS from DRDO in Mar 2018 Kindly make the process easier Some officials in local area don’t even sign the document even after visiting his office It should be a Self certified verification for senior officials

Why don’t you make the process easier for senior citizen living in southern Tamilnadu I was told I had to go to Chennai CSD depot to get the Delivery order for Maruthi car Why can’t they issue order online after checking all my documents Even biometric verification I am retired SC H & OS from DRDO in Mar 2018 Kindly make the process easier Some officials in local area don’t even sign the document even after visiting his office It should be a Self certified verification for senior officials
Guest - Sanjeet on Thursday, 08 November 2018 13:27

Hello sir I am serving in indian army... My service is 8 years 5 months can I have buy a car....

Hello sir I am serving in indian army... My service is 8 years 5 months can I have buy a car....
Guest - Balvinder Singh on Tuesday, 30 October 2018 17:43

My father was retired JCO and expired in February 2018. Can my mother purchase a bike....through CSD ....if yes ..then what is the procedure?

My father was retired JCO and expired in February 2018. Can my mother purchase a bike....through CSD ....if yes ..then what is the procedure?
Guest - Sunil kumar on Saturday, 27 October 2018 09:50

Sir I am in itbp force kya me csd through car le skta hu

Sir I am in itbp force kya me csd through car le skta hu
Guest - Mohan on Thursday, 18 October 2018 21:22

Sir I'm a serving air Force person.I want to purchase car throughcsd on the name of my father who is a dependent.so can it be done pls suggest me

Sir I'm a serving air Force person.I want to purchase car throughcsd on the name of my father who is a dependent.so can it be done pls suggest me
Guest
Thursday, 23 September 2021

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