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CSD Car Buying Process, Eligibility, Documentation in 2020 India

CSD Car Buying Process, Eligibility, Documentation in 2020 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 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

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

  • Car Engine Size,
  • Cubic Capacity
  • Price
  • Pay Scale of Defence Personnel 
CSD Pay Scale Maximum Car Price Car Engine cc (max) Buy  Gap
Below Officer Grade: Pay Level 3A-9 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
Officer Grade and above: Pay Level 10 - 18 and Serving Civilian Officer 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 15 Lakh as Civil Price) are eligible (as these SUV Cars have highest GST) for Level 10 and above

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

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 2020 - Updated

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 sent to Unit Run Canteen or Local CSD Depot (as the case may be)

  • Indent Application Form Duly Filled with Passport Size Photo (Your Dealer will assist you in it - 2 Copies)
  • 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)
  • 1 financial position certificate (if below officers rank)
  • 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 (if vehicle booked)

These Documents need to be Submitted as Bunch Physically to Unit Run Canteen or may take your Car Dealer for Assistance

 

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


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


 

 

Payment Process

  • 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)"
  • 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

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 221

Guest - Suresh Raja on Monday, 29 January 2018 16:12

Hi my father is an ex service men in indian army he got stroke and right side of his body got paralysed now. He cant be able to move anywhere. Can i be able to buy car in mother name

Hi my father is an ex service men in indian army he got stroke and right side of his body got paralysed now. He cant be able to move anywhere. Can i be able to buy car in mother name
Guest - S Naresh on Monday, 22 January 2018 07:32

Dear Sir
We want to purchase Wagon R , my car dealer has provided the amount, my mother is widow,my father was working in Navy in Civilian and retired as PDO.
Now my question is can I help my mother to purchase car by paying the said amount through credit card or the payment has to be made through Demand drafting only from my account. Or is it payment has to be made from mother's account only.

Dear Sir We want to purchase Wagon R , my car dealer has provided the amount, my mother is widow,my father was working in Navy in Civilian and retired as PDO. Now my question is can I help my mother to purchase car by paying the said amount through credit card or the payment has to be made through Demand drafting only from my account. Or is it payment has to be made from mother's account only.
Guest - kyrao on Saturday, 13 January 2018 09:51

I am a Civilian Gaz.Officer in the Navy am I eligible to buy a Car through CSD

I am a Civilian Gaz.Officer in the Navy am I eligible to buy a Car through CSD
Guest - Devesh pandey on Saturday, 06 January 2018 19:15

I am retired from army and i want to but a car from canteen. Do i need to pay at once or can i pay it in installments?

I am retired from army and i want to but a car from canteen. Do i need to pay at once or can i pay it in installments?
Guest - Narendra Kumar on Thursday, 04 January 2018 15:43

Sir,
I have completed 9 Years in indian coast guard and i m equivalent to JCO. can i purchage a car through CSD. is there any difference of prices among the CSD canteens.

Sir, I have completed 9 Years in indian coast guard and i m equivalent to JCO. can i purchage a car through CSD. is there any difference of prices among the CSD canteens.
Guest - janmejaya sahu on Tuesday, 02 January 2018 23:28


Sir can i purchase a car from anywhere in India through CSD or only from home state.

Sir can i purchase a car from anywhere in India through CSD or only from home state.
Guest - Ankur sharma on Friday, 22 December 2017 19:58

Hi my father is retired from ordinance factory and has a canteen smart card please advise if he can buy a car from CSD and is there any limit on the value of car. Currently he lives in pune but has retired from Jabalpur Ordinance factory. Please can you also help if loan can be taken on the car

Hi my father is retired from ordinance factory and has a canteen smart card please advise if he can buy a car from CSD and is there any limit on the value of car. Currently he lives in pune but has retired from Jabalpur Ordinance factory. Please can you also help if loan can be taken on the car
Guest - Gopinath Pattanaik on Sunday, 17 December 2017 17:59

Hi
I am planning to buy a car through CSD. But when I went for car loan the psu bank is saying that they only have the provision to transfer fund to dealer's account not to CSD account. What can I do ? Please help. Now it is mandatory to trasfer the fund from own a/c to csd account

Hi I am planning to buy a car through CSD. But when I went for car loan the psu bank is saying that they only have the provision to transfer fund to dealer's account not to CSD account. What can I do ? Please help. Now it is mandatory to trasfer the fund from own a/c to csd account
Guest - Syam Chand on Wednesday, 13 December 2017 10:56

Hi
I am planning to buy a car through CSD. But when I went for car loan the bank (SBI) is saying that they only have the provision to transfer fund to dealer's account not to CSD account. What can I do ? Please help

Hi I am planning to buy a car through CSD. But when I went for car loan the bank (SBI) is saying that they only have the provision to transfer fund to dealer's account not to CSD account. What can I do ? Please help
Guest - Jagdeep Singh on Wednesday, 06 December 2017 17:55

We had purchased a car as my late grand father was ex service man of Indian Army.
In RC book it is mentioned NAme: INCS AC Jagdeep Singh
Can someone help me what is the meaning of INCS AC

We had purchased a car as my late grand father was ex service man of Indian Army. In RC book it is mentioned NAme: INCS AC Jagdeep Singh Can someone help me what is the meaning of INCS AC
Guest - Aman on Wednesday, 27 December 2017 04:31

No need to worry, Indian Naval Canteen Service. Your grandfather may had written somewhere incs in any legal document.

No need to worry, Indian Naval Canteen Service. Your grandfather may had written somewhere incs in any legal document.
Guest - Amit on Tuesday, 05 December 2017 13:23

I'm Amit. Serving in army. My service is 5 years. Can I apply for car through Csd

I'm Amit. Serving in army. My service is 5 years. Can I apply for car through Csd
Guest - Prabhakaran Nair on Saturday, 02 December 2017 13:28

I am a retired Defence Civilian Class I officer ,as per present policy I am entitled to buy a car through CSD. But I do not have the pension book and the discharge certificate Will the PPO do
instead of the discharge certificate and the pension book?and who has to countersign my application form?

I am a retired Defence Civilian Class I officer ,as per present policy I am entitled to buy a car through CSD. But I do not have the pension book and the discharge certificate Will the PPO do instead of the discharge certificate and the pension book?and who has to countersign my application form?
Guest - Soubhik Mullick on Thursday, 14 December 2017 21:01

You can take your ID card if available, that should be enough even if you don't have discharge book. PPO is compulsory.
They may ask you to show the discharge book, but try to pursuade them. Try not to tell them that its lost as they will ask you to get it from the same sainik board that gave you the discharge book.

You can take your ID card if available, that should be enough even if you don't have discharge book. PPO is compulsory. They may ask you to show the discharge book, but try to pursuade them. Try not to tell them that its lost as they will ask you to get it from the same sainik board that gave you the discharge book.
Guest - Roopa on Monday, 27 November 2017 12:32

Kindly reply any one my father was jco in army,what all canteen facility we can awail and what all heavy things we can buy from canteen

Kindly reply any one my father was jco in army,what all canteen facility we can awail and what all heavy things we can buy from canteen
Guest - Roopa on Monday, 27 November 2017 12:30

Hi,my father is an late ex-service men from army,my mom is staying in Cochin, am her daughter married,can i buy car in careoff my mother and is there furniture available in Cochin naval canteen or for car purchasing she can contact csd kadavantra

Hi,my father is an late ex-service men from army,my mom is staying in Cochin, am her daughter married,can i buy car in careoff my mother and is there furniture available in Cochin naval canteen or for car purchasing she can contact csd kadavantra
Guest - Soubhik Mullick on Thursday, 14 December 2017 20:58

You need to make a widow ID card from the nearest sainik board for your mother. With that ID card, you can go ahead with the indent form available online and get it signed by the nearest sainik board association.
If feasible go to the same sainik board which is written in your dad's discharge book, otherwise you'll have to get a NOC from that sainik board in discharge copy.
The documents needed for indent form approval which is the eligibility letter is:
Discharge book
Widow ID card
Pension Pay order slip

You need to make a widow ID card from the nearest sainik board for your mother. With that ID card, you can go ahead with the indent form available online and get it signed by the nearest sainik board association. If feasible go to the same sainik board which is written in your dad's discharge book, otherwise you'll have to get a NOC from that sainik board in discharge copy. The documents needed for indent form approval which is the eligibility letter is: Discharge book Widow ID card Pension Pay order slip
Guest - Sangeetha on Tuesday, 21 November 2017 15:05

My father is exserviceman from kerala.can he buy a car from csd

My father is exserviceman from kerala.can he buy a car from csd
Guest - Aman on Wednesday, 27 December 2017 04:33

Obviously he can buy a car if he have not purchased any car after the retirement. Also depends on the rank as well.

Obviously he can buy a car if he have not purchased any car after the retirement. Also depends on the rank as well.
Guest - Sooraj on Tuesday, 31 October 2017 23:35

Sir.
I m an ex recruit .i m medically board out from service during training and getting pension .canteen and medical facilities. Can i buy a car from CSD.

Sir. I m an ex recruit .i m medically board out from service during training and getting pension .canteen and medical facilities. Can i buy a car from CSD.
Guest
Wednesday, 12 August 2020

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