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CSD Canteen Car Buying Process Revised in 2022. New Eligibility, Documents Explained

CSD Canteen Car Buying Process Revised in 2022. New Eligibility, Documents Explained

Car Purchase Process through CSD Canteen Revised and Updated in 2022. New Eligibility Norms, Documents for Commissioned Officers, JCO, PBOR, Exservicemen in Indian Army, Navy, IAF Force


CSD Canteen Car Buying Process - 2022 - Updated 

Its estimated that there are close to over 3000 products available at concessional price through CSD Canteen but car is the most expensive and desired Product. Its estimated that as against Civil Prices, Cars in CSD cost a lot lesser to tune of Rs 70,000 to 1.5 Lakh.

But, other consumer goods and items - which are available over the counter. Cars are bought through Authorized Car Dealerships only - however process and payments are routed through CSD Car Cell Unit and pricing is calculated with 50% Rebate on GST

  GST Rate Comparison  
Car Segment Civil Rates CSD Canteen Rates - Benefit with 50% Rebate on GST
Sub 4 Meter Petrol Car with Engine < 1.2 Litre 28% GST + 1% Cess = 29% 14% GST + 1% Cess = 15%
Sub 4 Meter Diesel Car with Engine < 1.5 Litre 28% GST + 3% Cess = 31% 14% GST + 3% Cess = 17%
Petrol Car with Engine > 1.2 Litre but < 1.5 Litre 28% GST + 17% Cess = 45% 14% GST + 17% Cess = 31%
Diesel Car with Engine > 1.5 Litre 28% GST + 17% Cess = 45% 14% GST + 17% Cess = 31%
Cars with Engine > 1.5 Litre but GC < 170 mm 28% GST + 20% Cess = 48% 14% GST + 20% Cess = 34%
Cars with Engine > 1.5 Litre and GC > 170 mm 28% GST + 22% Cess = 50% 14% GST + 22% Cess = 36%

 

 

Eligible Profiles for Buying Car through 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 Car Buying Process in 2022 - Updated & Revised with Clear Instructions

 

Step 1 - Have Updated Documents

1. Ensure that you have

  • PAN Card Copy in Original with you
  • Aadhar Card
  • Csd Grocery Card duly renewed and updated, PPO, & discharge book,all in easily accessible place. 

Reason - many personnel have missing documents or have Grocery Card validity expired and thus face issue later on like when they get new Grocery card and process for billing it states that - 'Duplicate Demand already exists for Same PAN'. Also as a user you cant edit Grocery Details after updating once on site and same approved by ADMIN of Afdportal.

So First and foremost is to ensure Correct Documents with you

 

Step 2 - Check your Eligibility for Buying Car

CSD Canteen has specified a chart - which defines Car Eligibility basis Pay Scale of Defence Personnel and revised in Eligibility Criteria

CSD Pay Scale Maximum Car Price Minimum Service Criteria  Gap
Sepoy/ L.Naik /Naik / Naik Subedar. AC/LAC/CPL/SGT/JWO. OS/LS/PO/CPO (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
Subedar / Subedar Major. WO/MWO. MCPO 2nd C/ MCPO 1st C (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

  

Step 3 - User Registration on CSD Site

User Registration is the first Step. A User need to visit website https://afd.csdindia.gov.in/ and register to create a new user account (if not having).

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

Once application submitted - you will get a message that Thank you for Registering on the CSD AFD Online Portal. You will be sent notification after admin approves your request.

It can take anywhere from 1 to 4 Working Days from CSD Admin End to approve account. Do note that now no separate approval required for buying Car through CSD - anyone who meet eligibility norms and buying Car as per Limit Specified is by default approved.

 

Step 4 - Contacting Dealer Showroom for Car Availability, Price Quote

If you have not decided on the Car or looking for Detailed Model Wise Variant list, Features and Specifications - can check New Car Section of MyCarHelpline having 1 Pager details of every Model as sold. Also may check your Loan EMI through EMI Calculator

New Cars

Check Prices with Complete Features

Make
Model

 

  • Now is the time to contact your Car Dealer. Ensure that Dealer Showroom has Facilitation of Car Delivery through CSD Canteen

 

  • Also, Its important to note that all model Variants may not be listed and even if car model is approved, so pls check and enquire on Model Variant availability as every Model Variant as Unique Index Number, Price through CSD Canteen as what finalised

 

  • 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

 

  • Price Quoted by Dealer Showroom can be matched by Login to AFD Portal. In no-way a dealer can charge a higher or different price as what referred in CSD Portal, Ofcourse Registration and Insurance Premium is Separate.

 

Calculators Get One Touch Information
Car Loan EMI Calculator Car Loan EMI Calculator
Car Loan Eligibility Calculator Car Loan Eligibility Calculator
Car Loan Repayment Schedule Loan Repayment Calculator

 

Step 5 - 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
  • RTGS to be done in favor of CSD Head Office Main Account AFD1 Receipts Only in Punjab National Bank in PNB Fort Branch, Mumbai. Pls ask for Account Number from local dealer

 

Step 6 - 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 
  • Once you choose the Canteen through which you intent to collect purchase order the bank to which payment is to be made will pop up - Make Payment and Submit Application

As soon as you submit applicationyou will get acceptance/ cancellation slip from CSD, Then - 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,

But, instead of making Phone call or Whatspp - recommended Medium is Helpdesk Email Id - This email address is being protected from spambots. You need JavaScript enabled to view it. and 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. It will be quicker response through Email as against Phone call where you may continue try to connect.

 

Step 7 - Submit Documents in CSD Canteen for Purchase Order Issuance

In a couple of days - the unit through which purchase order is given will contact you. They will ask to check all documents in Original

  • CSD Challan Copy
  • Pan card and Aadhar card (ID and Address Proof)
  • Canteen Grocery Card (Remember your PIN) - also if your Grocery card is more than 10 yrs Old it needs renewal pre hand
  • Copy of Driving Licence (Driving License is Relaxed for Senior Citizens as per Guidelines issued in June 2015)
  • Service Certificate (Working) / Ex-Service ID Card Discharge Book and PPO (for Ex-Servicemen)
  • Relationship Proof in Original and PhotoCopy along with Pension Copy (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 8 - 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.

 

Issues Related to CSD

1. Duplicate Demand Exists for Same PAN : Like if you face this issue of Duplicate Demand 

You need to email and contact CSD Helpdesk Admin Team to get ur old demand deleted. There is no option on CSD Portal as of now to cancel demand from user end, only Admin Team has access. So pls connect them through Email, Whatsapp and other means to cancel demand

 

2. Demand Rejected: Like if in a case demand rejected due to any reason by Regional CSD then you need to submit in all details as

  • Grocery Card
  • PAN Card
  • Rejected Details Screenshot
  • Bank Transaction Details
  • Bank Account Details
  • Passbook Copy
  • Any other applicable documents related to CSD Service

as photocopy to URC Office, where they will check on reason and URC Office Team will take it ahead and send to Regional CSD Office in Mumbai which may take anywhere close to 3 Months

So Ensure that while Filling application for CSD - you should not make any mistakes which can lead to rejection of Demand in system.

 

3. Additional Document Required: If you face any such messge that pls upload PPO/Dischargebook having personal number details - then Personal number is Army number which is mentioned on the book/ppo

 

4. Registration Done on Exshowroom Price or CSD Price: Only 3 States / UT

  • Chandigarh
  • Punjab
  • Gujarat

allow registration amount to be calculated on Base Price (before GST) - rest if you plan to get car registered then Civil Price (i.e Ex-showroom Price) of car will be taken as base for calculation of Road Tax

Else - now BH Registration Bharat Series Number Plate also started where Pro-rata road tax needs to be paid every 2 years

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

 

Comments 305

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 - 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
Wednesday, 29 June 2022

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