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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 - captain amit on Thursday, 09 July 2020 01:31

no you cannt buy sorry

no you cannt buy sorry
Guest - Amritpal Singh on Wednesday, 06 May 2020 15:22

Dear Sir, Is there any rule which says that no one can buy car under csd facility till 30th june? Please reply.

Dear Sir, Is there any rule which says that no one can buy car under csd facility till 30th june? Please reply.
Guest - Amritpal Singh on Wednesday, 06 May 2020 15:21

Sir abhi koi aesa rule nikkla hai kya jisme likha hai ki Csd facility pr 30 july tkk car nhi le skte ? Please reply asap.

Sir abhi koi aesa rule nikkla hai kya jisme likha hai ki Csd facility pr 30 july tkk car nhi le skte ? Please reply asap.
Guest - Umend singh on Sunday, 12 July 2020 21:53

Hi I am Civilian employee ordinance factory khamaria Group B officer GP 4200 swift car eligibility pls confirm sir

Hi I am Civilian employee ordinance factory khamaria Group B officer GP 4200 swift car eligibility pls confirm sir
Guest - Jayanth R on Friday, 01 May 2020 21:58

Can craftsman (CFN) buy Tata Nexon xz+?

Can craftsman (CFN) buy Tata Nexon xz+?
Guest - Subramani Gundappan on Sunday, 22 March 2020 15:42

My Father is Army ex service man, I am egligilbe for purchase New CRETA BS IV car ?

My Father is Army ex service man, I am egligilbe for purchase New CRETA BS IV car ?
Guest - Prahlad Singh on Tuesday, 28 April 2020 07:59

Sir apki father ki rank ke according app car ke eligible ho.
If officer hai then app creta 2020 lesktey hai.
If other ranks kai then app ni lesktey .
Go for tata nexon xe
Best in quality , safety , features everything
Just go for it ?

Sir apki father ki rank ke according app car ke eligible ho. If officer hai then app creta 2020 lesktey hai. If other ranks kai then app ni lesktey . Go for tata nexon xe Best in quality , safety , features everything Just go for it ?
Guest - vikrant on Monday, 22 June 2020 14:30

my father is ex servicement JCO can he buy Nexon xe ?

my father is ex servicement JCO can he buy Nexon xe ?
Guest - Subramani Gundappan on Sunday, 22 March 2020 15:40

CSD Car price for New CRETA, Also Ex service man Children is eligible for purchase New BS IV CRET ?

CSD Car price for New CRETA, Also Ex service man Children is eligible for purchase New BS IV CRET ?
Guest - Amba Datt on Thursday, 19 March 2020 12:29

Hi, I am retired from ordinary H/nub/sub. I am planning to buy a commercial vehicle. Is it possible to buy through CSD......in loan? I have not buy any vehicle through CSD yet.

Hi, I am retired from ordinary H/nub/sub. I am planning to buy a commercial vehicle. Is it possible to buy through CSD......in loan? I have not buy any vehicle through CSD yet.
Guest - Prahlad on Tuesday, 28 April 2020 08:00

Yes sir u can take your car through csd in loan ?

Yes sir u can take your car through csd in loan ?
Guest - Harmohan Singh on Sunday, 15 March 2020 00:41

Hi sir
I'm ex servicemen and I have applied for a ex servicemen canteen smart card. I have a old serving csd canteen smart card. Can I buy car from csd

Hi sir I'm ex servicemen and I have applied for a ex servicemen canteen smart card. I have a old serving csd canteen smart card. Can I buy car from csd
Guest - Nirmal Kumar on Tuesday, 03 March 2020 20:21

I have done 6 years 5 months service in army postal Service (19-4-2006 to 30-9-2020). Can i purchase car through CSD?

I have done 6 years 5 months service in army postal Service (19-4-2006 to 30-9-2020). Can i purchase car through CSD?
Guest - VIKAS KUMAR on Monday, 02 March 2020 22:13

Hi .. I purchased last car in Feb 2015 during service ... I m now retd... can I buy new car... pay band 11

Hi .. I purchased last car in Feb 2015 during service ... I m now retd... can I buy new car... pay band 11
Guest - Sanjay Majoka on Friday, 14 February 2020 11:01

Kya main Maruti Suzuki Ertiga VXI khareed sakta hun mere army mein service 16 sal ho gai hai

Kya main Maruti Suzuki Ertiga VXI khareed sakta hun mere army mein service 16 sal ho gai hai
Guest - Mangesh Jadhav on Tuesday, 11 February 2020 21:22

I have retired from the Indian Army with 8.3 years of service. Can I buy a car from csd canteen?

I have retired from the Indian Army with 8.3 years of service. Can I buy a car from csd canteen?
Guest - Peeyush on Tuesday, 04 February 2020 11:02

My father is in airforce and retired from JCO (junior commissioned officer) what is the limit . And pay scale

My father is in airforce and retired from JCO (junior commissioned officer) what is the limit . And pay scale
Guest - Raj Singh on Friday, 17 January 2020 21:07

My son is Capt 4 year service he can by car through csd

My son is Capt 4 year service he can by car through csd
Guest - Prahlad Singh on Tuesday, 28 April 2020 08:02

Yes sir

Yes sir
Guest - Anilkumar on Thursday, 14 November 2019 12:50

Dear sir, I am a retired Havildar clerk from Indian Army. I never purchased any car through CSD. Please clear can I purchase Maruti Desire VXi variant through CSD canteen.

Dear sir, I am a retired Havildar clerk from Indian Army. I never purchased any car through CSD. Please clear can I purchase Maruti Desire VXi variant through CSD canteen.
Guest
Wednesday, 12 August 2020

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