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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 220

Guest - Late mahesh k.p on Monday, 26 June 2017 08:37

Namaskar this is Tk Arathi rani w/o late Naik mahesh k.p ,I am widow I lost my husband on 1999 while he was in service he got sever injuries and he got expired after the retirement within 15 days ,totally his service time 16+ long years , now my question is am I eligible for buying a car through CSD what procedure I need to follow

Namaskar this is Tk Arathi rani w/o late Naik mahesh k.p ,I am widow I lost my husband on 1999 while he was in service he got sever injuries and he got expired after the retirement within 15 days ,totally his service time 16+ long years , now my question is am I eligible for buying a car through CSD what procedure I need to follow
Guest - Thrilok on Saturday, 19 August 2017 22:42

Mam you are surely eligible for a car please visit zila sainik board they would help you.

Mam you are surely eligible for a car please visit zila sainik board they would help you.
Guest - Shaik mahamood on Sunday, 25 June 2017 22:07

Hi, I have grocery card, pan card but not driving license can I get car from CSD??

I misplaced my discharge book and PPO some where while shifting house, is that mandatory to submit the copy?? I have PPO number and bank passbook to which am getting pension is that enough?? I have PPO no. And discharge book details noted. Is that enough or copy is mandate to submit??

Kindly let me know

Hi, I have grocery card, pan card but not driving license can I get car from CSD?? I misplaced my discharge book and PPO some where while shifting house, is that mandatory to submit the copy?? I have PPO number and bank passbook to which am getting pension is that enough?? I have PPO no. And discharge book details noted. Is that enough or copy is mandate to submit?? Kindly let me know
Guest - Bsraju on Saturday, 19 August 2017 10:57

No, you must have PPO and discharge book for purchase of car through csd

No, you must have PPO and discharge book for purchase of car through csd
Guest - Dhruv on Sunday, 25 June 2017 17:11

One question person who is interested buying car from CSD does he has to pay in one-time cash or EMI options are available. If yes then whom to contact???

One question person who is interested buying car from CSD does he has to pay in one-time cash or EMI options are available. If yes then whom to contact???
Guest - Bsraju on Saturday, 19 August 2017 10:58

You have to pay one time to CSD, but you get finance through bank where you pay by emi

You have to pay one time to CSD, but you get finance through bank where you pay by emi
Guest - Vinod Kumar Luthra on Saturday, 24 June 2017 10:40

Sir,

Pls respond urgently to my query as I am in process of buying a car from CSD.

Sir, Pls respond urgently to my query as I am in process of buying a car from CSD.
Guest - Vinod Kumar Luthra on Saturday, 24 June 2017 10:25

Sir,
I already have a second hand car Alto,( not purchased from CSD). Can I apply to purchase a new car Ertiga from CSD? I have never purchased a car from CSD earlier.

Sir, I already have a second hand car Alto,( not purchased from CSD). Can I apply to purchase a new car Ertiga from CSD? I have never purchased a car from CSD earlier.
Guest - OM Prakash Singh on Wednesday, 21 June 2017 22:09

Hi,
I am an ex defense serviceman and i have deposited car amount in the CSD SBI depot ramgarh Jharkhand on 31/5/17 but due to Licence of four wheeler, i did not get the PO from there, However i applied for licence on 5/5/17 and waiting to get the same but since 22/6/17 canteen will not released the P.O due to GST implementation from 1st of July 17 at this scenario, What I Do? I want to get back my amt from there but i do not know the process..Please suggest, I am very dis pointed and not finding any way out.

Hi, I am an ex defense serviceman and i have deposited car amount in the CSD SBI depot ramgarh Jharkhand on 31/5/17 but due to Licence of four wheeler, i did not get the PO from there, However i applied for licence on 5/5/17 and waiting to get the same but since 22/6/17 canteen will not released the P.O due to GST implementation from 1st of July 17 at this scenario, What I Do? I want to get back my amt from there but i do not know the process..Please suggest, I am very dis pointed and not finding any way out.
Guest - Guest on Monday, 19 June 2017 14:40

Hi I am working as defence civilian with a gp of rs. 4600. Can you please clarify that I am eligible for purchase of car through csd? If yes what documents i have to furnish.

Hi I am working as defence civilian with a gp of rs. 4600. Can you please clarify that I am eligible for purchase of car through csd? If yes what documents i have to furnish.
Guest - Jas on Sunday, 02 July 2017 22:49

Yes you can buy a car from csd with copy of each document
1. Aadhar card
2. PAN card
3. Grocery Card
4. Financial certificate
5. Driving license

Yes you can buy a car from csd with copy of each document 1. Aadhar card 2. PAN card 3. Grocery Card 4. Financial certificate 5. Driving license
Guest - Sub Mahadev netke on Sunday, 20 August 2017 10:35

is driving license mandatory

is driving license mandatory
Guest - Pratish Swetabh on Monday, 19 June 2017 12:11

Hi
I am a non pensioner ex-serviceman from Indian Navy. I have served for 11years and 5 months... Zila sainik board says that I am not eligible as I am non pensioner.. I am buying by paying full payment at once even they say I am not eligible... I have retired from the post of Leading Aircraft Handler (LAH). For my rank the car should not exceed 1800cc... Please help... Whether I am eligible for buying car from CSD or not...

Hi I am a non pensioner ex-serviceman from Indian Navy. I have served for 11years and 5 months... Zila sainik board says that I am not eligible as I am non pensioner.. I am buying by paying full payment at once even they say I am not eligible... I have retired from the post of Leading Aircraft Handler (LAH). For my rank the car should not exceed 1800cc... Please help... Whether I am eligible for buying car from CSD or not...
Admin on Monday, 19 June 2017 17:22

@ Pratish Swetabh,

To the best of our info - Retired employees who are getting pension from CSD Fund are eligible for Benefits
Still - for exact clarification - Suggest to contact in local CSD Depot for same

@ Pratish Swetabh, To the best of our info - Retired employees who are getting pension from CSD Fund are eligible for Benefits Still - for exact clarification - Suggest to contact in local CSD Depot for same
Guest - Anonymous on Sunday, 18 June 2017 15:18

Hello sir
I m son of a colonel. My dad is too old to drive a car and hence he has a driver. Also, he cannot be issued with a driving license because is he unfit for that. However, it is required while purchasing a car through CSD. So what is the substitute of his driving license or any other provision.

Hello sir I m son of a colonel. My dad is too old to drive a car and hence he has a driver. Also, he cannot be issued with a driving license because is he unfit for that. However, it is required while purchasing a car through CSD. So what is the substitute of his driving license or any other provision.
Admin on Monday, 19 June 2017 17:20

Hello,

We have provided list of documents as specified for CSD application process
In case of exceptions or waiver of documents - Suggest to contact in local CSD Depot for same

Hello, We have provided list of documents as specified for CSD application process In case of exceptions or waiver of documents - Suggest to contact in local CSD Depot for same
Guest - Inayat Khan on Friday, 16 June 2017 21:31

I am ex sub maj i take car from csd in 2010 can I take another car now

I am ex sub maj i take car from csd in 2010 can I take another car now
Admin on Saturday, 17 June 2017 15:36

Hello.

The rules says JCO and equivalent rank can buy car once in service and once in retirement
However - there is additional ruling in it that gap between 2 cars should be minimum 10 years
Been you purchased your previous vehicle in 2010 - the next vehicle as per CSD Eligibility norms can be bought through CSD Canteen in 2020 and ahead

Hello. The rules says JCO and equivalent rank can buy car once in service and once in retirement However - there is additional ruling in it that gap between 2 cars should be minimum 10 years Been you purchased your previous vehicle in 2010 - the next vehicle as per CSD Eligibility norms can be bought through CSD Canteen in 2020 and ahead
Guest - Jacob Nelson on Monday, 12 June 2017 19:33

HI
Thanks for the information, but can you please clarify If Ex Border Security Force Personnel is eligible for purchase through CSD?
When I checked with dealer, they said its not available for Ex BSF

HI Thanks for the information, but can you please clarify If Ex Border Security Force Personnel is eligible for purchase through CSD? When I checked with dealer, they said its not available for Ex BSF
Admin on Tuesday, 13 June 2017 09:28

Hi -

To the best of our info - All ranks of Subedar, Officer, Commissioned Officer and Ex-servicemen are eligible for buying Car under CSD
Am unsure whether a Ex-BSF Employee comes as part of Ex-servicemen in Defence
If yes - will be eligible for purchase through CSD, else may not be.

Hi - To the best of our info - All ranks of Subedar, Officer, Commissioned Officer and Ex-servicemen are eligible for buying Car under CSD Am unsure whether a Ex-BSF Employee comes as part of Ex-servicemen in Defence If yes - will be eligible for purchase through CSD, else may not be.
Guest
Thursday, 06 August 2020

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