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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 - 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 - B RAO on Sunday, 29 October 2017 22:48

I am an ex-serviceman and registered in Visakhapatnam Zilla sainik board. Now I am employed in Hyderabad. Can I get the indent signed by Hyderabad Zilla sainik board.

I am an ex-serviceman and registered in Visakhapatnam Zilla sainik board. Now I am employed in Hyderabad. Can I get the indent signed by Hyderabad Zilla sainik board.
Guest - akhilesh rathore 9555414887 on Monday, 06 November 2017 15:08

thanks for asking this type of question if u are currently with service your indent singed by oc or co
if u are ex-service man this will sign from your soldier board or you can sign it from station head quarter anywhere in India.


thanks for asking this type of question if u are currently with service your indent singed by oc or co if u are ex-service man this will sign from your soldier board or you can sign it from station head quarter anywhere in India.
Guest - RRAVICHANDRAN on Saturday, 28 October 2017 11:24

VERY USEFUL ARTICLE MR MODI

VERY USEFUL ARTICLE MR MODI
Guest - Rahul on Sunday, 15 October 2017 19:41

Sir, my mama is buying a car through csd . Can you tell me he can do payment through his personal account. Please clarify urgently

Sir, my mama is buying a car through csd . Can you tell me he can do payment through his personal account. Please clarify urgently
Guest - Ajay on Wednesday, 27 September 2017 16:06

Sir I am In iaf and completed 5 yrs...... Can I purchase baleno car from csd??

Sir I am In iaf and completed 5 yrs...... Can I purchase baleno car from csd??
Guest - Sanjeev kumar on Tuesday, 26 September 2017 12:18

I purchase a car from CSD, I want to transfer this car. Plz tell the time period to transfer vehicle

I purchase a car from CSD, I want to transfer this car. Plz tell the time period to transfer vehicle
Guest - Soubhik Mullick on Thursday, 14 December 2017 21:07

Atleast for first 3 years you can't sell the vehicle.

Atleast for first 3 years you can't sell the vehicle.
Guest - Subodh kr sinha on Sunday, 24 September 2017 21:20

Hi sir I am ek Sgt subodh Kumar sinha,resides in Patna,can I purchase swift vxi from hisar CSD

Hi sir I am ek Sgt subodh Kumar sinha,resides in Patna,can I purchase swift vxi from hisar CSD
Guest - Deepak SIngh Pundir on Friday, 22 September 2017 09:44

Hi,
I am retired 10 years back and registered at Roorkee, Zilla Sainik board. i want to bought a car form Noida but my Zilla Sainik Board is in Roorkee.
Should i complete my documentation for sanaction in Roorkee or Merutt.
So can I buy a car in Noida through C S D?

Hi, I am retired 10 years back and registered at Roorkee, Zilla Sainik board. i want to bought a car form Noida but my Zilla Sainik Board is in Roorkee. Should i complete my documentation for sanaction in Roorkee or Merutt. So can I buy a car in Noida through C S D?
Guest - Soubhik Mullick on Thursday, 14 December 2017 21:06

You have to get a NOC from Roorkee sainik board by producing the ppo, discharge book and ID card to them. Once you have the NOC, you can go to any sainik board throughout India to get the indent form (eligibility letter) signed from. Once you have NOC, you can go to Noida sainik board and proceed.

You have to get a NOC from Roorkee sainik board by producing the ppo, discharge book and ID card to them. Once you have the NOC, you can go to any sainik board throughout India to get the indent form (eligibility letter) signed from. Once you have NOC, you can go to Noida sainik board and proceed.
Guest - P simhadri on Sunday, 17 September 2017 19:58

I am from drdo. I am in level 7 as per 7th cpc. Am I eligible to buy a car through CSD?

I am from drdo. I am in level 7 as per 7th cpc. Am I eligible to buy a car through CSD?
Guest - Ratikanta Natal. Ex CPO on Sunday, 17 September 2017 12:49

Sir, I am from odisha. There is no CSD in Odisha. So how to purchase a car from otherCSD. Again if I buying through other CSD can bank finance me that to from which branch . From Odisha I have to finance or else from the place of CSD

Sir, I am from odisha. There is no CSD in Odisha. So how to purchase a car from otherCSD. Again if I buying through other CSD can bank finance me that to from which branch . From Odisha I have to finance or else from the place of CSD
Guest - Rahul on Sunday, 17 September 2017 10:44

Csd car buying process listed below as on 15 sep 2017 in delhi.

First go to CSD canteen depot to get list of authorized dealers.(its important to know which dealer are authorized by csd delhi)
Go to dealer and get availability certificate from him then go to soldier board or zila sanik board to get approval. Also carry the indent form duly filled. Download indent form from internet else u will get it at zila sanik board. Carry service book and other documents with you.

Approval is given almost instantly at zila sanik board.
Now go to csd depot delhi and ask them about the payment process clearly and exactly what needs to be done. Rtgs would be donene probably.

Get ls order from csd depot once payment is done.

Handover ls order to dealer and take the car as per delivery date.

Csd car buying process listed below as on 15 sep 2017 in delhi. First go to CSD canteen depot to get list of authorized dealers.(its important to know which dealer are authorized by csd delhi) Go to dealer and get availability certificate from him then go to soldier board or zila sanik board to get approval. Also carry the indent form duly filled. Download indent form from internet else u will get it at zila sanik board. Carry service book and other documents with you. Approval is given almost instantly at zila sanik board. Now go to csd depot delhi and ask them about the payment process clearly and exactly what needs to be done. Rtgs would be donene probably. Get ls order from csd depot once payment is done. Handover ls order to dealer and take the car as per delivery date.
Guest - Armybrat on Wednesday, 04 October 2017 15:42

I am from Noida, can you please guide which CSD in Delhi we have to check for purchasing cars. Can we check in any of the CSD in Delhi or any specific CSDs only ?
Please name them.

Thanks!

I am from Noida, can you please guide which CSD in Delhi we have to check for purchasing cars. Can we check in any of the CSD in Delhi or any specific CSDs only ? Please name them. Thanks!
Guest - Abhijit on Tuesday, 03 October 2017 14:06

Hi Rahul,

Does indent form signed by Zila Sainik Welfare act as the sanction letter that has to be given to bank (where one will apply for car loan) or do i need to again go to CSD depot..??

Regards- Abhijit

Hi Rahul, Does indent form signed by Zila Sainik Welfare act as the sanction letter that has to be given to bank (where one will apply for car loan) or do i need to again go to CSD depot..?? Regards- Abhijit
Guest - mohit on Wednesday, 13 September 2017 22:12

sir i have completed 3 years of service in iaf as ariman and i want to buy a car
plz let me know if i can apply from csd

sir i have completed 3 years of service in iaf as ariman and i want to buy a car plz let me know if i can apply from csd
Guest
Tuesday, 28 June 2022

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