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CSD Car Buying Process, Eligibility, Document Norms in 2021 India

CSD Car Buying Process, Eligibility, Document Norms in 2021 India

Car Purchase Process through CSD Canteen with Eligibility, Documents for Commissioned Officers, JCO, PBOR, Exservicemen in Indian Army, Navy, IAF Force


CSD Canteen Car Buying Process - 2021

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 in 2021

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

  • Pay Scale of Defence Personnel
  • Price

and revised in Eligibility Criteria

CSD Pay Scale Maximum Car Price Minimum Service Criteria  Gap
Below Junior Commissioned Officer (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
Junior Commissioned Officer (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

 

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 Payment:

Effective 1st February 2021 payment system is what Centralized PAN India where CSD Payments needs to be sent to 

  • CSD Head Office Main Account AFD1 Receipts Only
  • PNB Fort Branch, Mumbai

 

CSD Car Buying Process in 2021 - Updated

New Cars

Check Prices with Complete Features

Make
Model

 

Step 1 - User Registration on CSD Site

Starting 2021 January, Defence Ministry introduced a new portal for CSD where documents needs to be uploaded to i.e website https://afd.csdindia.gov.in/

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

Sign up application will be approved by CSD Admin End in few days.

 

Step 2 - Contacting Dealer Showroom 

» 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).

Please ensure to cross-validate the price as said by Dealer on CSD Website

 

 

Step 3 - 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
  • Effective 1st February 2021 - RTGS to be done in favor of CSD Head Office Main Account AFD1 Receipts Only in Punjab Natiional Bank in PNB Fort Branch, Mumbai. Pls ask for Account Number from local dealer

 

Step 4 - 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 

Then after uploading these documents 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,

Also is Helpdesk Email Id - 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

 

Step 5 - Submit Documents in CSD Canteen for Purchase Order Issuance

You do not need to visit Depot for buying Car, but can submit below documents to CSD Canteen

  • Generated CSD Challan
  • 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)
  • 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 

 


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


 

Step 6 - 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.

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

 

Comments 290

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, 21 October 2021

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