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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 - 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 - KARAN on Saturday, 10 August 2019 15:30

yes you can take car from CSD

yes you can take car from CSD
Guest - Ajay singh on Sunday, 24 February 2019 20:21

I have taken volunteer retirement from Indian Air Force after rendering service for 9yrs 10 months. I was kept under reserve engagement period for 02 years. Now am i eligible to buy car through csd.Pls advise.

I have taken volunteer retirement from Indian Air Force after rendering service for 9yrs 10 months. I was kept under reserve engagement period for 02 years. Now am i eligible to buy car through csd.Pls advise.
Guest - karan on Saturday, 10 August 2019 15:29

Yes you Can Take Car From CSD

Yes you Can Take Car From CSD
Guest - Pradeep on Sunday, 17 February 2019 08:47

My father was a retired JCO and passed away in 2016.My mother is an illiterate and 50 years old. She can't apply for driving license. But csd is demanding driving license. What should l do in this situation

My father was a retired JCO and passed away in 2016.My mother is an illiterate and 50 years old. She can't apply for driving license. But csd is demanding driving license. What should l do in this situation
Guest
Wednesday, 12 August 2020

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