Fauji Wheels — CSD Car Price & On-Road Cost Calculator

Eligibility — what your pay level lets you buy through CSD

Pick your rank, or your pay level directly — CSD goes by pay level, not rank. The choice is kept on this device only, and is then used to mark every car in the calculator, Find by Feature and Compare as within or over your limit.

Your rank (serving or retired)

CSD pay-level band

Filled in from your rank. Change it if MACP has put you on a higher pay level than your rank.

The rules in full

The rule in force — with effect from 1 February 2024

A CSD car is capped by its price, not its engine size, and the cap depends on your pay level.

Pay level	Price cap (before taxes)	Electric car	How many	Timing
3 to 5	₹8 lakh	₹13 lakh	Four in a lifetime	First car after 5 years of service. 8 years between cars.
6 to 9	₹10 lakh	₹15 lakh	Five in a lifetime	First car after 5 years of service. 8 years between cars.
10 to 18	₹20 lakh	₹25 lakh	No lifetime limit	Once in 8 years.

The same limits apply to serving and retired personnel, and to pensioner widows and next of kin. Defence civilians paid from Defence Estimates at Pay Level 10–18 get the same entitlement as officers.

The cap is on the price before GST — and that changes a lot

The CSD price on the price list, and in this app, includes GST. The cap does not. But a CSD car carries only half the normal GST: CSD gets 50% of the GST on its purchases refunded, and its own sales to you are exempt. So a CSD car's pre-tax price is its CSD price divided by 1.09, 1.20 or 1.025, depending on its GST slab. A car with a CSD price of ₹12,00,000 in the 40% slab carries 20% GST and has a pre-tax price of ₹10,00,000 — just inside the Pay Level 6–9 limit, even though the sticker is above ₹10 lakh.

Normal GST slabs since 22 Sep 2025: 18% for a car under 4 metres with a petrol or CNG engine up to 1,200 cc (diesel up to 1,500 cc); 40% for every other car; 5% for electric. Inside a CSD price that becomes 9%, 20% and 2.5%. This app does the arithmetic for every car. Your depot's reading of “excluding taxes” is final, so confirm before you apply for a car close to the limit.

Which pay level am I?

Ranks normally sit at the levels below. If MACP has moved you up, your pay level is what counts — use the higher one. Retired personnel use the pay level they retired on.

Pay level	Army	Navy	Air Force	CSD band
3	Sepoy	Seaman I / II	Aircraftsman / LAC	3–5
4	Naik	Leading Seaman	Corporal	3–5
5	Havildar	Petty Officer	Sergeant	3–5
5A	—	Mechanician / Artificer	—	see note
6	Naib Subedar	Chief Petty Officer	Junior Warrant Officer	6–9
7	Subedar	MCPO II	Warrant Officer	6–9
8	Subedar Major	MCPO I	Master Warrant Officer	6–9
10	Hony Lieutenant	Hony Sub Lieutenant	Hony Flying Officer	see note
10B	Hony Captain	Hony Lieutenant	Hony Flight Lieutenant	see note
10–18	All commissioned officers, Lieutenant and above in each service			10–18

Three grey areas — confirm with your URC

Honorary Lt / Capt and equivalents. The 7th CPC pay rules place them at Pay Level 10 and 10B, which would put them in the officers' band. We have not seen a CSD clarification that deals with honorary ranks specifically.
Pay Level 5A (Navy mechanicians and artificers) is not named in the policy, which speaks only of Levels 3–5 and 6–9. This app uses the lower band to be safe.
Agniveers are not on the pay matrix, and the policy does not mention them.

Electric cars

The price cap is ₹5 lakh higher for an electric car: ₹13 lakh, ₹15 lakh or ₹25 lakh.
Your first electric car can be bought 6 years after your previous car, instead of 8.
The purchase after that — electric or not — needs the full 8-year gap.

Widows, next of kin and civilians

Pensioner widows and NoK can buy against the quota the individual had not used, at his pay level's limit, with the same 8-year gap. If he had already bought his full quota (four or five cars), there is no entitlement left.
Defence civilians paid from Defence Estimates at Pay Level 10–18: ₹20 lakh (₹25 lakh electric), once in 8 years.

How the purchase works

Check your entitlement — here, then with your URC if the car is close to the limit.
Get an Availability Certificate from an authorised dealer. It must show the CSD index number and model of the exact variant.
Apply on the CSD AFD portal (afd.csdindia.gov.in) using your CSD Smart Card, and upload the documents below.
Pay — from your own funds or through a car loan.
The depot issues a Local Supply Order to the dealer.
Take delivery against the supply order, then register the car — normal state registration, or BH series if you are serving. The Posting planner on the Road Tax tab compares the two.

Documents usually asked for

CSD Smart Card
Service ID card, or ESM identity card and PPO if retired
Aadhaar and PAN
The dealer's Availability Certificate
Payment proof, or the bank's loan sanction
Widows and NoK: death certificate and proof of the unused quota

The portal lists the exact set for your category.

Rules you may still see online — no longer in force

The engine-size rule — OR up to 1,800 cc, JCOs 2,000 cc, JCOs with honorary commission 2,500 cc, officers 3,000 cc once in 4 years. Many car and bank websites still print this table. It was replaced in 2019.
The June 2019 rule — Pay Level 3A–9 up to ₹5 lakh and 1,400 cc, once in service and once after retirement; officers up to ₹12 lakh and 2,500 cc, once in 8 years. Revised upward later, and replaced by the current rule on 1 February 2024.

Sources: CSD revised entitlement of four-wheelers w.e.f. 01 Feb 2024, as circulated (copy); 7th CPC Army, Navy and Air Force Pay Rules 2017, levels of ranks (Army, Navy, Air Force); ESM Corner. Checked 30 Sep 2026. CSD can revise these rules at any time, and its decision on your application is final.

Affordability — what you can actually afford, and the loan math behind it

Work backwards from what you earn, not forwards from the car you like. Every figure is editable. The tests below are deliberately stricter than what a bank will sanction — a bank lends against your ability to repay, not against your ability to live comfortably while repaying.

Net monthly income (take-home, ₹)

Existing EMIs per month (₹)

Expected running (km per month)

On-road price (₹)

Auto-filled from the variant you selected. Edit freely.

Down payment (₹)

Interest rate (% per year)

Defence salary-package rates are usually the best available — confirm the current figure with your bank.

Loan tenure (years)

Loan amount (₹)

Interest rate (% per year)

Tenure (years)

Saving vs Civil Market

Civil / Showroom Ex-Showroom Price (₹)

Enter the civil ex-showroom price to see your CSD saving.

Car-loan rates — where banks start

Published starting rates for a new-car loan, checked 30 Sep 2026. Only a strong credit score (typically 750+) gets the starting rate, so your quote may be higher. Banks that run a defence salary package often trim the rate for salary-account holders — ask your own bank. Fauji Wheels takes no referral fee from any bank.

Bank	Starting rate (p.a.)
Canara Bank	7.45%
Union Bank of India	7.50%
Indian Overseas Bank	7.55%
Punjab National Bank	7.60% floating · 8.60% fixed
Bank of Baroda	7.60% floating · 8.50% fixed
HDFC Bank	8.15%
State Bank of India	8.30% (SBI's own page; BankBazaar lists 8.80%)
ICICI Bank	8.35%
Axis Bank	8.95%
Kotak Mahindra Bank	9.00%

Sources: SBI new car loan; BankBazaar car-loan rates (updated 30 Sep 2026). Rates change often — confirm with the bank.

Step 1 — Select Your Vehicle

1. Brand

2. Model

3. Fuel Type

4. Transmission

5. Variant

Or search any variant directly

Step 2 — Registration & Other Charges

State / UT of Registration

Registration Type

BH series suits serving personnel with frequent transfers.

Fuel (from variant)

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Engine (cc)

Taxable Value (₹)

Defaults to CSD price. Edit if invoice differs.

CSD Price (Depot / Ex-Showroom)

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Select a vehicle to load its CSD price

This is the CSD depot (ex-showroom) price from the July price list. It does not include road tax, registration, insurance or any other charge — see the other tabs.

Posting planner — BH series or normal registration?

List your likely postings. On normal registration, every move of more than 12 months means re-registering in the new state and paying its tax again, pro-rata for the car's remaining 15-year life — while the old state owes you a pro-rata refund you have to claim. BH series is paid 2 years at a time and never needs re-registering. BH is only for serving personnel.

Plan over (years)

8 years is the CSD gap before your next car.

Count the refund you can claim from the old state

Posting (state)

Years there

Own-damage and add-on rates are street rates, calibrated in Aug 2026 against a live insurer quote and a CSD agent quote on a ₹20 L SUV — not the old IMT tariff, which no insurer charges. Third party is the IRDAI figure; for a 3-year term it uses the separately notified 3-year single premium, not the annual rate times three. Add-on rates are per year and scale with the OD term. Every figure here is editable — if you have a real quote, put its numbers in. No Claim Bonus is nil in year one.

FASTag = one-time issuance + refundable security deposit + initial wallet top-up. Deposit and threshold amounts vary by issuing bank.

Your driving pattern

Expected km per month

City driving (%)

Highway driving (%)

30%

Fuel prices

Petrol (₹/litre)

Diesel (₹/litre)

CNG (₹/kg)

Electricity (₹/kWh)

Real-world adjustment on claimed mileage

City (% of claimed)

Highway (% of claimed)

Compare over (years)

Running cost — selected variant

Petrol vs diesel vs CNG — same model

Mileage figures are the manufacturers' claimed / ARAI-cycle numbers, adjusted by the percentages above — the lab cycle is optimistic, so city driving is discounted by default. Fuel rates are as on 14 Aug 2026; CNG rates for some states are approximate. Every figure here is editable. This compares fuel cost only — diesel cars typically also carry higher servicing and consumable costs.

TCS of 1% is collected by the seller on motor vehicles priced above ₹10 lakh (adjustable against your income tax). Depot handling, logistics and accessories are dealer/depot dependent — override with actual figures.

This is an estimate for planning. Confirm the final figure with your CSD depot / URC and the RTO of registration before making payment.

Cost of owning it — until your next CSD car

Keep it for (years)

Resale value at the end (% of CSD price)

Km per month

—

Set on the Running tab.

Generated by Fauji Wheels · CSD price list July 2026 (+ Sep 2026 update)

Estimated On-Road Cost

Total On-Road

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Select a vehicle

Approximate — verify the final amount with your CSD depot / URC, the RTO and your insurer.

Selected Vehicle

Nothing selected yet.

Loan / EMI

Quick EMI for this car's on-road price. For the full affordability check — weighed against your income, existing EMIs and running costs — see the Affordability tab at the top of the page.

On-road price (₹)

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Down payment (₹)

Interest rate (%/yr)

Bank rates

Tenure (years)

Eligibility — what your pay level lets you buy through CSD

The rules in full

The rule in force — with effect from 1 February 2024

The cap is on the price before GST — and that changes a lot

Which pay level am I?

Three grey areas — confirm with your URC

Electric cars

Widows, next of kin and civilians

How the purchase works

Documents usually asked for

Rules you may still see online — no longer in force

Affordability — what you can actually afford, and the loan math behind it

Saving vs Civil Market

Car-loan rates — where banks start

Guide — what the jargon actually means

Find by Feature — tell it what you want, it lists the variants

Compare Cars — side by side

Comparison

Step 1 — Select Your Vehicle

Step 2 — Registration & Other Charges

Estimated On-Road Cost

Selected Vehicle

Loan / EMI