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CSD is striving hard to provide the best possible svcs, through its HP facility to pers of Armed Forces. HP facility encompasses provision of house hold/elect items, Motor Cycles and Car/Tractors on soft terms/conditions bank/leasing agencies. It is envisaged that our Armed Forces persons are fin very hard pressed on the eve of marriage of their children or on constr/renovation of their houses. Hence there is a need to facilitate them in buying (Jahez items) for children marriages and household items for furnishing/re-furbishing of their homes. CSD Mgmt has introduced the Home Comfort Package for the well of all ranks of the Armed Forces to meet their reqs.

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    TERMS AND CONDITIONS/ STANDING OPERATING PROCEDURES

    (SOP) CANTEEN STORES DEPARTMENT (CSD)

    HOME COMFORT PACKAGE HP SCHEME

     

    1. CSD is striving hard to provide the best possible svcs, through its HP facility to pers of Armed Forces. HP facility encompasses provision of house hold/elect items, Motor Cycles and Car/Tractors on soft terms/conditions bank/leasing agencies. It is envisaged that our Armed Forces pers are fin very hardpressed on the eve of marriage of their children or on constr/renovation of their houses. Hence there is a need to facilitate them in buying (Jahez items) for children marriages and household items for furnishing/re-furbishing of their homes. CSD Mgmt has introduced the Home Comfort Package for the wel of all ranks of the Armed Forces to meet their reqs. The Package will incl:-

     

    1. All elect items incl Lap top and Cell Phones.
    2. Generators/UPS.
    3. Carpet/Cushions/Curtains
    4. Furniture
    5. Ornaments
    6. Motorcycle. Offrs can get two motorcycles and JCOs/NCOs/Sldrs can get one motorcycle only.
    7. Fol household items:-
      • Crockery
      • Cooking Utensils.
      • Geysers, Cooking range etc.
    1. Eligibility All Armed Forces pers incl Civs Paid Out of Def Budget/Min of Def, fulfilling fol criteria:-
    1. The applicant should have a min of five (5) years svc less offrs.
    2. Should have min of three (3) years of bal svc.
    3. CO/OC will be resp for timely payment of CSD dues.
    4. Surety will be given by a uniform pers of unit/estb, of the same rank or higher.
    5. Purchase limit upto 15x gross salaries.
    6. In case of NCB his offrs concerned and surety will be responsible for payment of CSD dues.
    1. Entitlement/Auth of Home Comfort Package. Cat/range of packages is given below. However, Cost of package will be counted in lump sump against any customer i.e, if a customer falling into Cat-III of the package, has already purchased some items e.g. amounting to Rs 2,00,000 and has paid 1,00,000 and then his bal amount of Rs. 1,00,000 will be subtracted from his entitlement and he will be eligible to purchases upto Rs.2,00,000 only and so on (excl mk up).
    1. Home Comfort Package I - Lt Col and above - Upto 2.0 M
    2. Home Comfort Package II - Offrs, JCOs & Hav - Upto 1.0 M
    3. Home Comfort Package III - All ranks - Upto 0.3 M
    4. Waiver for upto addl 10% may be allowed by DHP. Beyond that waiver will be gtd by MD CSD.

     

    1. Demand Procedure. HP customer will apply for Home Comfort Package on same Application Form alongwith quotation (where items will be LP) being used, either through HPBCs or HO CSD. Home comfort Package will be approved on the fol terms and conditions:-
      1. HP customers can aval subj package according to their purchase limit.
      2. All items other than CSD ASL will be issued through LP, as per procedure in vogue.
      3. CSD is already dealing with electronic items through HP Scheme. However, customers can purchase more than one item incl LP, under single item code of Home Comfort Package.
      4. A cheque for amount of LP will be issued by F & A Div, Head Office CSD in the name of customer and remaining amount will be adjusted on acct of Cash Sale against, all items issued by HPBCs CSD.
      5. LP shall not exceed 40% of the total HP cost of purchased items. Purchases of remaining 60% will be made from ASL of CSD.
      6. Customer will provide quotation of items for LP initially with the HP Application Form.
      7. After issue of items customer will be bound to provide original sale invoice to the Mgr HPBC.
    2. Time Line. Cases will be processed and items will be issued within one week of receiving the subj application.

     

    1. Accounting System. This is a new scheme of its kind and no proper accounting system exists to meet its reqs. Therefore, there is a need to devise a new system under which all cats of items can be accounted for under one head i.e. Home Comfort Package. The Present Cats are:-
      1. M/Cycles
      2. Gen Items
      3. LP
    2. A sys to acct for all cats under one head will be devised as under:-
      1. A new acct for Home Comfort Package be opened and a new code altd as a separate entity.
      2. The items req out of ASL be tfr from respective acct of HPBC to Home Comfort Package acct.
      3. The mark up will be applied on the total cost, so calc.
      4. The outcome of this will be the total HP price of the package on which the down payment and instls will be calc.
      5. Down Payment options will be as under:- (1) 15% of total cost.
        • 20% of total cost.
        • 30% upto 60% of total cost in the similar manner.
      6. Time pd of payment will be from 1 to 5 Years.
      7. One credit note will be printed for the complete list of items incl in a package.
      8. LP will not exceed 40% of the total price of package.
      9. Separate stock sheets will be prep for these items, by concerned HPBCs.

     

    1. The new accounting sys will also need to be dovetailed by comm Div sys of accounting, for all purposes.

     

    1. Vetting/Signing of Application. After filling of the Application alongwith addl form by applicant, the same will be further vetted and signed as fol:-

     

    1. Applicants Serving in Fmn HQ/Unit. CO/OC and designated Grade I/II SO in case of Fmn HQ.
    2. Applicants Serving in Corps/Comd HQ or Equivalent Orgs. Desg

    Grade-I SO of the HQ.

    1. Applicant Serving in GHQ, AHQ, NHQ, JSHQ, and Other Indep

    Orgs. Designated Grade-I SO of the Branch/ Dte/ Org.

    1. Applicants Serving in Orgs, Headed by Civs. Designated SO (Grade-19 or above).

    Mjd Offrs and JCOs

    • Applications will be personally signed by the CO. However,

    application of the CO will be signed by Comd of concerned Fmn HQ/ designated SO.

    • In case of nucleus staff of deactivated Mjd Bns, the application will be signed by designated SO of the affiliated Fmn HQ in place of CO which will then be routed through NG Dte for endorsement after scrutiny as to gd against default/ recovery.

    Offrs Serving in Frontier Corps and Pakistan Rangers.

    Designated Grade I, SO of the HQ/Unit will sign the applications.

    1. In case of NCB, concerned offrs will sign as his surety and will be resp for payment of complete dues of CSD.
    2. CSD emps are also entitled to aval this facility as per already existing SOPs.

     

    1. Implementation. In First Phase, the package will be offered at HPBC CSD Rwp. Receiving of applications will start wef 11 Jan 2018. After seeing the response, subsequently, this facility will be extended to fol HPBCs in 2nd Phase and in remaining HPBCs, in third Phase:-

     

    1. HPBC CSD Lahore
    2. HPBC CSD Multan
    3. HPBC CSD Karachi
    4. HPBC CSD Peshawar

     

    1. Payment Schedule The details of HP price, down payment and monthly instls, will be made as fol:-

     

    1. Down Payment Down Payment will be deposited with all designated branches of HBL, MCB, Askari Bank & Faisal Bank in CSD General Acct. Customized Deposit Slips are already aval with all designated bank branches.
    2. Monthly Instls
      • Monthly instls will co

    mmence wef fol month of issue of package from HPBC. Instls shall be paid by 10th of each month, in CSD acct.

    • HP member will be entirely resp for deposit of monthly instls in the auth bank, in time.
    • On delayed payment of instls, surcharge at the rate of 1.5% pm of the due amount or as fixed by the CSD Mgmt from time to time, will be charged.