State Wise PG Medical Bond and Stipend : Choosing the right PG medical seat in NEET PG 2025 isn’t just about rank and speciality preference — bond and stipend rules vary widely across states and can significantly impact your decision. While some states offer attractive stipends with minimal or no bond, others have long service obligations or hefty penalty amounts if you choose not to serve. This comprehensive guide brings you the latest 2025 state-wise PG medical bond duration, penalty clauses, and stipend details for both MD/MS and DNB courses, helping you plan your postgraduate journey with clarity and confidence.
Upcoming Event
| NEET PG Admit Card Date | 31June 2025 |
| NEET PG Exam Date | 03 August 2025 |
| NEET PG Result Date | By 03 September 2025 |
If you’re preparing for NEET PG Counselling 2025, understanding the bond, penalty, and stipend rules for each state and institute is crucial before making your choice. Service bonds can range from no obligation in institutions like GMC Chandigarh and Delhi University to as high as ₹2.5 crores in Uttarakhand for subsidized seats. Penalty amounts, duration of service, and stipend payouts vary widely — with some states like Telangana (NIMS Hyderabad) offering over ₹1.26 lakh/month, while others like Pondicherry start at around ₹43,000/month. Knowing these details in advance helps you plan financially and make informed decisions during seat allotment, avoiding surprises after admission.
State Wise PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| Andhra Pradesh – State | AIQ : 0/0 SQ : 1/40,00,000 | 3 Lakhs + 18% GST + Stipend received & 3 years debarment in Andhra Colleges | ₹60,823 | ₹61,528 | ₹64,767 |
| Andhra Pradesh – SVIMS, Tirupathi | 1 year / 20 Lakhs | 5 Lakhs+ 18% GST + Stipend received | ₹80,904 | ₹83,216 | ₹85,228 |
| Assam – State | 2 years – 20 lakhs | 20 Lakhs | ₹55,200 | ₹56,925 | ₹58,650 |
| Assam – Lokopriya Gopinath BIMH | 2 to 3 yrs / 5 lakhs | 5 lakhs | ₹1,00,800 | ₹1,03,200 | 1,06,800 |
| Assam – Dr.B.Borooah Cancer Institute | 1 yr 10 lakhs | 10 lakhs | ₹1,00,980 | ₹1,04,040 | ₹1,07,100 |
| Bihar – State | 3 years / 25 Lakhs + Stipend received | 15 Lakhs + Stipend received | ₹82,000 | ₹90,200 | ₹99,220 |
| Bihar – IGIMS Patna | No bond | 15 Lakhs + Tuition Fee of whole course | ₹1,05,000 | ₹1,08,000 | ₹1,10,000 |
| Chandigarh – GMC Chandigarh | No bond | 5 Lakhs | ₹1,07,000 | ₹1,07,000 | ₹1,07,000 |
State Wise PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| Chattisgarh – State | 2 years / 50 Lakhs for GEN & 40 Lakhs for others | Clinical/Paraclinical-50 Lakhs for GEN/40 Lakhs for Others Pre clinical – 20 lakhs for GEN / 15 lakhs for others | ₹67,500 | ₹71,450 | ₹74,600 |
| Goa – Goa Medical College, Panaji | 1 year / 50 Lakhs | 50 Lakhs | ₹60,000 | ₹62,500 | ₹65,000 |
| Gujarat – State | 1yr / 40 Lakhs | 5 Lakhs + 20 Lakhs | ₹1,00,800 | ₹1,02,480 | ₹1,05,000 |
| Haryana – State | No bond | 7.5 Lakhs | ₹1,00,980 | ₹1,04,040 | ₹1,07,100 |
| Himachal Pradesh – State | 2 years / 40 Lakhs / No bond if no stipend | 10 Lakhs | ₹40,000 | ₹45,000 | ₹50,000 |
| Jharkhand – MGM Medical College, Jamshedpur | 3 years / 30 lakhs + Stipend | 30 Lakhs + Stipend paid | ₹54,500 | ₹58,500 | ₹63,000 |
| Jharkhand – RIMS, Ranchi | 3 years / 30 lakhs + Stipend | 30 Lakhs + Stipend paid | ₹1,00,770 | ₹1,03,660 | ₹1,06,550 |
| Jharkhand – CIP, Ranchi | No Bond | 1 month – 10000 1 year – 50000 2nd or 3rd year – 1 lakh | ₹54,500 | ₹58,500 | ₹63,000 |
| Karnataka – State | 3 yrs / 50 Lakhs (1 year rural service implemented) | Degree – 5 Lakhs + Stipend Diploma – 2.5 Lakhs + Stipend | ₹56,250 | ₹62,500 | ₹68,750 |
State Wise PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| Kerala – State | 1 year / 50 Lakhs + Stipend Received + Amount spent by Govt. on studies | 50 Lakhs + Stipend Received + Amount spent by Govt. | ₹57,876 | ₹58,968 | ₹60,060 |
| Madhya Pradesh – State | 1 yr / 10 lakhs | 10 Lakhs | ₹75,444 | ₹77,764 | ₹80,086 |
| Maharashtra – State | 1 / 50 Lakhs | 20 Lakhs | ₹92,522 | ₹93,337 | ₹94,151 |
| Maharashtra – MGIMS Wardha | 1 / 50 Lakhs | 20 Lakhs | ₹89,698 | ₹90,489 | ₹91,279 |
| Maharashtra – Tata Memorial / BARC | 1 year / 25 Lakhs | 10 Lakhs | ₹1,00,800 | ₹1,03,200 | ₹1,06,800 |
| Maharashtra – AIIPMR, Mumbai | No Bond | 20 Lakhs | ₹1,08,799 | ₹1,14,840 | ₹1,17,900 |
| Manipur – Jawaharlal Nehru IMS, Imphal | 1 year/ 20 lakhs (For Clinical and Community Medicine) | Year 1 – 3 Lakhs; Year 2 and beyond – 4 Lakhs | ₹50,000 | ₹55,000 | ₹60,000 |
| Manipur – RIMS, Imphal | No Bond | Rs.3,00,000 or Rs. 7,00,000 subject to length of study before resignation + Stipend received | ₹1,06,380 | ₹1,09,440 | ₹1,12,500 |
| Meghalaya – NEIGRIHMS, Shillong | No Bond | Exit 1st yr – 10 Lakhs / 2nd yr – 15 lakhs / 3rd yr – 20 Lakhs | ₹96,000 | ₹1,00,000 | ₹1,04,000 |
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State Wise PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| Odisha – State | 2 years / Double the amount of salary or stipend received | 10 Lakhs + Stipend paid | ₹70,686 | ₹74,052 | ₹77,418 |
| Pondicherry – Indira Gandhi MCRI | 3 years / 10 lakhs | 3 years / 10 lakhs | ₹43,000 | ₹45,000 | ₹47,000 |
| Punjab – State | 1 yr – 10 Lakhs (AIQ) / 2 yrs – 15 lakhs (SQ) | 10 Lakhs | ₹67,968 | ₹67,968 | ₹67,968 |
| Rajasthan – State | 2 years; Degree – 25 Lakhs / Diploma – 5 lakhs | 5 Lakhs (includes 1.5 lakhs bank guarantee) | ₹82,800 | ₹87,975 | ₹91,425 |
| Tamil Nadu – State | 2 yrs; Degree – 40 Lakhs / Diploma – 20 Lakhs | Degree – 15 lakhs / Diploma – 10 lakhs + Stipend received | ₹52,451 | ₹53,544 | ₹54,636 |
| Telangana – NIMS, Hyderabad | 1 yr / 20 Lakhs (Degree) + Stipend paid | 20 Lakhs | ₹1,26,927 | ₹1,26,927 | ₹1,26,927 |
| Telangana – State | 1 yr / 20 Lakhs (Degree) or 10 Lakhs (Diploma) + Stipend paid | 20 Lakhs | ₹58,289 | ₹61,528 | ₹64,767 |
| Tripura – Agartala GMC | Degree – 3 yrs / 50 lakhs; Pre/Para Clinical Degree – 35 lakhs; Diploma – 10 lakhs | 35 Lakhs – Clinical Degree / 25 lakhs – Pre/Para Clinical Degree | ₹55,200 | ₹56,925 | ₹58,650 |
State Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend DetailsState Wise NEET PG Bond and Stipend Details
State Wise PG Medical Bond and StipendState Wise PG Medical Bond and StipendState Wise PG Medical Bond and StipendState Wise PG Medical Bond and StipendState Wise PG Medical Bond and StipendState Wise PG Medical Bond and StipendState Wise PG Medical Bond and Stipend
State Wise PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| Uttar Pradesh – State | 2 years/40 Lakhs | — | ₹1,00,980 | ₹1,04,040 | ₹1,07,100 |
| Uttar Pradesh – KGMU Lucknow | 2 years/40 Lakhs | — | ₹1,09,955 | ₹1,12,994 | ₹1,16,034 |
| Uttar Pradesh – RML Lucknow | 2 years/40 Lakhs | — | ₹1,08,672 | ₹1,11,664 | ₹1,14,656 |
| Uttar Pradesh – IMS, BHU | No bond | 15 Lakhs – Diploma | ₹1,00,706 | ₹1,03,000 | ₹1,05,000 |
| Uttar Pradesh – JNU MC, Aligarh (AMU) | No bond | 8 Lakhs + Stipend | ₹1,08,000 | ₹1,11,000 | ₹1,14,000 |
| Uttarakhand – GMC Haldwani | 2 yr / 2.5 crores (No bond if unsubsidized) | 15 Lakhs (5 lakhs p.a.) plus interest | ₹71,257 | ₹71,257 | ₹71,257 |
| West Bengal – State | Degree – 3 yrs / 30 Lakhs; Diploma – 2 yrs / 20 Lakhs | Degree – 5 Lakh / Diploma – 2 Lakhs | ₹49,884 | ₹53,722 | ₹57,559 |
| Jammu & Kashmir – State | No Bond | — | ₹59,500 | ₹63,000 | ₹66,500 |
| Jammu & Kashmir – Sher-I-Kashmir | No Bond | — | ₹82,000 | ₹85,000 | ₹88,000 |
ESIC Medical College PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| ESIC Delhi | 2 years/ 10 lakhs | 10 Lakhs | ₹1,15,000 | ₹1,18,000 | ₹1,21,000 |
| ESIC Chennai | 2 years/ 10 lakhs | 10 Lakhs | ₹1,11,780 | ₹1,11,780 | ₹1,11,780 |
| ESIC Bangalore | 2 years/ 10 lakhs | 10 Lakhs | ₹1,11,780 | ₹1,11,780 | ₹1,11,780 |
| ESIC Hyderabad | 2 years/ 10 lakhs | 10 Lakhs | ₹1,26,927 | ₹1,26,927 | ₹1,26,927 |
| ESIC Joka Kolkata | 2 years/ 10 lakhs | 10 Lakhs | ₹1,00,980 | ₹1,00,980 | ₹1,00,980 |
| ESIC Faridabad | 2 years/ 10 lakhs | 10 Lakhs | ₹1,15,853 | ₹1,19,209 | ₹1,22,565 |
| ESIC Gulbarga | 2 years/ 10 lakhs | 10 Lakhs | ₹1,11,780 | ₹1,11,780 | ₹1,11,780 |
Central University & IPU PG Medical Bond and Stipend
| Institute | Bond | Penalty | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|---|---|
| IP Univ Institutes (VMMC, PGIMER Delhi) | No Bond | 3 Lakhs | ₹1,20,965 | ₹1,24,321 | ₹1,27,677 |
| Delhi University Institutes | No Bond | 10 lakhs | ₹1,26,927 | ₹1,30,446 | ₹1,33,965 |
| ESI, New Delhi | 2 years 10 lakhs | 10 Lakhs | ₹1,15,000 | ₹1,18,000 | ₹1,21,000 |
| JLN Medical College, AMU | No Bond | 8 Lakhs | ₹1,08,000 | ₹1,11,000 | ₹1,14,000 |
| IMS, BHU | No Bond | 5 Lakhs | ₹1,00,706 | ₹1,03,000 | ₹1,05,000 |
NEET PG Bond, Penalty & Stipend – Frequently Asked Questions (2025)
1. What is a bond in NEET PG medical admissions?
A bond in NEET PG refers to a legal agreement that requires a postgraduate medical student to serve in a government or designated institution for a specific number of years after completing their course. If the candidate does not fulfill this service obligation, they must pay a penalty amount to the state or institution as mentioned in the bond.
2. Which states have the highest NEET PG bond penalty in 2025?
Uttarakhand’s GMC Haldwani has one of the highest penalties — ₹2.5 crores for subsidized seats if the service bond is not completed. Other high-penalty states include Tripura (₹50 lakhs for a clinical degree) and Chhattisgarh (₹50 lakhs for General category in clinical subjects).
3. Are there any states or institutes with no bond for NEET PG?
Yes, some institutions do not have a bond requirement, such as GMC Chandigarh, IGIMS Patna, Delhi University Institutes, VMMC (IP University), IMS BHU, AMU JNMC, and Sher-I-Kashmir.
4. How much stipend is paid to NEET PG residents in India in 2025?
Stipends vary widely by state and year of study. The highest stipends are offered by Telangana NIMS Hyderabad and Delhi University Institutes, where Year-1 stipend can exceed ₹1.26 lakh/month. The lowest stipends are in states like Himachal Pradesh (₹40,000/month in Year 1) and Pondicherry (₹43,000/month in Year 1).
5. Is GST charged on NEET PG bond penalty amounts?
Yes, in some states like Andhra Pradesh and SVIMS Tirupati, GST at 18% is added to the penalty amount, along with repayment of the stipend received.
6. Do private medical colleges have a service bond?
Most service bond requirements apply to government medical colleges and some centrally funded institutes. Private colleges usually do not have compulsory government service bonds but may have separate institutional policies.
7. Which state has the shortest NEET PG bond duration?
Several states have 1-year bonds, such as Goa Medical College, Maharashtra State, SVIMS Tirupati, and Madhya Pradesh. Some even have no bond at all.
8. Can the bond penalty be waived?
Bond penalties are rarely waived. However, certain exemptions can apply for candidates with medical conditions, policy changes, or in cases where the state fails to provide a service posting.
9. What is the difference between AIQ and State Quota bond rules?
In some states, bond conditions differ for All India Quota (AIQ) and State Quota (SQ) candidates. For example, in Andhra Pradesh, AIQ has no bond, while SQ candidates have a 1-year/₹40 lakh penalty clause.
10. How is the bond enforced after NEET PG?
After completing PG studies, candidates receive an appointment for compulsory service. If they do not join or leave early, the state or institute can legally demand payment of the bond amount, sometimes along with interest and stipend recovery.
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