State Wise PG Medical Bond and Stipend : Choosing the right PG medical seat in NEET PG 2026 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 2026 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.
State Wise PG Medical Bond and Stipend
Stipend Details Year Wise : State Wise Complete Details
| Institute | Stipend Year 1 | Stipend Year 2 | Stipend Year 3 |
|---|---|---|---|
| Andaman & Nicobar | ₹87,000 | ₹88,000 | ₹89,000 |
| Andhra Pradesh | ₹60,823 | ₹61,528 | ₹64,767 |
| Andhra Pradesh – SVIMS, Tirupathi | ₹96,951 | ₹99,722 | ₹1,02,493 |
| Assam | ₹55,200 | ₹56,925 | ₹58,650 |
| Assam – Lokopriya Gopinath BIMH | ₹1,04,346 | ₹1,07,508 | ₹1,10,670 |
| Assam – Dr.B.Borooah Cancer Institute | ₹1,05,840 | ₹1,08,360 | ₹1,12,140 |
| Bihar | ₹82,000 | ₹90,200 | ₹99,220 |
| Bihar – IGIMS Patna | ₹1,22,878 | ₹1,26,244 | ₹1,29,610 |
| Chandigarh | ₹1,09,926 | ₹1,13,088 | ₹1,16,250 |
| Chattisgarh | ₹67,500 | ₹71,450 | ₹74,600 |
| Goa | ₹80,000 | ₹85,000 | ₹90,000 |
| Gujarat | ₹1,00,800 | ₹1,02,480 | ₹1,05,000 |
| Haryana | ₹1,04,346 | ₹1,07,508 | ₹1,10,670 |
| Himachal Pradesh | ₹40,000 | ₹45,000 | ₹50,000 |
| Jharkhand | ₹54,500 | ₹58,500 | ₹63,000 |
| Jharkhand – RIMS, Ranchi | ₹1,00,770 | ₹1,03,660 | ₹1,06,550 |
| Jharkhand – CIP, Ranchi | ₹1,00,706 | ₹1,03,603 | ₹1,06,500 |
| Jammu & Kashmir | ₹63,240 | ₹66,960 | ₹70,680 |
| Jammu & Kashmir – Sher-I-Kashmir | ₹80,000 | ₹80,000 | ₹80,000 |
| Karnataka | ₹56,250 | ₹62,500 | ₹68,750 |
| Kerala | ₹57,876 | ₹58,968 | ₹60,060 |
| Madhya Pradesh | ₹75,444 | ₹77,764 | ₹80,086 |
| Maharashtra | ₹93,559 | ₹94,408 | ₹95,257 |
| Maharashtra – Tata Memorial / BARC | ₹1,05,840 | ₹1,08,360 | ₹1,12,140 |
| Maharashtra – AIIPMR, Mumbai | ₹1,15,506 | ₹1,18,668 | ₹1,21,830 |
| Manipur – Jawaharlal Nehru IMS, Imphal | ₹50,000 | ₹55,000 | ₹60,000 |
| Manipur – RIMS, Imphal | ₹1,09,926 | ₹1,13,088 | ₹1,16,250 |
| Meghalaya – NEIGRIHMS, Shillong | ₹1,25,000 | ₹1,29,000 | ₹1,33,000 |
| Odisha | ₹73,042 | ₹76,520 | ₹79,999 |
| Pondicherry – Indira Gandhi MCRI | ₹43,000 | ₹45,000 | ₹47,000 |
| Punjab | ₹76,000 | ₹77,000 | ₹78,000 |
| Rajasthan | ₹87,216 | ₹92,667 | ₹96,301 |
| Tamil Nadu | ₹54,025 | ₹55,149 | ₹56,275 |
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Bond Details :State Wise Bond Duration & Penalty
| Institute | Bond (Years) | Penalty |
|---|---|---|
| Andaman & Nicobar | 1 | ₹10,00,000 |
| Andhra Pradesh | AIQ : No Bond SQ : 1 |
AIQ: ₹0 S.Q: ₹40,00,000 |
| Andhra Pradesh – SVIMS, Tirupathi | 1 | ₹40,00,000 |
| Assam | 2 | ₹20,00,000 |
| Assam – Lokopriya Gopinath BIMH | 2 | ₹5,00,000 |
| Assam – Dr.B.Borooah Cancer Institute | 1 | ₹25,00,000 |
| Bihar | 2 | ₹25,00,000 |
| Bihar – IGIMS Patna | 0 | ₹0 |
| Chandigarh | 0 | ₹0 |
| Chattisgarh | 2 | ₹50,00,000 (Gen) ₹40,00,000 (Reserved) |
| Goa | 1 | ₹50,00,000 |
| Gujarat | 1 | ₹40,00,000 |
| Haryana | 0 | ₹0 |
| Himachal Pradesh | 2 | ₹40,00,000 |
| Jharkhand | 3 | ₹30,00,000 |
| Jharkhand – RIMS, Ranchi | 3 | ₹30,00,000 |
| Jharkhand – CIP, Ranchi | 0 | ₹0 |
| Jammu & Kashmir | 0 | ₹0 |
| Jammu & Kashmir – Sher-I-Kashmir | 0 | ₹0 |
| Karnataka | 1 | ₹50,00,000 |
| Kerala | 1 | ₹50,00,000 |
| Madhya Pradesh | 1 | ₹10,00,000 |
| Maharashtra | 1 | ₹50,00,000 |
| Maharashtra – Tata Memorial / BARC | 1 | ₹25,00,000 |
| Maharashtra – AIIPMR, Mumbai | 0 | ₹0 |
| Manipur – Jawaharlal Nehru IMS, Imphal | 0 | ₹0 |
| Manipur – RIMS, Imphal | 1 | ₹20,00,000 |
| Meghalaya – NEIGRIHMS, Shillong | 0 | ₹0 |
| Odisha | 2 | ₹55,09,464 |
| Pondicherry – Indira Gandhi MCRI | 0 | ₹0 |
| Punjab | AIQ : 2 SQ : 3 |
AIQ: ₹20,00,000 S.Q: ₹30,00,000 |
| Rajasthan | 2 | Clinical: ₹1,50,00,000 Non Clinical: ₹50,00,000 |
| Tamil Nadu | 2 | ₹40,00,000 |
| Telangana – NIMS, Hyderabad | 1 | ₹20,00,000 |
| Telangana | 1 | ₹10,00,000 |
| Tripura – Agartala GMC | 1 | ₹50,00,000 |
| Uttar Pradesh | 2 | ₹40,00,000 |
| Uttar Pradesh – KGMU Lucknow | 2 | ₹40,00,000 |
| Uttar Pradesh – RML Lucknow | 2 | ₹40,00,000 |
| Uttarakhand | 2 | ₹2,50,00,000 |
| West Bengal | 3 | ₹30,00,000 |
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Seat Leaving Penalty :State Wise Details
| Institute | Seat Leaving Penalty |
|---|---|
| Andaman & Nicobar | Rs. 10 Lakhs. |
| Andhra Pradesh | 3 Lakhs + 18% GST + Stipend received + 3 years debarment |
| Andhra Pradesh – SVIMS, Tirupathi | Rs. 5 Lakhs + 18% GST + Stipend received + 3 years debarment |
| Assam | Rs. 10 Lakhs + Stipend Received |
| Assam – Lokopriya Gopinath BIMH | Rs. 5 Lakhs |
| Assam – Dr.B.Borooah Cancer Institute | Rs. 10 Lakhs + GST |
| Bihar | 15 Lakhs + Stipend received |
| Bihar – IGIMS Patna | 15 Lakhs + Tuition Fee of whole course |
| Chandigarh | 5 Lakhs |
| Chattisgarh | ₹25,00,000 (Gen) ₹20,00,000 (Reserved) |
| Goa | 50 Lakhs |
| Gujarat | 5 Lakhs + 20 Lakhs |
| Haryana | Rs. 10 Lakhs + 3 Years Debarment |
| Himachal Pradesh | 10 Lakhs |
| Jharkhand – MGM Medical College, Jamshedpur | 30 Lakhs + Stipend paid |
| Jharkhand – RIMS, Ranchi | 30 Lakhs + Stipend paid |
| Jharkhand – CIP, Ranchi | 1 month – 10000 1 year – 50000 2nd or 3rd year – 1 lakh |
| Jammu & Kashmir | Rs. 10 Lakhs + Stipend Received |
| Jammu & Kashmir – Sher-I-Kashmir | Within One year – Rs. 50,000 After One Year – Rs. 1 Lakhs |
| Karnataka | Rs. 10 Lakhs + Stipend Received + 3 years debarment |
| Kerala | 50 Lakhs + Stipend Received + Amount spent by Govt. |
| Madhya Pradesh | Rs. 30 Lakhs |
| Maharashtra | 20 Lakhs |
| Maharashtra – Tata Memorial / BARC | 10 Lakhs |
| Maharashtra – AIIPMR, Mumbai | 20 Lakhs |
| Manipur – Jawaharlal Nehru IMS, Imphal | Year 1 – 3 Lakhs Year 2 and beyond – 7 Lakhs |
| Manipur – RIMS, Imphal | Year 1 – 3 Lakhs Year 2 and beyond – 7 Lakhs 2 years debarment applicable for all. |
| Meghalaya – NEIGRIHMS, Shillong | Exit 1st yr – 10 Lakhs 2nd yr – 15 lakhs 3rd yr – 20 Lakhs |
| Odisha | 10 Lakhs + Stipend paid |
| Pondicherry – Indira Gandhi MCRI | Rs. 10 Lakhs |
| Punjab | Rs. 20 Lakhs |
| Rajasthan | 10 Lakhs (Surety bond of Rs. 10 lakhs to be provided at the time of R1 joining) Later during second round if admitted – Rs. 1.5 Lakhs Bank guarantee + Rs. 8.5 Lakhs surety bond to be provided. |
| Tamil Nadu | Rs. 15 Lakhs + Stipend Received |
| Telangana – NIMS, Hyderabad | 20 Lakhs |
| Telangana | Rs. 50 Lakhs + Stipend Received |
| Tripura – Agartala GMC | Rs. 25 Lakhs |
| Uttar Pradesh | 0 |
| Uttar Pradesh – KGMU Lucknow | 0 |
| Uttar Pradesh – RML Lucknow | 0 |
| Uttarakhand | 15 Lakhs (5 lakhs p.a.) plus interest |
| West Bengal | Degree – 5 Lakh / Diploma – 2 Lakhs |
NEET PG Bond, Penalty & Stipend – Frequently Asked Questions (2026)
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 2026?
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 2026?
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 ₹1.32 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, Delhi, 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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