Medical Bond & Stipend Guide 2026
The definitive state-wise comparison for UG and PG medical aspirants.
“Before you lock in your college preferences, remember that the true cost of an MBBS or PG seat isn’t just the tuition—it’s the hidden years of service and the multi-lakh penalties waiting at the finish line.”
UG (MBBS) Bond & Internship Comparison
| State | Internship Stipend/month | Service Bond | Penalty Amount |
|---|---|---|---|
| West Bengal | ₹30,000 | No Mandatory Bond | ₹1L (Discontinuation only) |
| Karnataka | ₹60,000 | 1 Year Rural | ₹15,00,000 |
| Delhi | ₹23,000 | 1 Year JR (NEW) | ₹15,00,000 |
| Odisha | ₹20,000 | 2 Years | ₹25,00,000 |
| Gujarat | ₹21,000 | 1 Year Rural | ₹20,00,000 |
| Punjab | ₹22,000 | 2 Years (State) | ₹20,00,000 |
| Bihar | ₹12,000 | No Mandatory Bond | ₹30,00,000(Discontinuation only) |
| Maharashtra | ₹18,000 | 1 Year Rural | ₹10,00,000 |
| Tamil Nadu | ₹15k – ₹20k | 5 Years Rural | ₹5,00,000 |
| Rajasthan | ₹14,000 | 2 Years | ₹5,00,000 |
| Kerala | ₹20,000 | No Mandatory Bond | ₹10,00,000(Discontinuation only) |
PG (MD/MS) Bond & Stipend Comparison
| State | Monthly Stipend | Service Period | Penalty Amount |
|---|---|---|---|
| Gujarat | ₹1,08,000 | 3 Years | ₹40,00,000 |
| Rajasthan | ₹74,000 | 2 Years | ₹1.5 Cr |
| Uttar Pradesh | ₹90,000 | 2 Years | ₹40,00,000 |
| Delhi | ₹70k – ₹88k | 1 Year | ₹20,00,000 |
| Maharashtra | ₹68k – ₹82k | 1 Year | ₹50,00,000 |
| Kerala | ₹55k – ₹85k | 1 Year | ₹50,00,000 |
| West Bengal | ₹48,000 | 3 Years | ₹30,00,000 |
| Andhra Pradesh | ₹50,000 | 1 Year | ₹40L + GST |
Frequently Asked Questions (FAQs)
1. What is a “Service Bond”?
It is a legal agreement to work in government-designated hospitals for a set period after graduation or pay a financial penalty to opt out.
2. Can I skip rural service?
Yes, you can bypass the service requirement by paying the specified penalty amount to the state government.
3. Do all states have MBBS bonds?
No, states like West Bengal and Bihar do not mandate post-MBBS service, requiring penalties only for course discontinuation.
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