The NEET PG stipend plays an important role for postgraduate medical students during their residency. It helps them manage daily expenses while handling studies, hospital duties, and patient care. The stipend is not uniform across the country – it varies by state, institution, and even by quota (AIQ vs State Quota). These differences influence a student’s choice of state during counselling, so understanding stipend, bond, and penalty details together helps in making a well-informed residency decision.
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What is a Stipend in NEET PG?
A stipend in NEET PG is the monthly financial support provided to postgraduate medical students (residents) during their residency in government or recognized medical colleges. It functions both as compensation for their clinical service in hospitals and as support for living expenses during the training period.
Why Does the Stipend Exist?
- NEET PG students work as resident doctors while studying, so they contribute directly to patient care.
- The stipend compensates for hospital duties, including emergencies, on-call shifts, and surgeries.
- It helps cover living expenses like food, accommodation, travel, and study material.
- Medical education is a long and expensive journey, so the stipend offers financial relief during training.
- It recognizes the effort and service of doctors-in-training in government hospitals.
- It allows residents to focus on learning and patient care without major financial stress.
Read Also: State-wise Bond For NEET PG 2026: Amount, Stipend, Penalty, Duration etc.
How is the NEET PG Stipend Calculated and Paid?
- Disbursed monthly by the college/hospital administration, usually credited directly to the resident’s bank account after the joining formalities are completed.
- Increases year-on-year in most states – a resident typically gets a higher amount in the 2nd year than the 1st, and the highest in the 3rd year, reflecting increasing clinical responsibility.
- Some states (e.g., Goa, Punjab) keep the stipend fixed across all three years instead of a graded increase.
- Deductions may apply for provident fund, professional tax, or hostel/mess charges, depending on the institute, so the in-hand amount can be slightly lower than the notified figure.
- Central institutes and autonomous bodies (AIIMS-pattern institutes, Tata Memorial, NEIGRIHMS, etc.) generally follow their own pay matrix, which is usually higher than standard state government stipends.
State-Wise & College-Wise Stipend, Bond & Penalty Details for NEET PG 2026
In this section, we provide the state-wise & college-wise stipend, bond & penalty details for 2026.
Join NEET PG News 2026 | State | Institute Name | Fees | Bond years | Bond Penalty | Stipend ( Year1) |
| Andhra Pradesh | Andhra Medical College, Visakhapatnam | ₹38,875 | 0 | ₹0 | ₹50,686 |
| Andhra Pradesh | GMC, Ananthapuram | ₹38,875 | 0 | ₹0 | ₹50,686 |
| Andhra Pradesh | Guntur Medical College | ₹38,875 | 0 | ₹0 | ₹50,686 |
| Assam | Assam Medical College, Dibrugarh | ₹25L | 10 | ₹20L | ₹48,000 |
| Assam | Gauhati Medical College, Guwahati | ₹25L | 10 | ₹20L | ₹48,000 |
| Bihar | Patna Medical College, Patna | ₹0 | 3 | ₹25L | ₹69,115 |
| Bihar | IGIMS, Patna | ₹1.20L | 0 | ₹0 | ₹80,000 |
| Chandigarh | GMC Chandigarh | ₹22L | 0 | ₹0 | ₹63,630 |
| Chhattisgarh | Pt. J.N.M Medical College, Raipur | ₹20L | 2 | ₹50L | ₹53,550 |
| Delhi | Maulana Azad Medical College | ₹15,600 | 0 | ₹0 | ₹1,20,535 |
| Delhi | VMMC & Safdarjung Hospital | ₹30L | 0 | ₹0 | ₹1,20,538 |
| Goa | Goa Medical College, Panaji | ₹55,400 | 1 | ₹50L | ₹60,000 |
| Gujarat | B.J. Medical College, Ahmedabad | ₹30L | 0 | ₹0 | ₹84,000 |
| Haryana | PGIMS Rohtak | ₹1.25L | 0 | ₹0 | ₹86,170 |
| Himachal Pradesh | IGMC Shimla | ₹31,500 | 2 | ₹40L | ₹40,000 |
| Karnataka | Bangalore Medical College & Research Institute | ₹1.13L | 3 | ₹50L | ₹45,000 |
| Kerala | GMC Kozhikode | ₹63L | 1 | ₹50L | ₹55,120 |
| Madhya Pradesh | Gandhi Medical College, Bhopal | ₹1L | 1 | ₹10L | ₹69,115 |
| Maharashtra | Seth GS Medical College, Mumbai | ₹1.04L | 1 | ₹50L | ₹77,869 |
| Odisha | SCB Medical College, Cuttack | ₹35L | 2 | ₹40L | ₹65,031 |
| Punjab | GMC Patiala | ₹1.25L | 1 | ₹10L | ₹67,968 |
| Rajasthan | SMS Medical College, Jaipur | ₹5L | 5 | ₹25L | ₹77,500 |
| Tamil Nadu | Madras Medical College | ₹30L | 2 | ₹40L | ₹48,000 |
| Telangana | Osmania Medical College, Hyderabad | ₹10L | 1 | ₹20L | ₹50,686 |
| Uttar Pradesh | King George Medical University, Lucknow | ₹40L | 2 | ₹40L | ₹1,10,000 |
| Uttarakhand | GMC Haldwani | ₹60L | 2 | ₹2.5Cr | ₹76,600 |
| West Bengal | Medical College Kolkata | ₹12L | 3 | ₹30L | ₹46,383 |
Stipend Details Year-wise: State-wise Complete Details
Medical postgraduate education in India involves significant financial considerations, and the stipend offered by different states and institutes can vary considerably. Understanding the year-wise stipend is important for students while comparing colleges and planning their finances during residency.
The stipend generally increases from Year 1 to Year 2 and Year 3, although the exact amount depends on the state, institution, and applicable government rules.
| 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 – Lokpriya 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 |
| Chhattisgarh | ₹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 |
State-Wise Bond Duration & Penalty
Bond obligation and stipend go hand in hand while shortlisting a state – a higher stipend can come attached with a longer service bond or steeper penalty.
| State / Institute | Bond (Years) | Penalty |
| Andhra Pradesh | AIQ: No bond / SQ: 1 | AIQ ₹0 / SQ ₹40L |
| Assam | 2 | ₹20L |
| Bihar | 2 | ₹25L |
| Chandigarh | 0 | ₹0 |
| Chhattisgarh | 2 | ₹50L (Gen) / ₹40L (Reserved) |
| Goa | 1 | ₹50L |
| Gujarat | 1 | ₹40L |
| Haryana | 0 | ₹0 |
| Himachal Pradesh | 2 | ₹40L |
| Jharkhand | 3 | ₹30L |
| Karnataka | 1 | ₹50L |
| Kerala | 1 | ₹50L |
| Madhya Pradesh | 1 | ₹10L |
| Maharashtra | 1 | ₹50L |
| Odisha | 2 | ₹55.09L |
| Punjab | AIQ: 2 / SQ: 3 | AIQ ₹20L / SQ ₹30L |
| Rajasthan | 2 | Clinical ₹1.5Cr / Non-clinical ₹50L |
| Tamil Nadu | 2 | ₹40L |
| Telangana | 1 | ₹10L |
| Uttar Pradesh | 2 | ₹40L |
| Uttarakhand | 2 | ₹2.5Cr |
| West Bengal | 3 | ₹30L |
College-wise NEET PG Stipend 2026 PDF
Frequently Asked Questions (FAQs)
What is a stipend in NEET PG?
stipend in NEET PG is the monthly financial support or salary paid to postgraduate medical students during their residency in government or recognized medical colleges.
Does the NEET PG stipend vary by state?
The stipend amount differs from state to state because each state government and institution decides its own structure. Central institutes usually pay higher stipends compared to standard state colleges.
What is the average NEET PG stipend in India in 2026?
average, NEET PG stipends in India range between roughly ₹50,000 and ₹1,25,000 per month, depending on the state, institute type, and year of residency.
Do NEET PG students get a stipend in private colleges?
In most cases, private colleges do not offer a stipend, or it is much lower than in government institutions. Policies depend on each private college’s internal rules.
Which state gives the highest NEET PG stipend in 2026?
Central/autonomous institutes such as NEIGRIHMS (Meghalaya) and IGIMS (Bihar), along with Delhi’s government colleges, are currently among the highest payers, often exceeding ₹1,20,000/month by the later years.
Is the NEET PG stipend the same for all three years?
No, in most states, the stipend increases each year as students progress from the 1st to the 3rd year of residency. Some states, such as Goa and Punjab, keep the amount closer to fixed across the years.
Do NEET PG students need to pay tax on the stipend?
Yes, stipends are generally considered taxable income under the Income Tax Act. Students may need to pay tax depending on their total annual earnings.
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