Introduction
Congratulations to all medical graduates stepping into the next phase of their careers after successfully clearing NEET-PG 2025! Securing a postgraduate seat is a major milestone but before you dive into specialization, it's crucial to understand the bond service commitments that many states in India impose as part of PG medical admissions.
These service bonds are legal agreements that require you to serve in designated government or rural healthcare facilities for a fixed duration after completing your course. If you choose not to fulfill this obligation, you'll be liable to pay a significant financial penalty which can go as high as ₹1–2.5 crore in some states.
Additionally, while serving the bond period, you may or may not receive a stipend, and the amount varies widely across states and institutions.
This blog provides information about State-wise NEET PG 2025 Bond Rules, Penalties & Stipend Details.
Whether you’re planning to pursue a super-specialty soon, enter private practice, or serve in the public sector, knowing these details will help you make an informed decision about where and how to pursue your PG education.
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State-Wise NEET PG Bond Requirements & Penalty Breakdowns
| State |
Service Bond Term |
Penalty if not served of Bond Discontinued |
| Andhra Pradesh |
1-year rural service, |
₹40 Lakhs,Discontinuation/ Seat Leaving Penalty: ₹3 L + 18% GST (3,54,000) |
| Assam |
1-year ( upto 10 years) |
Degree ₹20 lakh, Diploma ₹15 lakh |
| Bihar |
3 years service (except IGMC Patna) |
₹25 lakh + stipend; Discontinue ₹15 lakh + stipend |
| Chhattisgarh |
2 years service |
50L (General) / ₹40L (Others) | Pre-Clinical – ₹20L (General) / ₹15L (Others) |
| Goa |
1 Year |
₹50 lakh; Discontinue ₹50 lakh |
| Gujarat |
AIQ – No Bond | State Quota – 1 Year |
₹40 Lakhs |
| Haryana |
No Bond |
₹7.5 Lakhs + 3 Years Debarment from PG admissions in the state |
| Himachal Pradesh |
2 Years |
₹40 Lakhs + 18% Interest (No Bond if No Stipend Taken) ₹10 Lakhs + 18% Interest |
| Jharkhand |
3 years service |
₹20 Lakhs + Stipend Paid |
| Karnataka |
3 Year service |
₹5 Lakhs + Stipend | Diploma – ₹2.5 Lakhs + Stipend |
| Kerala |
1 year service |
₹50 Lakhs + Stipend Received |
| Madhya Pradesh |
1 year service |
₹10 Lakhs |
| Maharashtra |
1 Year service |
10 Lakhs for not completing JR tenure + ₹10 Lakhs if PG seat lapses (Not eligible for Maharashtra PG in future) |
| Punjab |
AIQ – 1 Year/ ₹10 Lakhs | State Quota – 2 Years |
Full Course Fee for 2/3 years |
| Rajasthan |
5 Years – Degree: ₹25 Lakhs, Diploma: ₹5 Lakhs |
₹5 Lakhs (Includes ₹1.5 Lakhs Bank Guarantee) |
| Tamil Nadu |
2 Years – Degree: ₹40 Lakhs, Diploma: ₹20 Lakhs |
Degree: ₹15 Lakhs | Diploma: ₹10 Lakhs + Stipend Received + 2 Years Ineligibility |
NEET PG Bond Duration & Amount vary significantly from state to state, ranging from no bond (Haryana, AIQ in Gujarat, CIP Ranchi) to 10 years (Assam).
Penalties for discontinuation can be extremely high, especially in states like Goa, Karnataka, Kerala, and Maharashtra.
NEET PG Stipend amounts differ widely, Gujarat, Jharkhand, and Bihar offer some of the highest, while Chhattisgarh and Karnataka are on the lower side.
Make sure to thoroughly review the bond conditions before accepting any seat to avoid unexpected financial liabilities or career setbacks. For complete guidance throughout your MD/MS admission process and beyond, you can also connect with the experts at Team Get My University for end-to-end support in your medical journey.
State-Wise NEET PG Stipend
Andhra Pradesh NEET PG Stipend
| 1st Year |
INR 60823 |
| 2nd Year |
INR 61528 |
| 3rd Year |
INR 64767 |
Assam NEET PG Stipend
| 1st Year |
INR 55200 |
| 2nd Year |
INR 56925 |
| 3rd Year |
INR 58650 |
Bihar NEET PG Stipend
| 1st Year |
INR 82000 |
| 2nd Year |
INR 90200 |
| 3rd Year |
INR 99220 |
Chhattisgarh NEET PG Stipend
| 1st Year |
INR 42500 |
| 2nd Year |
INR 45000 |
| 3rd Year |
INR 47000 |
Goa NEET PG Stipend
| 1st Year |
INR 60000 |
| 2nd Year |
INR 60000 |
| 3rd Year |
INR 60000 |
Gujarat NEET PG Stipend NEET PG Stipend
| 1st Year |
INR 100800 |
| 2nd Year |
INR 102480 |
| 3rd Year |
INR 105000 |
Haryana NEET PG Stipend
| 1st Year |
INR 78764 |
| 2nd Year |
INR 81151 |
| 3rd Year |
INR 83538 |
Himachal Pradesh NEET PG Stipend
| 1st Year |
INR 66200 |
| 2nd Year |
INR 40000 |
| 3rd Year |
INR 45000 |
Jharkhand NEET PG Stipend
| 1st Year |
INR 100770 |
| 2nd Year |
INR 103660 |
| 3rd Year |
INR 106550 |
Karnataka NEET PG Stipend
| 1st Year |
INR 45000 |
| 2nd Year |
INR 50000 |
| 3rd Year |
INR 55000 |
Kerala NEET PG Stipend
| 1st Year |
INR 57876 |
| 2nd Year |
INR 58968 |
| 3rd Year |
INR 60060 |
Madhya Pradesh NEET PG Stipend
| 1st Year |
INR 75444 |
| 2nd Year |
INR 77764 |
| 3rd Year |
INR 80085 |
Maharashtra NEET PG Stipend
| 1st Year |
INR 88213 |
| 2nd Year |
INR 88981 |
| 3rd Year |
INR 89749 |
Punjab NEET PG Stipend
| 1st Year |
INR 67968 |
| 2nd Year |
INR 67968 |
| 3rd Year |
INR 67968 |
Tamil Nadu NEET PG Stipend
| 1st Year |
INR 52451 |
| 2nd Year |
INR 53544 |
| 3rd Year |
INR 54636 |
Consult Team Get My University
For NEET PG 2025 candidates, the bond rules, penalties, and stipend amounts differ widely across states, making them crucial factors to consider during counselling and seat selection.
While some reputed institutions such as GMC Chandigarh, IGIMS Patna, Delhi University colleges, VMMC (IP University), BHU, AMU JNMC, and Sher-i-Kashmir come with no bond requirements, giving students complete flexibility after completing their PG, others enforce strict obligations.
For instance, Uttarakhand has one of the highest penalties, with a bond amount reaching ₹2.5 crore for subsidized PG seats. Similarly, states like Tripura and Chhattisgarh impose penalties of up to ₹50 lakh for clinical courses. On the stipend front, opportunities also vary considerably students in Telangana (NIMS Hyderabad) and Delhi University colleges can earn over ₹1.26 lakh/month in the first year, while states such as Himachal Pradesh and Pondicherry offer relatively lower stipends, around ₹40,000–₹43,000/month.
With such stark differences across states, it becomes essential for aspirants to carefully assess bond commitments, financial liabilities, and stipend benefits before locking their PG seat choice.