What Is a NEET PG Service Bond?

A NEET PG service bond is an undertaking signed by a postgraduate medical student requiring them to provide medical services for a specified period after completing their MD/MS course.

If a candidate does not fulfil the compulsory service requirement, the applicable bond penalty may have to be paid.

The bond is not identical across India. It can depend on:

• State government rules
• Government or private medical college
• State Quota or All India Quota
• MD/MS speciality
• Candidate category
• Admission year
• Institution-specific conditions

Therefore, candidates should check the latest counselling brochure and bond undertaking before joining a seat.

NEET PG Stipend: Year-Wise Payment

PG medical residents generally receive a monthly stipend during their residency. The amount usually increases from the first year to the third year, although the actual structure differs between states and institutions.

For example, the available figures show Gujarat at ₹1,00,800 in Year 1, ₹1,02,480 in Year 2 and ₹1,05,000 in Year 3, while Kerala reports ₹57,876, ₹58,968 and ₹60,060 respectively.

The exact amount should always be confirmed from the concerned medical college's latest official disclosure.

States With Higher Reported PG Stipends

Among the states/UTs included in the table, comparatively higher reported first-year stipends include:

• Chandigarh: ₹1,09,926
• Gujarat: ₹1,00,800
• Maharashtra: ₹93,559
• Andaman & Nicobar Islands: ₹87,000
• Bihar: ₹82,000
• Goa: ₹80,000

However, stipend alone should not determine college preference. Candidates should also consider tuition fees, bond obligations, penalty, speciality exposure, patient load and career opportunities.

Why Bond Conditions Matter in NEET PG Choice Filling

A candidate may secure a preferred MD/MS speciality but later face a significant financial obligation if they do not complete the compulsory service period.

Before locking choices, aspirants should compare:

1. Annual tuition fee
2. Monthly stipend
3. Bond duration
4. Bond penalty
5. Quota-specific conditions
6. College-specific rules

For example, a college offering a higher stipend may also have a longer compulsory service obligation or a higher penalty.

AIQ vs State Quota: Check the Difference

One of the most important points is that bond rules may differ between State Quota and AIQ seats.

The table therefore uses an asterisk wherever the available information indicates that the bond or penalty may depend on quota or other conditions.

Candidates should not assume that a bond applicable to one category automatically applies to every PG seat in that state.

Important Note for NEET PG 2026 Candidates

The information provided above is intended as a state-wise reference guide. Stipend and service-bond policies can be revised through government orders, counselling notifications or institutional regulations.

Figures marked with * may be subject to quota-, college-, course- or category-specific conditions. Candidates should verify the latest official notification and the concerned college's stipend/bond disclosure before taking admission.

NMC has also emphasised disclosure of fee and stipend information by medical institutions, so candidates should preferably rely on the latest official college/state document wherever available.

NEET PG 2026 Stipend and Bond: Key Takeaway

The NEET PG 2026 stipend and service bond can have a significant impact on the overall value of an MD/MS seat. Some states offer stipends above ₹1 lakh per month, while others have lower stipend levels but different service-bond requirements.

Therefore, while preparing your NEET PG 2026 choice filling, do not compare colleges only on the basis of rank or speciality. Check the stipend, bond duration and penalty together before making your final decision.