NEET PG 2026 Stipend: State-Wise Government & Private College Stipend
Shrasti AgnihotriUpdated on 03 Oct 2026, 01:04 AM IST
7 minutes read
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Along with the seat itself, the monthly stipend is one of the biggest practical differences between government and private PG medical colleges in India. Government colleges generally pay a structured, year-wise stipend fixed by the state health or medical education department, while private and deemed university colleges set their own stipend independently, so the amount can differ sharply even between two colleges in the same city. This guide compiles state-wise government stipend figures and real deemed/private college stipend data (based on official stipend declarations and MCC-linked records) so you can factor stipend into your NEET PG 2026 choice-filling strategy.
What Is the PG Medical Stipend and Who Pays It
The stipend is a monthly payment made to MD/MS/Diploma residents in exchange for the clinical duties, ward work, on-call hours, and teaching support they provide as part of their training. At government colleges it is paid by the state health or medical education department, following a fixed pay scale revised periodically by government order. At private and deemed university colleges, the stipend is set by the individual institution's management, which is why it varies so widely from college to college, even within the same state.
State-Wise Stipend at Government Medical Colleges
Government stipend is fixed by each state and revised from time to time through official orders, so it changes across states even for the same PG year. The figures below are recent monthly stipend amounts (1st / 2nd / 3rd year); most match the currently published 2026 state and institution datasets. Bihar's stipend was recently revised from Rs.82,000 / Rs.90,200 / Rs.99,220 to Rs.92,800 / Rs.1,02,000 / Rs.1,12,200, effective retrospectively from 1 January 2026, so the higher figures reflect the current rate. For Delhi, MAMC, VMMC/Safdarjung, Lady Hardinge, and similar institutes each have their own institution-specific pay and allowance structure rather than one uniform state rate, so the Delhi figures above are an indicative range across these institutes, not a single fixed number; VMMC in particular has a February 2026 official notice specifically covering PG resident pay and allowances, which is worth checking directly if VMMC is one of your target colleges.
Table
| State | 1st Year / Month | 2nd Year / Month | 3rd Year / Month |
|---|---|---|---|
| Delhi* | ₹1,20,000-₹1,32,000 | ₹1,24,000-₹1,36,000 | ₹1,28,000-₹1,40,000 |
| Chandigarh (GMCH-32) | ₹1,09,926 | ₹1,13,088 | ₹1,16,250 |
| Haryana | ₹1,04,346 | ₹1,07,508 | ₹1,10,670 |
| Gujarat | ₹1,00,800 | ₹1,02,480 | ₹1,05,000 |
| Bihar | ₹92,800 | ₹1,02,000 | ₹1,12,200 |
| Rajasthan | ₹87,216 | ₹92,667 | ₹96,301 |
| Maharashtra | ₹93,559 | ₹94,408 | ₹95,257 |
| Goa | ₹80,000 | ₹85,000 | ₹90,000 |
| Punjab | ₹76,000 | ₹77,000 | ₹78,000 |
| Madhya Pradesh | ₹75,444 | ₹77,764 | ₹80,086 |
| Odisha | ₹73,042 | ₹76,520 | ₹79,999 |
| Chhattisgarh | ₹67,500 | ₹71,450 | ₹74,600 |
| Jammu & Kashmir | ₹63,240 | ₹66,960 | ₹70,680 |
| Andhra Pradesh | ₹60,823 | ₹61,528 | ₹64,767 |
| Kerala | ₹57,876 | ₹58,968 | ₹60,060 |
| Karnataka | ₹56,250 | ₹62,500 | ₹68,750 |
| Assam | ₹55,200 | ₹56,925 | ₹58,650 |
| Tamil Nadu | ₹54,025 | ₹55,149 | ₹56,275 |
| Himachal Pradesh | ₹40,000 | ₹45,000 | ₹50,000 |
4 columns · 20 rows
Stipend at Private and Deemed University Colleges
Private and deemed university colleges do not follow a common state pay scale, so figures are set independently by each institution and can differ sharply even within the same state. Some established private trusts pay stipends close to or above government levels, while several deemed colleges pay a modest fixed amount that barely rises across the three years. Below are real first / second / third year stipend figures for a representative set of deemed and private colleges, based on official stipend records.
Table
| Private / Deemed College | 1st Year / Month | 2nd Year / Month | 3rd Year / Month |
|---|---|---|---|
| SBKS Medical Institute & Research Centre, Vadodara | ₹1,00,800 | ₹1,02,480 | ₹1,05,000 |
| Krishna Institute of Medical Sciences, Karad | ₹92,470 | ₹93,303 | ₹94,135 |
| MGM Medical College, Aurangabad | ₹88,000 | ₹89,000 | ₹90,000 |
| MGM Medical College, Navi Mumbai | ₹88,000 | ₹89,000 | ₹90,000 |
| Hamdard Institute of Medical Sciences & Research, New Delhi | ₹80,000 | ₹80,000 | ₹80,000 |
| Bharati Vidyapeeth Medical College, Pune | ₹76,000 | ₹77,000 | ₹78,000 |
| Kalinga Institute of Medical Sciences (KIMS), Bhubaneswar | ₹72,000 | ₹74,000 | ₹76,000 |
| Kasturba Medical College, Manipal | ₹56,250 | ₹62,500 | ₹68,750 |
| Kasturba Medical College, Mangalore | ₹56,250 | ₹62,500 | ₹68,750 |
| Santosh Medical College, Ghaziabad | ₹56,010 | ₹56,010 | ₹56,010 |
| SRM Medical College, Kanchipuram | ₹48,000 | ₹49,000 | ₹50,000 |
| Sri Ramachandra Medical College, Chennai | ₹48,000 | ₹49,000 | ₹50,000 |
| JSS Medical College, Mysuru | ₹45,000 | ₹50,000 | ₹55,000 |
| Malla Reddy Institute of Medical Sciences, Hyderabad | ₹45,000 | ₹47,000 | ₹49,000 |
| Amrita School of Medicine, Kochi | ₹43,000 | ₹44,000 | ₹45,000 |
| Meenakshi Medical College, Enathur | ₹25,000 | ₹26,000 | ₹27,000 |
4 columns · 17 rows
Government vs Private: The Broad Pattern
Taken together, the data points to a clear pattern rather than an absolute rule. Government stipends are generally more standardised within a state and tend to sit in the ₹55,000-₹1,30,000 monthly range depending on the state and year, with Delhi, Chandigarh, Haryana, and Gujarat among the higher-paying states. Private and deemed colleges span a much wider range: a handful of well-established trusts (SBKS Vadodara, Krishna Karad, MGM Aurangabad) pay at or above the government level, while many others sit in the ₹35,000-₹55,000 band, and a few pay as little as ₹25,000, especially in the first year.
Factors That Affect How Much Stipend You Actually Get
Beyond the state and whether the college is government or private, a few other factors influence the stipend a resident receives in hand.
- Year of residency — stipend typically rises by a fixed increment each year of the course, though a few colleges keep it flat for all three years
- Central vs state institute — AIIMS, PGIMER, and other centrally funded institutes generally follow a separate, often higher, pay structure than a state's general government scale
- Branch and workload — some hospitals pay slightly higher allowances for high-duty clinical branches or senior residency roles
- Periodic revisions — state governments and private colleges revise stipend orders every few years, so figures can change between the year you join and the year you graduate
- Deductions — professional tax, applicable income tax, and hostel/mess charges may be deducted before the amount is credited
Is PG Stipend Taxable
Yes, in most cases. The stipend paid to PG medical residents is generally treated as taxable income under the Income Tax Act, since it is paid in return for clinical service rendered to the hospital, and not treated as a scholarship. Residents whose total annual income, including stipend, crosses the basic exemption limit are expected to file income tax returns and may have TDS deducted by the college or hospital. Tax rules can change, so it's worth checking with a tax professional or the institute's finance office for your specific situation.
Stipend vs Bond: What to Check Before You Choose a College
A high stipend on paper does not always mean more money in hand over the long run. Many government colleges, and some private and deemed ones, attach a service bond or bond penalty (commonly ₹10 lakh to ₹50 lakh, and higher in a few states) that can far outweigh a good stipend if you leave the seat or skip the mandatory service period. Before finalising a choice, check the stipend figure alongside the bond duration and penalty amount, hostel and mess charges, and whether the stipend is revised annually or stays fixed for the full course.
- Confirm the current stipend amount from the official prospectus or latest government/institute stipend order, not an old or generic figure
- Check if the stipend increases every year or remains flat for the full course
- Ask about deductions — hostel, mess, and professional tax can meaningfully reduce the in-hand amount
- Read the bond terms carefully — bond duration, penalty amount, and conditions for early exit vary a lot by state and college
- For private and deemed colleges, verify whether the stipend is guaranteed in writing or subject to change at the institution's discretion
Related Resources
The links below are grouped for reference — official counselling resources first, followed by planning tools on CaderaEdu.
Official Resources
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Frequently Asked Questions
Do all government medical colleges pay the same PG stipend?
No. The actual amount is set by each state's medical education or health department and revised periodically, so it differs from state to state — ranging from around ₹40,000 in the first year in some states to over ₹1,20,000 in states like Delhi, Chandigarh, and Haryana.
Is stipend usually higher in government or private colleges?
On average, government colleges tend to offer more standardised and often higher stipends. A handful of well-established private and deemed institutes (such as SBKS Vadodara or Krishna Institute, Karad) match or exceed government-level stipends, but many private and deemed colleges pay considerably less, sometimes as low as ₹25,000 in the first year.
Does the PG stipend increase every year of the course?
At most government colleges and many private/deemed colleges, yes — the stipend rises by a fixed increment from 1st to 2nd to 3rd year. A few institutes, such as Hamdard Institute (HIMSR) Delhi and Santosh Medical College Ghaziabad, keep the stipend flat for the entire course.
Is NEET PG stipend subject to income tax?
In most cases, yes. PG stipend is generally treated as taxable income since it is paid for clinical service rendered, and residents whose total income crosses the exemption limit may have TDS deducted and are expected to file returns; specifics can vary, so it's worth checking with a tax professional.
Where can I find the exact current stipend for a specific college?
The most reliable source is the college's own official stipend declaration or the state medical education department's latest government order, since these figures are revised periodically through official notifications and can differ from older or general estimates found online.