Last checked against the official KEA site: October 2026
Financial & Residency ROI Modeler
Statutory KEA Fee Orders • RGUHS Norms
Karnataka MD/MS 3-Year Fee, Stipend & Rural Bond Calculator
Postgraduate medical education in Karnataka is unique: while tuition fees differ significantly between Government, Private Merit, and Open quotas, all registered Junior Residents receive substantial monthly government stipends (₹50,000 to ₹60,000/month). Use this official financial calculator to model your 3-year gross fees, net cashflow, and the financial impact of the 1-year mandatory rural service bond.
Interactive 3-Year Net Cost & Stipend Simulator
Financial Summary 3-Year Residency
3-Year Total Tuition Fee: ₹24,54,000
Hostel & Mess (3 Years): ₹3,60,000
RGUHS University Fees: ₹1,05,000
Total 3-Year Gross Expenses: ₹29,19,000
Cash Inflows & Earnings
3-Year Junior Resident Stipend: +₹19,80,000
1-Year Rural Bond Salary: +₹8,16,000
Net Financial Outlay / Surplus
₹1,23,000
Net out-of-pocket cost across residency & bond service
Official Karnataka NEET PG Fee Schedule by Quota
Statutory annual fees fixed by Fee Regulatory Committee for Karnataka Medical Colleges.
| Seat Quota Category | Institutions | Annual Tuition | 3-Yr Tuition Total | Monthly Stipend | Rural Bond |
|---|---|---|---|---|---|
| Government Quota ('G') in GMCs | BMCRI, MMCRI, KIMS, VIMS | ₹1,14,000 / yr | ₹3,42,000 | ₹50k–₹60k / mo | 1 Year (₹50L penalty) |
| Private College Govt Quota ('G') | St. John's, Ramaiah, KIMS, Father Muller | ₹8,18,000 / yr | ₹24,54,000 | ₹45k–₹55k / mo | 1 Year (₹50L penalty) |
| Private Open Quota ('OPN' / 'GMP') | All Private Colleges (Pan-India) | ₹12,20,000 – ₹14,50,000 / yr | ₹36.6L – ₹43.5L | ₹45k–₹55k / mo | College Specific Bond |
| NRI / Management Quota ('N' / 'Q') | Private Medical Institutions | ₹35,00,000 – ₹50,00,000 / yr | ₹1.05 Cr – ₹1.50 Cr | ₹45k–₹55k / mo | Exempted from state bond |