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NEET PG 2026 · Karnataka · Real Cost
Total Cost of MD in Karnataka
Tuition, Hostel, Deposits and Stipend — the Real 3-Year Number
The fee on the allotment letter is only part of the story. Hostel, deposits, penalties and the bond add to it — and the stipend can take a large bite out of it. This page puts every piece together so you can see the real cost of three years of MD/MS in Karnataka.
Govt quota ₹7,83,108/yr
Private quota ₹13,87,994/yr
Stipend up to ₹68,750/month
Net cost calculator
Please note: tuition is from a compilation of the 2025 KEA PG fee matrix; stipend rates are from the Karnataka order effective 1 August 2024 as reported. Hostel figures are examples from colleges that publish them.
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Quick Answer: Total Cost of MD in Karnataka
Tuition alone for three years is about ₹23.49 lakh on a government-quota seat and ₹41.64 lakh on a private-quota seat in a Karnataka private college. Add hostel and mess — around ₹1.8–2.65 lakh a year where colleges publish it. Against that, the Karnataka government PG stipend is ₹56,250–₹68,750 a month (₹22.50 lakh over three years) — if your college pays it in full, a government-quota seat costs very little net.
Cost Snapshot
MD Cost in Karnataka
Govt-quota tuition₹23.49 lakh
Three years.
Private-quota tuition₹41.64 lakh
Three years.
Govt stipend₹22.50 lakh
Three years, from Aug 2024 rates.
Compulsory service1 year
After PG, every quota.
Cost Calculator
Your Real 3-Year Cost
Pick your seat type, add hostel and choose a stipend level. We show gross and net cost.
Your tuition, hostel, stipend and net 3-year cost will appear here.
By Quota
3-Year Cost by Seat Type
Tuition × 3 plus hostel at ₹2,00,000 a year (planning figure), less the full government-rate stipend.
| Seat | Tuition a year | Tuition, 3 years | With hostel | Net of full stipend |
|---|---|---|---|---|
| <strong>Govt-quota seat (private college)</strong> | ₹7,83,108 | ₹23,49,324 | ₹29,49,324 | ₹6,99,324 |
| <strong>Private-quota seat</strong> | ₹13,87,994 | ₹41,63,982 | ₹47,63,982 | ₹25,13,982 |
| <strong>St John’s private quota</strong> | ₹12,40,025 – ₹12,80,025 | ₹37,20,075 – ₹38,40,075 | ₹43,20,075 – ₹44,40,075 | ₹20,70,075 – ₹21,90,075 |
A few colleges charge slightly more on govt quota (₹7,98,108–₹8,08,858). Management fees vary widely — see the lowest-fee list.
Stipend
Karnataka PG Stipend Rates
Government medical colleges, per month, after the 25% increase effective 1 August 2024.
| Year | Current govt rate | Earlier rate | Yearly (current) |
|---|---|---|---|
| <strong>1st year</strong> | ₹56,250 | ₹45,000 | ₹6,75,000 |
| <strong>2nd year</strong> | ₹62,500 | ₹50,000 | ₹7,50,000 |
| <strong>3rd year</strong> | ₹68,750 | ₹55,000 | ₹8,25,000 |
| <strong>3-year total</strong> | — | — | ₹22,50,000<br><small>₹18,00,000 at the earlier rate</small> |
Private colleges must pay at par under NMC PGMER 2023 (as reported); several deemed universities’ 2025 notices list the earlier rate.
Hostel
Hostel & Mess Examples
Published 2025 figures from Karnataka colleges. Ask your college — Bengaluru rates are not published consistently.
| College | Hostel / mess | Notes |
|---|---|---|
| <strong>BLDE (Deemed), Vijayapura</strong> | Hostel + mess, about ₹1.75 – 2.25 lakh a year | Compulsory; may rise 5–10% a year |
| <strong>Yenepoya (Deemed), Mangaluru</strong> | 3-sharing ₹1.80 / 1.89 / 1.985 lakh; 2-sharing ₹2.40 / 2.52 / 2.65 lakh (years 1/2/3) | Compulsory for clinical courses; AC ₹1,400–2,000 a month extra |
| <strong>Sri Siddhartha (Deemed), Tumakuru</strong> | Fee not clearly published | ₹1 lakh refundable caution deposit; hostel compulsory |
From each university’s 2025 PG notification.
One-Time Costs
Deposits, Penalties and Service
Money you may pay or lock up outside tuition.
| Item | Amount | Notes |
|---|---|---|
| <strong>KEA PGET application fee</strong> | ₹750 – ₹7,000 | Depends on category and candidate type |
| <strong>MCC refundable deposit (AIQ)</strong> | ₹25,000 (UR) / ₹10,000 (SC/ST/OBC/PwD) | Refunded as per MCC rules |
| <strong>MCC deemed university deposit</strong> | ₹2,00,000 + ₹5,000 registration | Refund or forfeiture as per MCC rules |
| <strong>KEA clinical seat cancellation (2025)</strong> | ₹25,000 → ₹1.5 lakh → ₹7 lakh → ₹18 lakh + fee | Grows with each counselling stage |
| <strong>Karnataka service after PG</strong> | One year compulsory service | For every PG quota (govt, private, NRI, management) unless already done after MBBS |
Penalty and bond details: see the counselling fees and bond guides.
Cut the Cost
Four Ways to Spend Less
Compare colleges
Fees differ most on management seats. Check the lowest-fee colleges.
Verify the stipend
Ask current PGs what is actually paid each month — it can change the net cost by lakhs.
Finance smartly
Education loans, interest subsidies and the tax deduction on interest help. Read the education loan guide.
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Know the Real Cost Before You Choose
We work out tuition, hostel, stipend and bond for each option on your list — so you pick a seat you can afford for all three years.
FAQs
MD Cost Questions
What is the total cost of MD in Karnataka?
For a government-quota seat in a private college, tuition is ₹7,83,108 a year — ₹23,49,324 for three years. A private-quota seat is ₹13,87,994 a year — ₹41,63,982. Add hostel and mess (₹1.8–2.65 lakh a year in published deemed-university examples). Management seat fees are much higher and vary by college.
How much stipend do MD students get in Karnataka?
Karnataka raised the PG stipend in government medical colleges by 25% from 1 August 2024 to ₹56,250, ₹62,500 and ₹68,750 a month in the first, second and third years — ₹22,50,000 over three years.
Do private medical colleges pay the same stipend?
NMC’s PG regulations (PGMER 2023) require private colleges to pay PG students a stipend at par with government institutions in the same state, as widely reported. In practice payment varies: several Karnataka deemed universities’ 2025 notices still list ₹45,000 / ₹50,000 / ₹55,000 a month. RGUHS told colleges in May 2026 to publish stipends on their websites. Ask current students what is actually paid.
Is the PG fee paid every year or for the full course at once?
Government and private-quota fees in the KEA fee matrix are yearly amounts, and college documents show tuition charged year by year. Some colleges make you pay the balance of the whole course if you leave midway — read the undertaking before you sign.
What hidden costs should I budget for MD/MS?
Hostel and mess (often compulsory), caution deposits, university and exam fees, counselling deposits, books and conferences, and the seat-cancellation penalty if you leave a KEA seat late. Plan for one year of compulsory service after PG in Karnataka.
Can the stipend cover my fees?
On a government-quota seat, a full stipend at the current government rate (₹22,50,000 over three years) covers most of the tuition (₹23,49,324). On a private-quota seat it covers well under half; on management seats far less.
How much is the management quota fee for MD in Karnataka?
Listed management (“other quota”) fees for MD General Medicine, Radiology, Dermatology, Paediatrics and OBG ranged from ₹60.15 lakh to ₹160.15 lakh in a 2025 compilation of the KEA fee matrix. The source does not say whether each figure is yearly or for the full course — get the exact fee in writing.
Verify Before You Act
Sources & Official Links
Official authorities
- Karnataka Examinations Authority (KEA) — PGET registration, brochure, allotments and fee notification
- Medical Counselling Committee (MCC) — All India Quota and deemed universities
- National Medical Commission (NMC) — approved colleges and PG seats
- NBEMS — NEET PG result and qualifying cut-off
How we built this page
- Tuition: 2025 KEA PG fee matrix for private medical colleges, as compiled by Meducate (meducate.in/?p=904).
- Stipend: Karnataka Medical Education Department order raising PG stipend by 25% from 1 August 2024, as reported by The South First and Deccan Herald.
- Private-college stipend parity: NMC PGMER 2023 as reported by ThePrint; RGUHS circular of 2 May 2026 on publishing stipends.
- Hostel: 2025 PG notifications of BLDE, Yenepoya and SSAHE.
- Penalties, deposits and service: KEA 2025 and MCC 2025 rules as reported; calculations are ours.
- Facts checked on 28 October 2026. Where an official notice differs, the notice applies.
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