₹1628 /yr
Government
AIIMS New Delhi · verified ✓
₹1.5L /yr
Govt seat in private
Kempegowda Institute of Medical Sciences · verified ✓
₹12L /yr
Private quota
BGS Global Institute of Medical Sciences · verified ✓
₹45L /yr
Q / NRI quota
Sapthagiri Institute of Medical Sciences · verified ✓
Exact annual fees from the official KEA UGNEET-2024 fee table and the AIIMS prospectus, checked 12 Jun 2026 · full list with sources in the table below.
Half of every private & deemed college’s seats are pegged to the government fee.
The NMC’s fee guideline of 3 Feb 2022 (under the NMC Act 2019) directs that fees for 50% of seats in private medical colleges and deemed universities be at par with the government medical-college fee of that state or UT. It doesn’t lower the sticker price — it changes who that price is for.
What “at par” can mean in practice: Karnataka’s government-seat-in-a-private-college fee already sits near ₹1.54L/yr — the slab a college’s half-fee seats are meant to match, not its ₹20–45L sticker.
The honest caveat
The guideline pegs the price of half the seats — it does not, on its own, tell you which students get them. How the half-fee slab is allotted is set in counselling — confirm against the current state/MCC notification.
For deemed universities the same NMC guideline is the operative fee rule: UGC’s 2022 regulations ban capitation but set no fee ceiling of their own.
The quota decides the fee — before the college does.
Families compare colleges; the system prices seats. The same private college charges a government-quota student ₹1.5L and a Q-quota student ₹42L in the same classroom. Understand the path, and the fee stops being a surprise.
- 01
Your NEET rank
One exam, one rank — the only currency that buys a subsidised seat.
- 02
Counselling path
MCC (15% AIQ + deemed) or your state authority (85%) — each runs its own list.
- 03
Seat type allotted
Government, government-seat-in-private, private, deemed, management or NRI.
- 04
Fee band locked
The seat type — not the college name — sets what you pay for 4.5 years.
Four seat types, four price realities.
Government
₹1,628 – ₹60,000 / yr
MCC (15% AIQ) + your state authority (85%)
AIIMS New Delhi: ₹1,628/yr — verified vs the official prospectus. ✓
The most subsidised seats in world medicine — won by rank, not budget. Watch for state service bonds.
Govt seat in a private college
≈ ₹1.5L / yr
State quota (e.g. KEA in Karnataka)
Karnataka 2024-25: ₹1,54,321/yr, uniform — verified vs the official KEA fee table. ✓
The least-known bargain: a government-priced seat inside a private campus.
Private quota
≈ ₹8 – 22L / yr
State authority (private/management rounds)
Verified KEA 2024-25: St John’s ₹8.1L · KIMS ₹12.0L · BGS ₹22.2L per year. ✓
Varies wildly by college and state; fee-regulating authorities cap part of it.
Deemed / Management / NRI
≈ ₹13 – 45L+ / yr
100% through MCC (deemed); state rounds (mgmt/NRI)
Verified KEA “Others” quota 2024-25: ₹30.1L – ₹45.4L per year. ✓
NRI fees are often set in USD. Demand the full multi-year schedule in writing.
Every exact figure we publish — and where it comes from.
These are not estimates. Each row is an annual fee read from the official KEA UGNEET-2024 fee table or the AIIMS prospectus, linked to its source. Coverage grows as more official fee documents are verified — figures we can’t verify stay clearly marked indicative across the site.
Bonds, deposits and stipends — the clauses that move the total.
The brochure never leads with these. Each item links its source; bond rules change by counselling cycle, so treat the current official notification as final.
Service & seat-leaving bonds
Karnataka
₹15L penalty
1-yr compulsory rural service for govt-quota MBBS grads (Compulsory Service Act 2012; 2024 Amendment Rules set the ₹15L penalty). source ↗
Tamil Nadu
₹5L / ₹10L
Bond to serve up to 5 yrs in rural TN if demanded within 2 yrs of registration (₹5L default); ₹10L for mid-course discontinuation — on ALL seats incl. management/NRI. source ↗
Maharashtra
₹10L penalty
1-yr social-responsibility service for fee-reimbursed MBBS/BDS students (GR 13.06.2022); ₹10L penalty for lapsing/leaving a govt seat. source ↗
Kerala
₹10L damages
KEAM prospectus liquidated-damages bond: discontinuing MBBS after the 3rd allotment costs ₹10L, recoverable under the Revenue Recovery Act. source ↗
Reported from the official GRs/rules by national medical-trade press; Maharashtra’s bond was under government review in Apr 2026 — confirm in the cycle’s own notification.
Counselling security deposits
- MCC AIQ / govt seats (refundable security)₹10,000 ↗
- MCC deemed universities (refundable security)₹2,00,000 ↗
- UP state counselling — govt / private₹30,000 / ₹2L ↗
Refundable if you follow the rules — forfeited if you exit a seat outside them. The ₹2L deemed deposit must sit idle in your account through counselling: plan liquidity.
Who actually sets private fees
Private tuition isn’t a free-for-all — statutory committees fix it per block period. If a college quotes above the order, that’s your negotiation document.
- Maharashtra: Fees Regulating Authority (FRA) — vets audited costs, approves each private college’s fee ↗
- Telangana: Admission & Fee Regulatory Committee (TAFRC) — fixes block-period fees from audited expenditure ↗
- Tamil Nadu: Justice Pongiappan committee — fixes self-financing college fees, applied via the DME Selection Committee ↗
- Karnataka: Fee Regulatory Committee (retd-HC-judge chaired; orders surface via KEA) ↗
Plus: the NMC’s Feb-2022 memo directs that fees for 50% of seats in private and deemed colleges match the state’s government-college fee — its validity is before the Supreme Court. MCC publishes deemed fee/bond tables ↗
Funding it without folklore
- Loans up to ₹7.5 lakh need no collateral or third-party guarantee (covered by the CGFSEL guarantee fund); above that, banks ask for tangible security. ↗
- The moratorium is the course period + 1 year — EMIs start after it, with repayment tenures up to 15 years beyond that. ↗
- CSIS pays 100% of moratorium-period interest for families earning up to ₹4.5L/yr at accredited institutions. ↗
- PM-Vidyalaxmi (Nov 2024): collateral-free, guarantor-free portal loans, with 3% interest subvention during moratorium on loans up to ₹10L for family income up to ₹8L. ↗
- Banks follow the IBA Model Educational Loan Scheme (2022 revision) — the baseline to compare any bank’s offer against. ↗
We don’t lend or take loan commissions — compare total interest paid, not the EMI. See how the schemes stack ↓
The internship stipend is a right — and the regulator now has teeth.
For years some private colleges paid interns little or nothing. In 2025 the NMC moved on it — first mandating disclosure, then penalising colleges that stayed silent. The verified stipend figures above remain the only amounts we publish; what changed is enforcement.
Every college must publish what it actually pays.
An NMC public notice of 11 Jul 2025 directs all colleges — private included — to publicly disclose the stipend actually paid to MBBS interns, citing the duty to pay and the Supreme Court’s directions. A college that won’t state its intern stipend in writing is its own warning.
₹1 crpenalty, each, on 7 colleges.
The NMC imposed a ₹1 crore penalty on each of seven colleges for failing to furnish stipend information — a regulator willing to fine, not just request. It is the clearest signal yet that the paid internship is treated as an entitlement, not a courtesy.
Four layers that soften a private-seat bill.
A private or deemed seat is rarely paid in cash — it’s assembled. A bank loan forms the base; a credit guarantee and interest subvention sit on top; a tax deduction lowers the real interest; and one government portal is the door you apply through. Each layer is official, and linked.
The education loan
Base layerPublic-sector and private banks lend against the admission letter and the fee structure, on the IBA Model scheme baseline — loans up to ₹7.5L need no collateral or guarantor; repayment starts after a moratorium of the course period + 1 year. IBA Model Scheme 2022 ↗
PM-Vidyalaxmi
Guarantee + subventionCabinet-approved (Nov 2024): collateral-free, guarantor-free loans with a 75% credit guarantee up to ₹7.5L, plus a 3% interest subvention during the moratorium on loans up to ₹10L for families earning ≤ ₹8L a year. PIB · 06.11.2024 ↗
Section 80E interest deduction
Tax reliefThe entire interest paid on an education loan from a financial or approved institution is deductible from taxable income — no upper ceiling — for up to 8 assessment years. It lowers the real cost of every rupee of interest you carry. Income Tax Dept · s.80E ↗
Vidya Lakshmi portal
Single windowThe government’s one-stop portal (Dept of Financial Services + Dept of Higher Education + IBA) to apply to multiple banks and track education-loan applications in one place — the practical front door to the stack above. Vidya Lakshmi · official portal ↗
An honest note on scale
These thresholds are modest against MBBS reality: a deemed or management seat often costs far more than ₹7.5L or ₹10L a year, let alone across 4.5 years. The stack softens private-seat economics — it does not solve them. Model the full multi-year cost first, then see how much of it the stack can carry.
Fees only matter for seats your rank can win.
The predictor reads your AIR against verified MCC closing ranks, so you see the realistic seat types — and their fee bands — instead of brochure dreams.
Example · AIR 4,000 · General
Maulana Azad Medical College
out of reach
2024 AIQ closing: AIR 145 — the predictor says so honestly
ESIC Faridabad
within reach ✓
2024 AIQ closing: AIR 3,803 — government-band fee
Deemed route (MCC)
₹13–28L/yr
Open deeper into the list — if the budget truly exists
Closing ranks verified vs MCC R1 final allotments (2024 & 2025).
Fees — frequently asked
Is a government MBBS seat really only a few thousand rupees a year?
Tuition, yes — AIIMS New Delhi charges about ₹1,628 a year (verified against the official prospectus), and many state government colleges charge a few thousand to about ₹60,000. Your real budget still includes hostel, mess, books and exam fees, but the total stays a fraction of any private option. This is why rank is worth more than any budget.
What does the headline tuition figure usually leave out?
Hostel and mess charges, refundable counselling deposits, university and exam fees, books and equipment — and at many government colleges, a service bond with penalties for early exit. Ask for the full multi-year fee schedule in writing before committing to any seat.
What is a service bond?
A commitment some states attach to subsidised seats: serve a set number of years in state service after graduating, or pay a penalty. Terms vary by state and change over time — check the current counselling notification for the exact bond and penalty before you lock a seat.
Do MBBS students earn anything during the course?
Yes — the compulsory internship year is paid. Government college interns receive a monthly stipend (central institutions pay the most; state amounts vary). It does not offset private tuition meaningfully, but at a government college it makes the final year nearly self-funding.
How do families fund private or deemed seats?
Usually a mix of savings and an education loan. Public-sector and many private banks lend against the admission letter and fee structure — compare the interest rate, the moratorium (repayment usually starts after the course), and collateral terms, and look at total interest paid rather than just the EMI. We help map fees to a realistic funding plan; we don’t lend or earn commission on loans.
Map the fees to your family's real budget
A senior counsellor will walk you through your real options.