NEET Counselling:
The Financial Risks Nobody Tells You
The Financial Risks Nobody Tells You
Students collectively lose crores every year in forfeited counselling deposits — UG and PG. Not because they didn't get seats — but because they couldn't plan across overlapping counselling calendars.
861+
Students forfeited
deposits (4 states)
deposits (4 states)
₹4.6Cr+
Total confirmed
forfeited (PG alone)
forfeited (PG alone)
1,232
MCC UG seats vacant
at stray round
at stray round
₹9L+
Max deposit risk
per student
per student
Understanding the system
How MCC Deposits Work
Every NEET UG aspirant participates in two parallel counsellings — MCC (for AIQ + Deemed) and their home State (85% quota). Each charges a separate deposit. They stack.
| MCC Counselling Type | Registration | Security Deposit | Total |
|---|---|---|---|
| Deemed Universities | ₹5,000 | ₹2,00,000 | ₹2,05,000 |
| AIQ / AIIMS / JIPMER / ESIC (UR/EWS) | ₹1,000 | ₹10,000 | ₹11,000 |
| AIQ / AIIMS / JIPMER / ESIC (SC/ST/OBC/PwD) | ₹500 | ₹5,000 | ₹5,500 |
| Both AIQ + Deemed | ₹5,000 | ₹2,00,000 | ₹2,05,000 |
The ₹1,90,000 Checkbox
Checking "Apply for Deemed Universities" at MCC changes your deposit from ₹10,000 to ₹2,00,000. That single checkbox = ₹1,90,000 additional financial risk. Most students tick it as a safety net without realising the cost.
State-wise comparison
State Counselling Deposits (on top of MCC)
Each state charges its own deposit. A student in MCC + home state pays both.
| State | Govt Seats | Private / Mgmt | NRI | Key Rule |
|---|---|---|---|---|
| Uttar Pradesh | ₹30,000 | ₹2,00,000 | — | Pay only higher amount if both |
| Rajasthan | ₹50,000 | ₹2,00,000 | ₹5,00,000 | Highest NRI deposit in India |
| Tamil Nadu | ₹30,000 | ₹1L / ₹2L (Mgmt) | ₹5,00,000 | Clear 4-tier structure |
| Bihar (BCECEB) | ₹10,000 (UR) / ₹5,000 (SC/ST/BC) | ₹2,00,000 | — | ₹50K for pvt dental; reg ₹1,200 / ₹600 |
| Karnataka (KEA) | ₹10,000 | ₹1,00,000 | — | Deposit escalates each round |
| Madhya Pradesh | ₹5,000 | ₹1,00,000 | — | Low govt, standard pvt |
| Maharashtra | ~₹5,000 | ₹1,00,000 | — | Closed state for private |
| Haryana | ₹10,000 / ₹5,000 | ₹1,00,000 | — | No deposit in R1 |
| Gujarat | ₹10,000 | ₹10,000 | — | Same for all seat types |
| Telangana | ₹10–12K | ₹15–20K | — | Low deposits |
What's at stake for you
Your Deposit Risk — By Profile
The amount locked up depends on what you're targeting. Here are the three common profiles:
Low risk
Govt-Only
Rank < 50K. Targeting AIQ + state govt seats only. No deemed/private.
₹40–60K
MCC AIQ ₹10K + State govt ₹30–50K. Forfeiture if you exit after R2 = manageable.
Medium risk
Govt + Private Hedge
Rank 50K–2L. Adding deemed/private as insurance in both MCC and state.
₹4–4.5L
MCC Deemed ₹2.05L + State pvt ₹1–2L. Get allotted in both R2 → must forfeit one.
High risk
NRI / Multi-State
Applying across MCC + home state + second state (NRI quota).
₹9L+
MCC ₹2.05L + State ₹2L + Rajasthan NRI ₹5L. One exit = ₹2–5L gone.
Round-by-round rules
When Does Your Deposit Become Non-Refundable?
MCC counselling has 4 stages. Your financial risk escalates with each round.
✓
Round 1
Free exit
Full refund
Full refund
⚠
Round 2
Exit allowed
Deposit forfeited
Deposit forfeited
❌
Round 3
Forfeited +
Eliminated
Eliminated
☠
Stray
Must join or
Debarred 1 year
Debarred 1 year
The Stray Round Trap
If you're allotted a seat in the Stray Vacancy Round and don't join — you lose your deposit AND get debarred from NEET next year. Double penalty. 78 students in UP alone faced this in 2025.
The overlap problem
Why Forfeiture Is Almost Inevitable
MCC and state rounds overlap but don't align. A student who gets a seat in one and a better seat in the other is forced to forfeit the first deposit.
| Timeline | What happens | Risk level |
|---|---|---|
| Jul–Aug | MCC R1 + State R1 | Safe — free exit in both |
| Aug–Sep | MCC R2 + State R2 | First forfeiture window |
| Sep–Oct | MCC R3 + State R3/Mop-up | Peak clash zone |
| Oct–Nov | MCC Stray + State Stray | Final trap — compulsory join |
Since most students participate in both MCC and state counselling, they will get allotted somewhere by R2. Forfeiture in the other counselling becomes almost guaranteed for anyone who gets a better option later.
Real data from 2025
Who Actually Lost Money
1,232
MBBS/BDS seats vacant at MCC
Stray Round — each = forfeited deposit
Stray Round — each = forfeited deposit
₹1.35 Cr
Forfeited by 78 debarred
students in UP alone (UG)
students in UP alone (UG)
| UP Debarred Students | MBBS | BDS | Total |
|---|---|---|---|
| Allotted but never joined | 47 | 8 | 55 |
| Joined, then resigned | 10 | 13 | 23 |
| Total debarred | 57 | 21 | 78 |
All 78 also banned from next year's UP counselling — deposit loss + one year lost.
Karnataka
Deposit escalates from ₹10K (R1) to ₹1L (R2). Mop-up exit = forfeiture + penalty. No published forfeiture list.
Rajasthan — ₹5L NRI Risk
One NRI student walking away from R3 = ₹5,00,000 forfeited. Highest UG deposit in India.
State counselling — 2025 allotment data (4 states)
UG Deposit Forfeiture: What the 2025 Allotment Lists Show
We parsed per-candidate R1+R2+R3 allotment lists from 4 state counselling bodies — 41,000+ candidate journeys. Anyone allotted in R1 at College A and allotted in R2 at College B forfeited their R1 deposit. These are the actual counts.
39.1%
Karnataka (KEA)
3,952 of 10,100
3,952 of 10,100
33.3%
Maharashtra (CAP)
2,971 of 8,922
2,971 of 8,922
25.4%
Tamil Nadu (DME)
2,038 of 8,265
2,038 of 8,265
78
Uttar Pradesh
debarred (official)
debarred (official)
| State | Candidates tracked | R1→R2 deposit forfeitures | Rate | Deposit at risk |
|---|---|---|---|---|
| Karnataka (KEA) | 10,100 | 3,952 | 39.1% | ₹10K govt → ₹1L pvt (escalates each round) |
| Maharashtra (CAP) | 8,922 | 2,971 | 33.3% | ~₹5K–₹1L depending on college type |
| Tamil Nadu (DME) | 8,265 | 2,038 | 25.4% | ₹30K (SF colleges); nil for govt GQ seats |
Govt seat holders move more, not less
Counterintuitive finding: candidates allotted govt seats in R1 are the most likely to move in R2 — not private seat holders. In Karnataka, 52% of govt-seat R1 allottees moved in R2 vs 25% for private. In Maharashtra, SC category candidates had the highest move rate (44%). The deposit is lower for govt seats, which makes exit cheaper and more rational.
| State | Category / Quota | Move Rate (R1→R2) | What this means |
|---|---|---|---|
| Karnataka | Govt seats | 52% | Half of govt R1 allottees moved — cheap deposit enables rational exit |
| Karnataka | Private seats | 25% | Higher deposit (₹1L) deters exit |
| Tamil Nadu | GQ (Govt Quota) | 30% | GQ holders exit for better GQ option in R2 |
| Tamil Nadu | MQ (Mgmt Quota) | 15% | Higher fee → higher deposit → fewer exits |
| Maharashtra | SC category | 44% | SC candidates use R2 upgrade right heavily |
| Maharashtra | I.Q. (Institutional) | 11% | Lowest exit rate — limited alternatives |
Source: Per-candidate R1+R2+R3 allotment PDFs — TN DME GQ/MQ lists, KEA Karnataka allotment lists, Maharashtra CAP allotment lists. Deposit forfeiture = candidate allotted at College A in R1, allotted at College B in R2 (took new seat). Data: 2025 counselling cycle.
The national picture
Estimated UG Forfeiture: ₹7–15 Crores/Year
| Source | Students | Per Student | Total |
|---|---|---|---|
| MCC AIQ exits (R2+ non-joiners) | ~800 | ₹10,000 | ~₹80 Lakhs |
| MCC Deemed exits (R2+ non-joiners) | ~200–400 | ₹2,00,000 | ₹4–8 Crores |
| UP debarred (official data) | 78 | ₹1.7L avg | ₹1.35 Crores |
| Other states combined | 500–1,000 | ₹30K–₹1L | ₹1.5–5 Crores |
| Total UG forfeiture | 1,500–2,000+ | ₹7–15 Crores |
The deemed deposit is the heavyweight
Even 200 students walking away from deemed seats = ₹4 Crores. That single line item likely accounts for 50%+ of total national forfeiture.
NEET PG — Hard data from 4 states
PG Counselling Forfeitures: ₹4.6 Crores Confirmed
PG counselling deposits are often higher than UG. We tracked official forfeiture data from 4 states — the numbers are staggering.
₹2.25Cr
Andhra Pradesh
156 students
156 students
₹1.17Cr
Gujarat
~470 students
~470 students
~₹1.5Cr
Uttar Pradesh
148 debarred
148 debarred
₹70L
Chhattisgarh
87 students
87 students
| State | Forfeited Students | Deposit Range | Total Forfeited | Source |
|---|---|---|---|---|
| Andhra Pradesh | 156 | ₹50K – ₹3L | ₹2.25 Crores | NTR UHS Official |
| Gujarat | ~470 | ₹25,000 | ₹1.17 Crores | ACPPGMEC PDFs |
| Uttar Pradesh | 148 | ₹30K – ₹2L | ~₹0.5–2.5 Crores | UP DGME |
| Chhattisgarh | 87 | ₹12.5K – ₹2L | ~₹70 Lakhs | CG State Official |
| Total (4 states only) | 861+ | ₹4.6–6.6 Crores |
This is from just 4 of 28+ states
India has 28 state counselling bodies plus MCC running PG counselling. The true national PG forfeiture is likely ₹50–100 Crores annually.
NEET PG — Bond obligations across 21 states
Service Bonds: 305 Govt Institutes with Verified Bond Data
Most NEET PG government seats come with a service bond — a mandatory post-graduation obligation to work in govt / rural / designated facilities. Breaking it means paying a lump-sum penalty. This is separate from the counselling deposit. Both can apply simultaneously.
Bond ≠ Deposit
The counselling deposit (₹10K–₹3L) is paid before allotment to participate. The service bond (₹5L–₹59L) kicks in after you join and then resign or don't serve. They are entirely separate obligations — and both can be triggered on the same student.
| State | Institutes | Bond Range | Obligation Type |
|---|---|---|---|
| Andaman and Nicobar Islands | 2 | ₹1000000 | InstitutionalService, RuralService |
| Andhra Pradesh | 2 | ₹300000 – ₹5000000 | DropoutPenalty, RuralService |
| Arunachal Pradesh | 1 | ₹5000000 | RuralService |
| Assam | 5 | ₹500000 – ₹2500000 | InstitutionalService, RuralService, RuralService, RuralService, RuralService |
| Bihar | 1 | ₹1000000 | InstitutionalService |
| Dadra and Nagar Haveli | 1 | ₹5000000 | RuralService |
| Delhi | 14 | ₹300000 – ₹5750000 | InstitutionalService, InstitutionalService, InstitutionalService, InstitutionalService, InstitutionalService, InstitutionalService, InstitutionalService, InstitutionalService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
| Gujarat | 21 | ₹1000000 – ₹40000000 | InstitutionalService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
| Haryana | 1 | ₹1000000 | InstitutionalService |
| Jharkhand | 2 | ₹2500000 – ₹3000000 | RuralService, RuralService |
| Karnataka | 41 | ₹1000000 – ₹5000000 | Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, Ka State Govt Hospital Service, InstitutionalService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
| Kerala | 3 | ₹1000000 – ₹5000000 | InstitutionalService, RuralService, RuralService |
| Madhya Pradesh | 20 | ₹1000000 – ₹2500000 | InstitutionalService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
| Maharashtra | 7 | ₹500000 – ₹5000000 | InstitutionalService, InstitutionalService, InstitutionalService, RuralService, RuralService, RuralService, RuralService |
| Mizoram | 1 | ₹2000000 | RuralService |
| Punjab | 36 | ₹1000000 – ₹3000000 | InstitutionalService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
| Rajasthan | 42 | ₹1000000 – ₹15000000 | InstitutionalService, InstitutionalService, InstitutionalService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
| Tamil Nadu | 4 | ₹1000000 – ₹5000000 | InstitutionalService, InstitutionalService, RuralService, RuralService |
| Telangana | 7 | ₹300000 – ₹5000000 | DropoutPenalty, DropoutPenalty, InstitutionalService, InstitutionalService, RuralService, RuralService, RuralService |
| Uttar Pradesh | 7 | ₹700000 – ₹5900000 | DropoutPenalty, InstitutionalService, InstitutionalService, InstitutionalService, InstitutionalService, RuralService, RuralService |
| West Bengal | 87 | ₹500000 – ₹3000000 | DropoutPenalty, DropoutPenalty, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService, RuralService |
Data from MCC PG college profiles + state notifications. ESI hospitals have separate bond framework and are excluded. Private / deemed institutes typically have no govt service bond — exception: Karnataka, where the 1-year rural service bond (KEA Annexure 1) applies to all PG graduates regardless of quota — Govt, Private, NRI, Management seats.
MCC Annexure C — Seat-Leaving Penalties
What MCC Tells Candidates Before They Join
MCC PG Annexure C documents contain seat-leaving penalty text for select institutes — the exact financial consequence of resigning after joining. These are binding commitments disclosed at the time of counselling.
Guntur Medical College, Guntur
Andhra Pradesh
Leave course mid-way: ₹3,00,000 + 18% GST payable to Dr. NTRUHS, Vijayawada + full stipend amount refund to Government. Source: MCC PG Annexure C other_info.
Anugrah Narayan Magadh Medical College, Gaya
Bihar
₹15,00,000 penalty for cancellation/resignation of allotted seat after final round of counseling. Bihar Govt Notification No. 450(1), Dt. 15.04.2017. Source: MCC PG Annexure C other_info.
Indira Gandhi Institute of Medical Sciences, Sheikhpura, Patna, Bihar-800014
Bihar
Paraclinical courses: ₹10L + full course fee charged if candidate leaves after final vacancy list. Clinical courses: ₹15L + full course fee. Source: MCC PG Annexure C other_info.
Government Medical College, Chandigarh
Chandigarh
₹20,00,000 penalty recovered from candidate on resignation. Source: MCC PG Annexure C other_info.
Hamdard Institute of Medical Sciences & Research, New Delhi
Delhi
Execute Bond/Affidavit to pay full course fee in event of discontinuation at any stage (any year). Source: Hamdard PG Prospectus 2025.
Maharishi Markandeshwar Institute of Medical Sciences & Research, Mullana, Ambala
Haryana
Institutional scholarship recipients must serve MMU Mullana for 1 year after course completion, or return scholarship amount. Source: community-verified, load_mcc_pg_bond_data manual entry.
Shaheed Nirmal Mahto Medical College & Hospital, Dhanbad (Prev. Patliputra Medical College, Dhanbad)
Jharkhand · Bond: ₹3000000
Forfeit total stipend received + ₹30,00,000 PG Bond + 3-year post-PG service bond. Source: MCC PG Annexure C other_info.
Datta Meghe Medical College, Nagpur
Maharashtra · Bond: ₹500000
Resign after cut-off: pay 3 years tuition fees in lieu of service. ₹5,00,000 refundable security deposit (condition: 1yr institutional service). Tuition fees increase by 5% annually. Source: Datta Meghe PG Prospectus 2025.
Grant Medical College, Mumbai
Maharashtra · Bond: ₹5000000
Resign after cut-off date: ₹10L for non-completion of Junior Residency tenure + additional ₹10L for lapse of seat. Service bond ₹50L for 1 year of service. Source: MCC PG Annexure C other_info.
Jawaharlal Nehru Medical College, Sawangi (Meghe), Wardha
Maharashtra · Bond: ₹500000
DMIHER group (same as Datta Meghe Medical College Nagpur): resign after cut-off → pay 3 years tuition fees in lieu of service. ₹5,00,000 security deposit (condition: 1yr institutional service at DMIHER). Tuition increases 5% annually. Source: Datta Meghe PG Prospectus 2025 + MCC bond doc (DMIHER group confirmed).
Khan Bahadur Bhabha Hospital, Kurla, Mumbai, Maharashtra-400070
Maharashtra
Resign after cut-off date: ₹10L for non-completion of Junior Residency + additional ₹10L for lapse of seat. Service bond ₹50L for 1 year. Source: MCC PG Annexure C other_info.
Sri Bhausaheb Hire Government Medical College, Dhule
Maharashtra · Bond: ₹2000000
Fail to complete Junior Residency or opt out after cut-off date: ₹20,00,000 penalty as per Maharashtra Govt guidelines. Source: MCC PG Annexure C other_info.
Tata Memorial centre, Mumbai
Maharashtra · Bond: ₹2500000
Resign after final round of counseling: ₹10,00,000 + applicable GST. Fail to complete bond period: ₹25,00,000 + applicable GST. Source: MCC PG Annexure C other_info (Tata Memorial Centre).
Topiwala National Medical College, Mumbai
Maharashtra
₹20,00,000 penalty for lapse of PG seats after cut-off date as prescribed. Source: MCC PG Annexure C other_info.
Post Graduate Institute of Medical Education and Research & Capital Hospital, Bhubaneswar
Odisha
Resignation in mid-session: ₹5,00,000 bond money as per statutory provision of the state. Source: MCC PG Annexure C other_info.
Indira Gandhi Government General Hospital and PG Institute, Pondicherry-605001
Pondicherry
₹20,00,000 penalty recovered from candidate if resignation after counseling period. Source: MCC PG Annexure C other_info.
Civil Hospital, Agar Nagar, Malerkotla, Punjab-148023
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Barnala, Punjab-148101
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Gurdaspur, Punjab-143521
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Hoshiarpur, Punjab-146001
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Kapurthala
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Mansa, Punjab-151505
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Pathankot, Punjab-145001
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Ropar, Punjab-140001
Punjab · Bond: ₹3000000
2000000
Civil Hospital, Sultanpur Road, Kapurthala, Punjab-144601
Punjab · Bond: ₹3000000
2000000
District Hospital, Faridkot, Punjab-151203
Punjab · Bond: ₹3000000
2000000
District Hospital, Fazilka, Punjab-152123
Punjab · Bond: ₹3000000
2000000
District Hospital, Moga, Punjab-142001
Punjab · Bond: ₹3000000
2000000
District Hospital, Mohali
Punjab · Bond: ₹3000000
2000000
District Hospital, Phase 6, SAS Nagar, Punjab-160055
Punjab · Bond: ₹3000000
2000000
District Hospital, SBS Nagar, Nawanshahr, Punjab-144514
Punjab · Bond: ₹3000000
2000000
District Hospital, Tarn Taran
Punjab · Bond: ₹3000000
2000000
Dr BR Ambedkar State Institute of Medical Sciences, Phase-6, Sector 56, SAS Nagar (Mohali), Punjab-160055
Punjab · Bond: ₹3000000
2000000
Dr. B.R. Ambedkar State Institute of Medical Sciences, Mohali
Punjab · Bond: ₹3000000
2000000
Government Medical College, Amritsar
Punjab · Bond: ₹3000000
2000000
Government Medical College, Patiala
Punjab · Bond: ₹3000000
2000000
Guru Gobind Singh Medical College, Faridkot
Punjab · Bond: ₹3000000
2000000
Guru Govind Singh Medical College, Faridkot
Punjab · Bond: ₹3000000
2000000
Homi Bhabha Cancer Hospital and Research Center, New Chandigarh
Punjab · Bond: ₹3000000
2000000
Homi Bhabha Cancer Hospital, Sangrur, Punjab
Punjab · Bond: ₹3000000
2000000
Institute of Mental Health, Amritsar, Punjab-143001
Punjab · Bond: ₹3000000
2000000
JBMM District Hospital, Amritsar, Punjab-143001
Punjab · Bond: ₹3000000
2000000
Lord Mahavir Civil Hospital, Ludhiana, Punjab-141008
Punjab · Bond: ₹3000000
2000000
Mata Kaushalya Governement Hospital, Patiala, Punjab-147001
Punjab · Bond: ₹3000000
2000000
Mata Kaushalya Govt Hospital, Patiala
Punjab · Bond: ₹3000000
2000000
Netaji Subhas National Institute of Sports Medicine, Patiala
Punjab · Bond: ₹3000000
2000000
SBLS Civil Hospital, Jalandhar, Punjab-144001
Punjab · Bond: ₹3000000
2000000
SDH Phagwara
Punjab · Bond: ₹3000000
2000000
SDH Rajpura, Rajpura Town, Punjab-140401
Punjab · Bond: ₹3000000
2000000
Shaheed Bhai Mani Singh District Hospital, Bathinda, Punjab-151001
Punjab · Bond: ₹3000000
2000000
Sub Divisional Hospital, Chahal Nagar, GT Road, Phagwara, Punjab-144401
Punjab · Bond: ₹3000000
2000000
District Hospital, Baran, Rajasthan-325205
Rajasthan · Bond: ₹15000000
1000000
District Hospital, Dholpur, Rajasthan-328001
Rajasthan · Bond: ₹15000000
1000000
District Hospital, Pratapgarh, Rajasthan-312605
Rajasthan · Bond: ₹15000000
1000000
District Hospital, Sirohi, Rajasthan-307001
Rajasthan · Bond: ₹15000000
1000000
Dr SN Medical College, Jodhpur
Rajasthan · Bond: ₹15000000
1000000
General Hospital, Jalore, Rajasthan-343001
Rajasthan · Bond: ₹15000000
1000000
General Hospital, Karauli, Rajasthan-322241
Rajasthan · Bond: ₹15000000
1000000
Goverment District Hospital Bundi, Bundi, Rajasthan-323001
Rajasthan · Bond: ₹15000000
1000000
Government Amrit Kaur Hospital, Ajmer, Rajasthan-305901
Rajasthan · Bond: ₹15000000
1000000
Government BDK Hospital, Jhunjhunu, Rajasthan-333001
Rajasthan · Bond: ₹15000000
1000000
Government DB General District Hospital, Churu, Rajasthan-331001
Rajasthan · Bond: ₹15000000
1000000
Government District Civil Hospital, Sri Ganganagar, Rajasthan-335001
Rajasthan · Bond: ₹15000000
1000000
Government District Hospital, Ajmer, Rajasthan-305404
Rajasthan · Bond: ₹15000000
1000000
Government District Saadat Hospital, Tonk, Rajasthan-304001
Rajasthan · Bond: ₹15000000
1000000
Government General Hospital, Madhopur, Rajasthan-322001
Rajasthan · Bond: ₹15000000
1000000
Government Hospital, Barmer, Rajasthan-344001
Rajasthan · Bond: ₹15000000
1000000
Government Mahatma Gandhi District Hospital, Banswara, Rajasthan-327001
Rajasthan · Bond: ₹15000000
1000000
Government Medical College and Associated Group of Hospitals, Dungarpur, Rajasthan-314001
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Bharatpur
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Bhilwara
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Churu
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Dungarpur
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Kota
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Pali
Rajasthan · Bond: ₹15000000
1000000
Government Medical College, Rampura, Bharatpur, Rajasthan-321001
Rajasthan · Bond: ₹15000000
1000000
Government RDBP Jaipuria Hospital, Jaipur, Rajasthan-302018
Rajasthan · Bond: ₹15000000
1000000
JLN Government Hospital, Nagaur, Rajasthan-341001
Rajasthan · Bond: ₹15000000
1000000
Jawaharlal Nehru Medical College, Ajmer
Rajasthan · Bond: ₹15000000
1000000
Jhalawar Medical College, Jhalawar
Rajasthan · Bond: ₹15000000
1000000
MGM Government District Hospital, Hanumangarh, Rajasthan-335513
Rajasthan · Bond: ₹15000000
1000000
RK Government District Hospital, Rajsamand, Rajasthan-313324
Rajasthan · Bond: ₹15000000
1000000
RNT Medical College, Udaipur
Rajasthan · Bond: ₹15000000
1000000
RUHS College of Medical Sciences, Jaipur
Rajasthan · Bond: ₹15000000
1000000
Rajiv Gandhi Government General Hospital, Alwar, Rajasthan-301001
Rajasthan · Bond: ₹15000000
1000000
SK Government Hospital, Sikar, Rajasthan-332001
Rajasthan · Bond: ₹15000000
1000000
SMS Medical College, Jaipur
Rajasthan · Bond: ₹15000000
1000000
SSG Government District Hospital, Chittorgarh, Rajasthan-312001
Rajasthan · Bond: ₹15000000
1000000
Sardar Patel Medical College, Bikaner
Rajasthan · Bond: ₹15000000
1000000
Shri Ramkaran Joshi Government District Hospital, Dausa, Rajasthan-303303
Rajasthan · Bond: ₹15000000
1000000
Homi Bhabha Cancer Hospital, Varanasi, Uttar Pradesh-221002
Uttar Pradesh · Bond: ₹2500000
Resign after final round of counseling: ₹10,00,000 + applicable GST. Fail to complete bond period: ₹25,00,000 + applicable GST. (TMC unit — same terms as Tata Memorial Centre Mumbai.) Source: MCC PG Annexure C other_info.
Sanjay Gandhi Postgraduate Institute of Medical Sciences, Lucknow
Uttar Pradesh · Bond: ₹4000000
PG degree students execute 2-year compulsory service bond (₹40,00,000) to serve UP State Govt after course completion. Source: MCC PG Annexure C other_info.
AIIH&PH, Kolkata
West Bengal · Bond: ₹500000
500000
All India Institute of Hygiene & Public Health, Kolkata
West Bengal · Bond: ₹500000
500000
Burdwan Medical College, Burdwan
West Bengal · Bond: ₹3000000
Degree discontinuation bond: ₹5,00,000. Diploma discontinuation bond: ₹2,00,000. Service bond: ₹10,00,000. Source: MCC PG Annexure C other_info.
School of Tropical Medicine, Kolkata
West Bengal · Bond: ₹3000000
500000
Source: MCC PG Annexure C other_info field, parsed from official MCC PG college profiles. 96 institutes with explicit penalty text.
Chhattisgarh deep dive
Chhattisgarh NEET PG 2025: 87 Forfeitures, 1,107 Refunds
CG published the full candidate-level refund and forfeiture list — one of the most transparent states. Here's what the data reveals.
| Deposit Tier | Who Pays | Refunded | Forfeited |
|---|---|---|---|
| ₹12,500 | SC / ST / BC candidates | ~340 | ~30 |
| ₹25,000 | General category | ~279 | ~25 |
| ₹2,00,000 | College seat deposit (private/NRI) | ~490 | ~30 |
| Forfeiture by Seat Type | Count | What It Means |
|---|---|---|
| SO — State Open (Govt) | 63 | Got govt seat, joined better option elsewhere |
| SN — State Private | 16 | Got private seat, chose not to join |
| NN — Non-domicile NRI | 10 | Students from outside CG who registered but never came |
Rank 1,930 forfeited ₹25K
A top-performing student who clearly got allotted to a better seat in MCC or another state. The deposit became the cost of keeping options open.
10 non-domicile NRI forfeitures
Students from outside Chhattisgarh registered for NRI seats at ₹2L each, then didn't report. ₹20 Lakhs gone — likely joined seats in their home states.
Andhra Pradesh deep dive
AP NEET PG 2025: ₹2.25 Crores Forfeited
The largest confirmed PG forfeiture from a single state. AP's two-tier deposit system means management quota students lost ₹3 Lakhs each.
| Deposit Tier | Candidates | Joined | Refunded | Forfeited |
|---|---|---|---|---|
| ₹50,000 (CA Quota) | 2,471 | 1,562 | 812 | 97 |
| ₹3,00,000 (Mgmt Quota) | 1,440 | 703 | 678 | 59 |
| Total | 3,911 | 2,265 | 1,490 | 156 |
59 students lost ₹3 Lakhs each
That's ₹1.77 Crores from management quota alone. Most were Phase-3 (Mop-up round) forfeitures — when state mop-up clashes with MCC rounds.
Gujarat deep dive
Gujarat NEET PG 2025: ~470 Forfeitures
Gujarat publishes round-wise non-reporting lists — the most transparent state. Even Rank 276 (BJ Medical College, MD Gen Med) left Gujarat for a better option.
| Round | Forfeited Count | Per Student | Total |
|---|---|---|---|
| Round 2 (Cancelled seats) | ~225 | ₹25,000 | ~₹56 Lakhs |
| Round 3 (Non-reporting) | ~197 | ₹25,000 | ~₹49 Lakhs |
| Round 4 (Non-reporting) | ~48 | ₹25,000 | ~₹12 Lakhs |
| Total | ~470 | ~₹1.17 Crores |
Protect your money
How to Minimise Your Financial Risk
1. Know your rank band
Under 30K? You likely don't need the deemed option at MCC. Save ₹1,90,000 in deposit risk.
2. Calculate total exposure
Add up MCC + state + any second state. Know the exact number before you pay.
3. Use R1 as exploration
R1 is free exit everywhere. See what you get, then decide where to commit for R2.
4. Plan your exit before R2
If allotted in both MCC and state R2, you must choose one. Know which deposit you'll forfeit BEFORE the deadline.
5. Never enter Stray casually
Stray = compulsory join. Non-joining = deposit forfeiture + debarred from NEET next year.
6. Don't add private "just in case"
That checkbox doubles your deposit. Decide your govt vs private threshold before counselling starts.
| Your situation after R1 | Recommended action |
|---|---|
| Good govt seat in MCC R1 | Take it. Free-exit state if state R1 was worse. |
| Good state seat, nothing from MCC | Free-exit MCC. Commit to state from R2. |
| Seats in both — state is better | Free-exit MCC. Commit to state. |
| Nothing in either R1 | Re-evaluate. Is the ₹2L deemed deposit worth R2 risk? |
| Deemed seat in MCC R2, state R2 might be better | The ₹2L decision. Exit MCC → ₹2L gone. Exit state → state deposit gone. |
The single best thing you can do is plan your exit strategy before R2 starts — not after you see your allotment.
Make better counselling decisions
800 college profiles with round-by-round data. Mock counselling to simulate every decision. Behavioral intelligence from 39,478 candidate journeys.
4 decisions between you and a seat
JUL · Choose
JUL · Hold
AUG · Compare
AUG · Decide
Everything on this page is Decision 4 — which deposit to release. That decision is irreversible. The companion tracks the math at each step.
Your decisions decide your outcome →
Data from MCC NEET UG/PG 2025 Information Bulletins, UP DGME official notifications,
NTR UHS Andhra Pradesh, ACPPGMEC Gujarat, CG State NEET PG official PDFs,
state counselling authority prospectuses (Rajasthan, Karnataka, Tamil Nadu, MP, Maharashtra, Haryana, Telangana).