🔬 MD/MS — Quick Facts 2026
Full name: Doctor of Medicine (MD) / Master of Surgery (MS) · Duration: 3 years (Junior Residency) · NEET: NEET-PG mandatory · Regulator: National Medical Commission (NMC) · Counselling: MCC (AIQ) + KEA PG (Karnataka state quota) + College-level management quota · Stipend: ₹50,000–₹70,000/month at government colleges · Bond: Mandatory service bond at most government PG colleges · Official counselling: mcc.nic.in (AIQ) and cetonline.karnataka.gov.in (state quota)
MD/MS Eligibility — Karnataka 2026
- Degree: MBBS from an NMC-recognised medical college
- Internship: 1-year compulsory rotating internship completed before admission
- NEET-PG: Mandatory — minimum qualifying percentile: 50th (General), 40th (SC/ST/OBC/PWD)
- Registration: Valid registration with Medical Council of India (MCI) or State Medical Council
- Karnataka domicile: Required for state quota through KEA PG counselling
Three Admission Routes — MD/MS Karnataka 2026
| Route | Seats | Process | Who qualifies |
|---|---|---|---|
| MCC AIQ Counselling | 50% of government college PG seats | Online at mcc.nic.in — national competition | All India MBBS graduates with NEET-PG |
| KEA PG State Quota | 50% of government college PG seats | Online at cetonline.karnataka.gov.in | Karnataka domicile MBBS graduates |
| Management Quota | Private deemed university seats | Direct to college — outside KEA/MCC | Any NEET-PG qualified candidate |
MD/MS Fees — Karnataka Colleges 2025–26
| College | City | Type | Annual Fee (Approx) | 3-Year Total |
|---|---|---|---|---|
| Government Medical Colleges (BMCRI, KIMS, MMC&RI etc.) | Various | Government (RGUHS) | ₹25,000–₹1L | ₹75,000–₹3L + stipend paid |
| Kasturba Medical College (KMC), Manipal | Mangalore | Deemed (MAHE) | ₹15–25L | ₹45–75L |
| MS Ramaiah Medical College | Bangalore | Deemed (RUAS) | ₹10–20L | ₹30–60L |
| JSS Medical College | Mysuru | Deemed (JSS Academy) | ₹8–15L | ₹24–45L |
| Yenepoya Medical College | Mangalore | Deemed (Yenepoya) | ₹8–14L | ₹24–42L |
| Father Muller Medical College | Mangalore | Private (RGUHS) | ₹7–12L | ₹21–36L |
| KLE Academy (JNMC) | Belagavi | Deemed (KLE Academy) | ₹7–12L | ₹21–36L |
Fees vary significantly by specialty — Radiology, Dermatology, Orthopaedics command higher management quota fees than non-clinical specialties. Government college fees are nominal but seats require NEET-PG state quota cutoff. Always verify specialty-wise 2026–27 fees directly with the college.
Specialty-Wise NEET-PG Cutoff — Karnataka (Approximate)
| Specialty | Demand Level | Approx NEET-PG Percentile (General) |
|---|---|---|
| Radiodiagnosis (Radiology) | 🔴 Very High | 98th+ percentile |
| Dermatology, Venereology & Leprosy | 🔴 Very High | 97th+ percentile |
| Ophthalmology | 🔴 High | 95th+ percentile |
| Orthopaedics (MS) | 🔴 High | 94th+ percentile |
| General Medicine (MD) | 🟠 Moderate-High | 90th+ percentile |
| Paediatrics (MD) | 🟠 Moderate | 88th+ percentile |
| Obstetrics & Gynaecology (MS/MD) | 🟠 Moderate | 87th+ percentile |
| General Surgery (MS) | 🟠 Moderate | 85th+ percentile |
| Anaesthesia (MD) | 🟡 Moderate | 80th+ percentile |
| Psychiatry (MD) | 🟡 Moderate | 78th+ percentile |
| Community Medicine (MD) | 🟢 Accessible | 55th+ percentile |
| Anatomy, Physiology, Biochemistry | 🟢 Most accessible | 50th+ percentile |
Cutoffs are approximate based on recent NEET-PG counselling data. State quota cutoffs via KEA PG are typically 5–15 percentile points lower than AIQ for the same specialty. Verify post-NEET-PG 2026 results at mcc.nic.in and cetonline.karnataka.gov.in.
Stipend and Service Bond — Government MD/MS
Stipend at Karnataka government medical colleges: MD/MS residents receive monthly stipend — Junior Resident Year 1 approximately ₹50,000–₹60,000/month; Year 2 ₹55,000–₹65,000/month; Year 3 ₹60,000–₹70,000/month. Stipend amounts are subject to government revision.
Service bond: Most Karnataka government PG seats carry a 1–2 year mandatory rural/government service bond post-MD/MS completion. Penalty for non-completion: ₹20–50 lakhs depending on college and specialty. This is separate from the MBBS bond if the candidate studied MBBS at a government college.
⚠ Bond vs Management Quota decision: If you plan to enter private specialist practice or go abroad immediately after MD/MS, a management quota seat at a private college — despite higher fees — avoids the service bond. Government seats have lower fees and stipend but lock you into bond service. Plan this decision before accepting any seat.
Popular MD/MS Specialties — Career and Salary
- Radiology (MD): ₹2–8L/month in private radiology practice; tele-radiology enables work from anywhere
- Dermatology (MD): ₹1.5–5L/month; high demand for aesthetic dermatology in Bangalore
- Orthopaedics (MS): ₹1–4L/month; strong demand with aging population and sports injuries
- General Medicine / Internal Medicine (MD): Foundation for super-specialisation (DM); ₹80K–₹3L/month
- Obstetrics & Gynaecology (MS/MD): ₹80K–₹3L/month; essential specialty, good private practice
- Paediatrics (MD): ₹60K–₹2L/month; strong in Tier 2 Karnataka cities
- Anaesthesia (MD): ₹80K–₹2.5L/month; strong demand as surgeries increase
MD/MS Karnataka — Common Questions
Cutoffs vary sharply by specialty. High-demand: Radiology 98th+, Dermatology 97th+, Ophthalmology 95th+, Orthopaedics 94th+ percentile. Moderate: General Medicine 90th+, Paediatrics 88th+, General Surgery 85th+. Accessible: Community Medicine 55th+, Anatomy/Physiology 50th+. Karnataka state quota via KEA PG is typically 5–15 percentile lower than AIQ for the same specialty. Verify after NEET-PG 2026 results at mcc.nic.in and cetonline.karnataka.gov.in.
Yes. Management quota MD/MS seats are available at Karnataka's deemed universities — KMC Manipal (₹45–75L total), MS Ramaiah (₹30–60L), JSS Mysuru (₹24–45L), Yenepoya (₹24–42L), KLE JNMC (₹21–36L), Father Muller (₹21–36L). NEET-PG qualification is mandatory. Fees vary by specialty — surgical specialties command higher fees. Always pay directly to the college. We track management quota seat availability in real time.
Karnataka state quota PG (50% of government college seats): Register on CEtonline.karnataka.gov.in after NEET-PG results. Participate in online choice-filling and allotment rounds. Requires Karnataka domicile. Allotment based purely on NEET-PG rank and specialty preference. For private college institutional quota and deemed university management quota, approach colleges directly. We help with both KEA PG registration and management quota coordination simultaneously.
Government medical colleges: Year 1 ₹50,000–₹60,000/month, Year 2 ₹55,000–₹65,000/month, Year 3 ₹60,000–₹70,000/month. Subject to government revision. Private/deemed university residency: ₹15,000–₹35,000/month, or no stipend at some colleges. Always confirm stipend terms before accepting admission — this significantly affects the real cost of management quota (fees minus 3-year stipend).
Government PG seats typically carry a 1–2 year mandatory rural/government service bond after MD/MS completion. Penalty for non-completion: ₹20–50 lakhs depending on college and specialty. If you plan to go abroad or directly into private practice after MD/MS, factor this into your decision. Management quota at private colleges avoids the bond but has significantly higher fees. We help you calculate the real-cost comparison.
Government: BMCRI Bangalore, MMC&RI Mysuru, KIMS Hubli — RGUHS, lowest fees, stipend, highest competition. Deemed (management quota): KMC Manipal (MAHE) — NIRF ranked, extensive specialties, research strength; JSS Mysuru — strong clinical programme; MS Ramaiah Bangalore — good Bangalore industry connections; Yenepoya/Father Muller Mangalore — clinical volume. Choice depends on your NEET-PG score, target specialty, budget and whether you want to avoid a service bond.