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Scenario A
Scenario B

Why these numbers surprise most families

Most families only compare tuition. These are the costs that change the entire picture.

₹10L – ₹1 Cr
Service bond penalty if broken

Government colleges require 1–7 years of rural service after MBBS. A seat with low tuition can still carry this liability.

₹5L – ₹50L
Capital locked at admission

Private and deemed colleges hold a security deposit for the full 5.5 years — refundable capital with opportunity cost.

40 – 60%
Of private college cost is not tuition

Hostel, mess, exam fees, development charges, and registration together match or exceed tuition over 5.5 years.

Understanding the numbers

A bank guarantee is a refundable security deposit that private and deemed medical colleges require at admission. The underlying amount typically remains frozen for 5.5 years.

Most government medical colleges require graduates to serve in rural or underserved areas for 1 to 7 years after MBBS. Breaking the bond incurs a state-set penalty.

Caution deposits and bank guarantees are typically refundable after course completion. Tuition, hostel, mess, exam fees, development charges, and registration are not.

No. Students still pay hostel, mess, exam, and development fees, and may face a large service bond penalty.

Career Plan B · Medical Admissions

Your financial exposure depends on variables this calculator cannot capture.

Career Plan B has counselled MBBS admissions for 16 years. A 15-minute call makes this knowledge specific to your family’s situation.

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