AIIMS PG Stipend 2026: Institute-Wise Junior Resident Salary After INI-CET

Scoring a seat in AIIMS or any other Institute of National Importance would have its fair share of advantages - rich academics, clinical exposure, and the prestige of the institute being some of the obvious reasons.

But what many aspirants may think about before making their final decision is: how much will I actually earn every month as a PG resident?

The amount mentioned as a “PG stipend” is not always reflective of what actually hits a resident’s bank account. Basic pay, DA, NPA, HRA, hostel accommodation, NPS or PF contributions, and income-tax deductions, etc., can all play a part.

This guide offers the approximate salary or in-hand amount of PG residents at major AIIMS and other INIs, based on information from institute documents, government information, published salary records, and resident-reported figures.

AIIMS PG Stipend 2026: What Does a PG Resident Actually Earn?

For those working in central government institutes, the starting basic pay would be Rs 56,100 in Level 10 of the 7th CPC, with applicable allowances on top of this.

For instance, the Junior Resident recruitment notification published by AIIMS Bhubaneswar mentions Level 10 with entry pay of Rs 56,100 plus applicable allowances. Similarly, a Rs 56,100 basic pay is mentioned in the 2026 Junior Resident notification from AIIMS Raipur, along with the usual applicable allowances including NPA.

So, when you see figures of ~1.1-1.3 lakh being quoted for AIIMS or INI residents, it is best to think of these as an approximate gross remuneration range and not that the same amount would actually be credited to every resident’s account.

Why Does AIIMS PG In-Hand Salary Differ?

The final amount can vary for several reasons.

Your basic pay and annual increments have an impact, as does the prevailing Dearness Allowance. Non-Practising Allowance may apply in eligible cases.

HRA can also make a noticeable difference, particularly for those who are eligible for it and do not stay in institute accommodation.

Then come the deductions.

NPS or PF contributions, hostel-related deductions, TDS or income tax, and other institute-specific deductions can all reduce the amount that actually reaches your bank account.

Accommodation is particularly relevant when comparing salaries. AIIMS rules stipulate that residents staying in hostel accommodation cannot claim HRA under the applicable provisions.

This is why two residents working in the same institute can sometimes receive different amounts in their bank accounts, even though they fall under the same basic pay structure.

How Is the Approximate AIIMS PG In-Hand Salary Estimated?

The figures discussed here should be seen as approximate monthly in-hand amounts and not as fixed stipend figures.

Where an institute has published actual salary or remuneration information, this is given more weight. In places where only the government pay scale is available, the likely in-hand amount has been estimated by considering the usual allowances and commonly reported deductions.

PGIMER Chandigarh, for example, published salary information for January 2026 showing Junior Residents with gross salaries of ~1.15-1.30 lakh. The corresponding net amounts in the examples came to approximately 1.08-1.21 lakh.

Resident discussions also show that the amount can vary depending on HRA and deductions, so an online statement such as “AIIMS stipend is Rs 1.2 lakh” should not automatically be taken to mean that every resident receives exactly Rs 1.2 lakh in their account every month.

Gross Salary vs In-Hand Salary: What Is the Difference?

Gross salary is not the same as in-hand salary.

That distinction matters when comparing institutes. For this reason, the discussion below focuses mainly on the approximate amount a PG resident may actually receive each month.

Note: Actual payments during 2026-27 can vary depending on DA revisions, HRA eligibility, institute-specific rules, and individual deductions.

Anyone making a final counselling or career decision should check the latest salary notification issued by the concerned institute.

AIIMS & INI PG Stipend 2026: Institute-Wise In-Hand Salary

Most centrally funded institutes broadly follow the 7th CPC pay structure that is applicable to them; hence, most salary structures will look similar.

What varies is the final amount that gets credited to the resident.

HRA eligibility, hostel accommodation, NPS or PF, TDS and other deductions can all make a difference. Therefore, it makes more sense to look at an approximate monthly range rather than treating one number as the fixed stipend for every institute.

Approximate Monthly In-Hand Salary

These are approximate 2026 monthly in-hand ranges and should not be interpreted as fixed salaries. The amount actually credited can vary depending on HRA, hostel status, NPS or PF, TDS, and other deductions. Pasted markdown

Why Does PG Salary Vary Across AIIMS and Other INIs?

There can be a surprising amount of variation even among residents working in the same institute.

The official PGIMER salary disclosure for January 2026, for example, showed Junior Residents with gross salaries of Rs 1,18,500 and Rs 1,30,400 in the reported examples, and corresponding net amounts of Rs 1,11,300 and Rs 1,21,200 after the listed deductions.

AIIMS Raipur’s March 2026 salary disclosure also illustrates the same point - the postgraduate Junior Residents listed there had basic pay of Rs 56,100 or Rs 59,500, and total earnings in the reported examples ranging from ~1.18 lakh to 1.30 lakh.

JIPMER’s 2026 Junior Resident notification mentions a basic pay of Rs 56,100 at Level 10, along with applicable allowances including NPA, and states a total remuneration of approximately 1.10 lakh per month.

Resident-reported figures can be different again. Recent discussions have mentioned ~1.20 lakh for PG1 at some AIIMS, ~1.24 lakh at AIIMS Bhubaneswar, and ~1.17 lakh credited at AIIMS Patna. These numbers help understand what residents may actually receive, but should be seen as individual reports rather than official fixed salary figures.

AIIMS Delhi PG Stipend: How HRA Affects In-Hand Salary

AIIMS New Delhi deserves a separate mention because HRA can vary the final amount considerably for an eligible resident.

A resident who is eligible for HRA and does not occupy institute accommodation may receive a higher effective monthly amount. Recent resident discussions have mentioned HRA of approximately 20,000, although the actual entitlement will depend on the applicable rules and a resident’s accommodation status.

In contrast, those staying in hostel accommodation are not entitled to HRA under the applicable AIIMS rules.

So, saying “AIIMS stipend is 1.2 lakh” does not tell the complete story. The actual amount received every month will depend on the resident’s circumstances.

The easiest way to understand these differences is to look at how basic pay, DA, NPA and HRA eventually translate into the final amount credited after deductions.

How Is AIIMS PG Stipend Calculated?

The commonly quoted 1.1-1.3 lakh should not be thought of as a fixed “stipend.”

For most, a central institute’s starting basic pay with Level 10 would be 56,100. Applicable allowances are then added to this amount.

Deductions are then made, and this is why two residents who start with the same basic pay will not necessarily see the same amount credited to their accounts.

Basic Pay

The starting basic pay is generally 56,100.

This is the foundation of the salary structure and increases through annual increments as the resident progresses.

Dearness Allowance (DA)

DA is paid over and above the basic salary in accordance with the prevailing Central Government rate.

Since DA is revised periodically, the gross salary can change during the three years of residency.

Non-Practising Allowance (NPA)

NPA may be applicable to eligible medical officers or residents as per government rules and the rules of implementation by the concerned institute.

House Rent Allowance (HRA)

HRA is one of the factors that can make a noticeable difference to the amount received.

A resident who does not use government or institute accommodation can be eligible for HRA, subject to the applicable rules.

At AIIMS New Delhi, for example, the institute specifically states that Junior and Senior Residents staying in hostel accommodation are not eligible for HRA. Residents who do not stay in the hostel may be eligible, depending on the relevant rules and documentation.

Salary Deductions

The final amount credited to the account can be lower due to NPS or PF contributions, accommodation-related deductions, TDS or income tax and other applicable deductions. Pasted markdown

Official AIIMS and INI Salary Data: What Does It Show?

Online discussions can give you a rough idea of what residents earn, but official salary disclosures are more useful when trying to understand the actual range.

PGIMER Chandigarh’s January 2026 salary disclosure, for instance, lists Junior Residents with gross salaries of ~1.12-1.15 lakh in the relevant examples, with most of the listed residents receiving ~1.118-1.151 lakh net after the deductions shown for that month. One resident had a larger deduction and therefore received a lower net amount.

The AIIMS Raipur salary disclosure also shows postgraduate Junior Residents with a basic pay of 56,100 and total earnings of approximately 1.17 lakh in the reported data.

JIPMER’s February 2026 Junior Resident notification mentions 56,100 basic pay under Level 10 and states a total remuneration, including applicable allowances and NPA, of approximately 1.10 lakh per month.

These examples help explain why simply searching for an “AIIMS stipend” figure can sometimes produce confusing results.

How Much In-Hand Salary Should an INI-CET PG Resident Expect?

A practical way to look at the salary is to start with the 56,100 basic pay.

DA and other applicable allowances are added. NPA may apply depending on the rules. HRA depends on eligibility and accommodation status.

In many cases, the gross monthly amount works out to roughly 1.1-1.3 lakh.

After deductions, the normal in-hand amount may be around 1.0-1.2 lakh per month in many cases. Residents who are eligible for HRA may receive a higher amount, while those who stay in hostel accommodation may receive less as HRA is generally not payable.

These are only indicative figures and the actual amount reaching your bank account will depend on your individual deductions and accommodation status. Pasted markdown

Which AIIMS Offers the Highest PG Stipend?

It would be misleading to simply rank AIIMS campuses according to their “highest stipend.”

The reason is fairly simple - many of these institutes follow the same Central Government pay structure.

A better way to compare them is to look at the entire calculation:

Basic Pay → DA/NPA → HRA eligibility → Deductions → Final bank credit

AIIMS Delhi can have an advantage for a resident who is eligible for HRA and stays outside institutional accommodation. Recent resident discussions have mentioned HRA of roughly 20,000, but this should not be treated as a fixed official amount applicable to everyone.

More importantly, a difference of 5,000-10,000 in reported monthly salary should not automatically decide your institute preference.

Your specialty, clinical exposure, workload, academic environment, hostel availability, cost of living, and future career opportunities may matter much more over the course of a three-year residency.

Should PG Stipend Decide Your INI-CET College Preference?

Salary is certainly worth considering, but it should not be the only thing driving your institute preference.

Consider a simple example - one institute may offer approximately 1.10 lakh in hand but provide affordable hostel accommodation. Another may offer 1.20 lakh, but if you have to spend 25,000-30,000 every month on outside accommodation, the difference may disappear quickly.

Before choosing an institute, look beyond the headline stipend and consider:

• Approximate in-hand salary
• Hostel availability and charges
• HRA eligibility
• Cost of living
• Clinical workload and patient volume
• Department strength
• Academic exposure
• Operative and procedural exposure
• Research opportunities
• Fellowship and superspeciality opportunities
• Work-life balance
• Location and connectivity

These factors can have a much greater impact on your residency experience than a relatively small difference in monthly salary. Pasted markdown

Frequently Asked Questions

What Is the Starting Basic Pay for an AIIMS PG Resident?

The starting basic pay for many Junior Resident positions at central institutes is Rs 56,100 at Level 10 of the 7th CPC, with applicable allowances added according to institute and government rules.

How Much Is the AIIMS PG In-Hand Salary Per Month?

Many PG residents may receive approximately Rs 1.0-1.2 lakh per month in hand, although the actual amount can vary depending on HRA, hostel accommodation, NPS or PF, TDS and other deductions.

Why Is AIIMS Gross Salary Different From In-Hand Salary?

Gross salary includes basic pay and applicable allowances before deductions.

In-hand salary is the amount credited after deductions such as NPS or PF, TDS, accommodation-related charges and other applicable deductions.

Do AIIMS Residents Staying in Hostels Receive HRA?

Residents staying in institute accommodation may not be eligible for HRA under the applicable rules.

HRA eligibility therefore depends on accommodation status and institute provisions.

Which AIIMS Gives the Highest PG Stipend?

There is no simple answer because many centrally funded institutes broadly follow a similar government pay structure.

The final in-hand amount can differ because of HRA eligibility, accommodation and individual deductions.

Should You Choose an AIIMS Based on PG Stipend?

Stipend is worth considering, but specialty, clinical exposure, patient load, academics, hostel costs, department strength, research opportunities and future career prospects can have a greater effect on the overall residency experience.

Final Takeaway: AIIMS PG Stipend and In-Hand Salary

For PG residents at AIIMS and other INIs, the salary is generally structured around the Central Government pay system and not as a small fixed “stipend.”

The starting basic pay of 56,100 along with applicable allowances can bring the gross monthly remuneration to the 1.1-1.3 lakh range, but that does not mean every resident will receive the same amount in their bank account. HRA eligibility, hostel accommodation, NPS or PF, TDS and other deductions can all change the final figure. Official salary disclosures from institutes such as PGIMER and AIIMS Raipur also show why the amount can vary between residents.

For an INI-CET aspirant, therefore, the more useful question is not simply “which AIIMS gives the highest stipend?”

Instead, ask:

“How much am I likely to receive after allowances and deductions and how much will I actually spend each month?”

That gives you a much more realistic picture of the financial side of residency and can help you make a better-informed choice when comparing AIIMS and other INIs.