Total education cost (₹L)
Loan rate (% p.a.)
Loan repayment term
Starting monthly salary
Annual salary growth
Years of study before earning
Cumulative loan balance vs cumulative earnings — month by month
Remaining loan balance
Cumulative net earnings (after EMI)
Break-even point
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What this model does not include
The hidden costs that extend break-even: FMGE coaching fees (₹1–3L), multiple FMGE attempts if you fail, 12-month unpaid or low-stipend internship, years in postgrad (NEET-PG) if you choose to specialise, initial practice setup costs, income tax on earnings, and the opportunity cost of years when you had no income while classmates in other careers did. Add these and the real break-even is typically 2–3 years later than this model shows. The model is deliberately conservative on the costs side to avoid alarmism — but the full picture is harder than any number on this page.
Methodology & data sources▼
Salary data: IMA (Indian Medical Association) published salary surveys; Practo and 1mg doctor income surveys 2022–24. GP starting salaries in India vary widely by location — ₹50K–₹1.5L/month.
Loan EMI: Standard reducing-balance formula. Interest accrual during study period uses simple interest on principal.
Education costs: Published university fee schedules plus indicative living cost surveys. All figures indicative.