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In summary
Doctors in government service have unique salary components — particularly the Non-Practising Allowance (NPA), which has been a subject of longstanding requests for increase by medical associations. Understanding how the 8th Pay Commission affects each grade of government doctor, and what NPA revision to expect, helps doctors plan their home loans and finances ahead of implementation.
This page covers:
- Who is covered — central vs state government doctors
- Current 7th CPC pay scales for doctors in CHS
- NPA (Non-Practising Allowance) — current and expected revision
- Expected fitment factor and salary impact for doctors
- Grade pay and pay level for different cadres of government doctors
- Medical Allowance and other doctor-specific allowances
- State government doctors — separate revision timeline
- How an expected salary increase affects home loan eligibility for doctors
Which government doctors are covered by the 8th Pay Commission?
The 8th Pay Commission covers doctors employed on central government pay scales, specifically:
- Central Health Services (CHS): Doctors appointed through the UPSC CHS exam and serving in central government hospitals, dispensaries, and health facilities under the Ministry of Health and Family Welfare.
- AIIMS faculty: Doctors serving as faculty members of AIIMS (All India Institute of Medical Sciences) across the country.
- Defence Medical Services: Doctors in the Armed Forces Medical Services — Army Medical Corps, Naval Medical Services, and Air Force Medical Services.
- ESIC Medical Officers: Doctors working in ESIC hospitals and dispensaries under the central government.
State government doctors (employed by state health departments, state medical colleges, district hospitals) are not covered — they receive their own pay revision through state pay commissions, typically following the central commission with a delay of 1-4 years.
Current 7th CPC pay scales for central government doctors
| Cadre/ designation | Pay level (7th CPC) | Basic pay range (Rs.) |
|---|---|---|
| Junior Resident/ Medical Officer (entry level) | Level 10 | 56,100 - 1,77,500 |
| Senior Resident/ Senior Medical Officer | Level 11-12 | 67,700 - 2,08,700 |
| Specialist/ CMO | Level 13-14 | 1,23,100 - 2,15,900 |
| Senior Specialist/ Additional Director | Level 14-15 | 1,44,200 - 2,18,200 |
| Director General/ DG Health Services | Level 16-17 | 1,82,200 - 2,24,100 |
In addition, government doctors receive Non-Practising Allowance (NPA) at 25% of basic pay — a unique supplement compensating them for not engaging in private practice while in government service.
Non-Practising Allowance (NPA) — the key doctor-specific component
NPA is the most significant doctor-specific pay component. Currently payable at 25% of basic pay, it was introduced as compensation for the restriction on government doctors from simultaneously running private practice. The NPA has not been revised as a percentage since the 7th Pay Commission.
Medical associations representing CHS doctors have consistently demanded:
- Increase of NPA from 25% to 30-35% of basic pay
- Risk allowance revision for exposure to communicable diseases
- On-call duty allowance for doctors required to work beyond standard hours
Expected 8th CPC position on NPA: While the Commission will review NPA, no pre-announcement has been made on whether the percentage will change. The absolute value of NPA will increase automatically alongside basic pay revision even if the percentage stays at 25%, since basic pay itself will rise significantly with the new fitment factor.
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Expected salary impact for government doctors under 8th CPC
Using the expected fitment factor range of 1.92x-2.86x on current 7th CPC basic pay:
For an entry-level Medical Officer (current basic pay Rs. 56,100):
- At 1.92x fitment: New basic pay approximately Rs. 1,07,712
- At 2.20x fitment: New basic pay approximately Rs. 1,23,420
- At 2.86x fitment: New basic pay approximately Rs. 1,60,446
NPA at revised basic pay (at current 25% rate):
- At 1.92x fitment: NPA approximately Rs. 26,928
- At 2.20x fitment: NPA approximately Rs. 30,855
- At 2.86x fitment: NPA approximately Rs. 40,112
The combined effect means an entry-level central government doctor could see total gross salary (basic + NPA, before HRA and other allowances) increase from approximately Rs. 70,125 (Rs. 56,100 basic + Rs. 14,025 NPA) to Rs. 1.3-2 lakh gross, depending on the final fitment.
State government doctors — separate and later revision
State government doctors — those serving in state medical colleges, district hospitals, PHCs, and CHCs under state health departments — have their salary determined by their state's own pay commission. Following the 7th CPC precedent, states typically revised doctor pay 1-4 years after the central revision.
For the 8th CPC (central implementation from 1 January 2026), state doctor pay revisions would therefore be expected between 2027 and 2030 for most major states. State associations of doctors frequently lobby for central parity, and many states adopt the NPA percentage and pay structure closely matching the central government's revised framework.
How an expected salary increase affects home loan planning for doctors
For central government doctors who expect a significant pay revision from 1 January 2026, two practical approaches:
- Apply now on current salary: Your home loan eligibility is documented on your current pay — you can access financing today and consider a top-up after the revised pay is reflected in salary slips.
- After implementation: Once 2-3 months of revised salary slips are available (April-June 2026 onwards), a new application or enhancement based on higher income may qualify for a larger loan.
The 8th Pay Commission represents a landmark salary revision for central government doctors — the combination of a revised fitment factor and potential NPA enhancement could significantly increase both gross salary and home loan eligibility. Plan your home loan strategy around your documented current salary, with a top-up or new application post-implementation. Bajaj Finance offers home loans for doctors from 7.30% p.a. with amounts up to Rs. 15 Crore* and tenures up to 25 years. Check your eligibility today.
Frequently Asked Questions
Pay revision
Home loans
Will AIIMS resident doctors see the same 8th CPC revision as CHS doctors?
AIIMS as an autonomous institution follows central pay scales, and AIIMS faculty and resident doctors are expected to receive the 8th CPC pay revision. The implementation notification from the Ministry of Health will specify exact applicability. Historically, AIIMS has followed central pay revisions with minimal variation.
What is the current NPA for government doctors and will it change under the 8th CPC?
Current NPA is 25% of basic pay. The 8th Pay Commission may recommend revising the percentage — medical associations have lobbied for an increase to 30-35%. Even if the percentage remains unchanged, the absolute NPA amount will increase significantly alongside the revised basic pay. The Commission's final report will contain the definitive recommendation.
Can state government doctors from Maharashtra or Karnataka get home loans on par with central doctors?
Yes — home loan eligibility is assessed on documented income, not on employer type. A state government doctor with clear salary slips and Form 16 equivalent from their state health department has the same documentation pathway as a central doctor. The expected pay revision adds future earning potential but does not affect current eligibility.
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