Khulna City Medical College
33, KDA Avenue, Khulna, Bangladesh
Also known as: KCMC | Khulna City MC | KCMC Khulna Bangladesh
What the Offer Letter Reveals That No Agent Will Tell You
Before anything else, I want to highlight something that Osama noticed the moment he read the KCMC official offer letter for session 2026-27. At the bottom of the document, in the cancellation clause, it reads: “in case of cancellation for any reason of any student’s admission, the booking amount USD $5,000.00 will be nonrefundable.”
SamadMBBS does not operate on this commission model. Every rupee of college fees goes directly from your family’s bank account to the college’s official account. This is not a marketing claim, it is something we can prove for every student we have guided.
About Khulna City Medical College
Khulna City Medical College, known as KCMC, is a private medical institution located at 33 KDA Avenue in the heart of Khulna city, southwestern Bangladesh. Established in 2016, KCMC is affiliated with Khulna Medical University, approved by the Ministry of Health and Family Welfare of Bangladesh, and recognised by the Bangladesh Medical and Dental Council.
Khulna is Bangladesh’s third largest city and the capital of Khulna Division. It is a proper urban centre with its own administrative infrastructure, markets, hospitals, and transport connectivity. The city is known for its proximity to the Sundarbans, the world’s largest mangrove forest and a UNESCO World Heritage Site, which gives it a distinct character among Bangladesh’s cities. For Indian students, Khulna’s position in southwestern Bangladesh is its most practical advantage: the Benapole border crossing into West Bengal is approximately 75 kilometres away, making this one of the most accessible Bangladesh medical colleges for students from West Bengal, Jharkhand, Bihar, and eastern Odisha.
The college operates a teaching hospital with over 500 beds on campus, which is the primary site for clinical training from the third year of the MBBS programme onwards. The academic building is a multi-storey structure housing lecture theatres, laboratories for Anatomy, Physiology, Biochemistry, Pathology, Microbiology, and Pharmacology, a digital library with national and international medical journals, and seminar rooms. The hospital and academic building are integrated on the campus, which means students do not face the daily commute that some off-campus hospital arrangements involve.
Accreditation and Recognition — Verified
- BM&DC — Bangladesh Medical and Dental Council
- Khulna Medical University (Affiliated)
- Ministry of Health and Family Welfare, Bangladesh
- NMC — National Medical Commission, India
- WHO — World Health Organization
- WDOMS / FAIMER — World Directory of Medical Schools
- ECFMG listed — USMLE pathway eligible
Official Fee Structure — Session 2026-2027
| Sl No. | Installment | Amount (USD) | Time of Payment |
|---|---|---|---|
| 1 | 1st Installment | $12,000 | Seat booking: $5,000 | At admission: $7,000 |
| 2 | 2nd Installment | $4,000 | 6 months after the date of class commencement in Bangladesh |
| 3 | 3rd Installment | $4,000 | Half-yearly (every 6 months) |
| 4 | 4th Installment | $4,000 | Half-yearly |
| 5 | 5th Installment | $4,000 | Half-yearly |
| 6 | 6th Installment | $4,000 | Half-yearly |
| 7 | 7th Installment | $4,000 | Half-yearly |
| 8 | 8th Installment | $4,000 | Half-yearly |
| GRAND TOTAL | $40,000 | Complete 5-year MBBS course fee |
How the installment schedule works: Installments are paid twice a year, every 6 months. After the first installment of $12,000 (split between seat booking and admission day), the remaining seven installments of $4,000 each are paid at six-monthly intervals. This works out to approximately $8,000 per year across years two through five, which is a manageable annual outflow for most families compared to lump-sum fee structures at other colleges.
What is excluded from the $40,000 Grand Total: The offer letter specifies that hostel cost (BDT 4,000 per month), food cost, BM&DC registration cost, and professional exam form fees for all four professional examinations per Khulna Medical University policy are not included in the Grand Total. These are charged separately. The internship fee is also separate, though it is refunded during the internship period as explained below.
Cancellation policy: If admission is cancelled for any reason, the seat booking amount of $5,000 is non-refundable. Only proceed with the seat booking once you have confirmed your DGME eligibility, as outlined in the offer letter conditions.
How the Internship Fee Refund Actually Works
The KCMC internship fee structure is worth understanding carefully because it is different from many other Bangladesh colleges and is often misrepresented by agents as a free internship. Here is what the offer letter actually says.
After completing the 5-year MBBS course, you are required to complete one year of mandatory internship training at Khulna City Medical College Hospital. At the time of beginning the internship, you pay BDT 1,80,000 as an internship fee. This amount is then refunded to you at BDT 15,000 per month over the 12 months of your internship. So by the end of your internship year, you have received the full BDT 1,80,000 back in twelve equal monthly payments.
Internship fee in plain numbers: You pay BDT 1,80,000 at the start of internship (approximately ₹1.3 to ₹1.5 Lakhs at current exchange rates). You receive BDT 15,000 per month for 12 months, totalling BDT 1,80,000 returned by the end. Net cost of internship: zero. The BDT 1,80,000 is essentially a security deposit that functions as a self-funded monthly stipend during your internship year. Your family needs to have this amount available upfront at the start of the internship year.
Complete 5-Year Budget — Realistic All-In Calculation
| Budget Component | Amount (USD) | Notes |
|---|---|---|
| Grand Total Course Fee | $40,000 | Official 2026-27 offer letter Verified |
| Hostel (BDT 4,000/mo × 60 months) | ~$2,200 | BDT 4,000/month as per offer letter. Approx. USD at current rate. Verified |
| Food / Mess (~$30/mo × 60 months) | ~$1800 | Khulna city food costs — moderate and lower than Dhaka Approx |
| Professional Exam Fees (4 exams) | ~$300–$380 | Khulna Medical University — as per university policy Approx |
| BM&DC Registration | ~$80–$100 | As per BM&DC policy — one-time Approx |
| Personal Expenses (~$25/mo × 60) | ~$1,500 | Khulna is significantly cheaper than Dhaka for daily living Approx |
| Medical Books (Year 1) | ~$380 | Standard MBBS reference set |
| Travel (5 trips via Benapole border) | ~$550 | Benapole border at ~75 km makes travel very economical compared to Dhaka-based colleges |
| Internship Fee (refundable deposit) | ~$1,500 | BDT 1,80,000 paid upfront — fully returned at BDT 15,000/month during internship Verified |
| Realistic All-In Total (incl. internship year) | ~$51,310 | ~₹47.7 Lakhs at ₹93/USD — complete 6-year programme |
| 5-Year MBBS Only (excl. internship) | ~$49,810 | ~₹46.3 Lakhs — minimum planning figure for MBBS years |
College Contact Details
Official Contact — Khulna City Medical College
Bank transfer details are not included in this offer letter. Contact the college directly at the details above or through SamadMBBS to receive the official bank account and SWIFT code before making any payment.
Campus, Hospital and What Student Life in Khulna Looks Like
Khulna is a genuinely underrated city for student life in Bangladesh. It is the third largest city in the country but far less congested than Dhaka, which means daily life is quieter, commutes are shorter, and the overall atmosphere is more conducive to focused study. The cost of living here is measurably lower than Dhaka, including food, transport, and daily essentials. Students from Kolkata, Bhubaneswar, and other eastern Indian cities typically find Khulna’s scale and pace the most familiar of any Bangladesh city.
The KCMC campus at 33 KDA Avenue is in the city centre. The KDA stands for Khulna Development Authority, and this area is one of the more planned and organised parts of the city. Being on a well-maintained avenue in the city’s administrative district means students have access to banking, markets, pharmacies, and local restaurants within walking distance.
Hostel and Accommodation at KCMC
Location — Khulna and Getting There from India
KCMC — Verified Location Details
- 33, KDA Avenue, Khulna, Bangladesh
- 88 041 722407 | 88 041 725116
- [email protected] | www.kcmc.edu.bd
- Benapole–Petrapole Border (West Bengal): ~75 km (~1.5–2 hrs)
- Khulna Railway Station: trains to Dhaka via Padma Bridge and to Jessore
- Jessore Airport (domestic): ~50 km | Hazrat Shahjalal Airport, Dhaka: ~200 km
- Mongla Port to India via Benapole: accessible for students from coastal Odisha and West Bengal
- Khulna: Bangladesh’s 3rd city — less congested than Dhaka, lower living costs
- Sundarbans (UNESCO World Heritage Site) — ~50 km from Khulna city
Khulna’s proximity to the Benapole border is KCMC’s single most practical advantage for Indian students from West Bengal and neighbouring states. The Benapole-Petrapole crossing is already the most commonly used land border for students going between Dhaka and India, and Khulna is 75 kilometres closer to this border than Dhaka is. A student from Kolkata can reach Khulna by crossing at Benapole and taking a short bus or train journey of 1.5 to 2 hours. For students who value easy, affordable travel home, this location makes a meaningful difference over five years.
Who Should Choose KCMC and Who Should Consider Other Options
KCMC is a strong choice if: You are from West Bengal, Jharkhand, Bihar, or eastern Odisha, and the Benapole border proximity is a genuine daily-life advantage for you. The half-yearly instalment structure of $4,000 every six months after the initial $12,000 is among the more manageable fee payment schedules available in Bangladesh. You want a city-campus college in a quieter, less expensive city than Dhaka. The 500+ bed integrated hospital provides clinical exposure without the off-campus commute that some Dhaka colleges require. Your all-in budget accommodates approximately ₹46 to 50 Lakhs over five years.
Consider other options if: Central Dhaka access is important for your daily life, and the 200 km distance from Khulna to Dhaka feels too far. If fee is the primary constraint and you need something under ₹37 Lakhs total, PAHMC at $35,000 remains one of the most affordable Dhaka University affiliated options. If you specifically want a women-only campus, Sylhet Women’s Medical College or Ad-din Sakina Women’s Medical College are dedicated female institutions.
Osama’s Honest Verdict
The first thing I want families to take away from this page is the commission disclosure in the offer letter. The college itself has written $4,000 commission into its cancellation clause. That is not a secret, it is an openly documented amount. What it tells you is that if you go through any agent for KCMC, that $4,000 is somewhere in your total payment. With SamadMBBS, it is not. That saving alone is approximately ₹3.7 Lakhs at current exchange rates.
Beyond that, KCMC’s half-yearly instalment structure is genuinely one of the better payment schedules among Bangladesh private colleges. After the $12,000 first payment, you pay $4,000 every six months. This is a predictable, plannable outflow for families rather than the lump-sum structures some colleges demand.
The Khulna location is the honest differentiator. It is not Dhaka, and if you need Dhaka for daily life, this college is not for you. But if you are from West Bengal or eastern India and you value being close to the border without the noise and traffic of Dhaka, Khulna City Medical College is worth serious consideration at $40,000 total with a city-centre integrated campus and a 500-bed teaching hospital.
The bank details not being in this offer letter is something every family must clarify before transferring any money. Contact the college directly at [email protected] or through us before making any payment to ensure you have the correct account number and SWIFT code. Never transfer money without verifying the receiving account independently.
Frequently Asked Questions — Khulna City Medical College
What is the total fee at KCMC for Indian students in 2026-27?
Is KCMC NMC recognised and valid for practicing in India?
How close is KCMC to the Indian border?
How does the KCMC internship fee work?
What university is KCMC affiliated with?
Can SamadMBBS guide my admission to KCMC?
Check Your Eligibility for KCMC — Free
WhatsApp Osama with your 10th and 12th marksheets and NEET scorecard. We calculate your BM&DC GPA, confirm KCMC eligibility, explain the payment schedule in detail, and give you an honest comparison of KCMC against other colleges in this fee range — free, within 24 hours, zero commission.
WhatsApp Osama — Free Eligibility CheckFree consultation. Zero commission. Bank details verified before any payment.
Author
