Yes, you can appear for the UPSC CMS exam even if you have a rural bond under MMVY Yojna. However, if you get selected, the bond conditions still apply. You will either have to complete the mandatory rural service or pay the bond amount (penalty) as mentioned in the agreement before joining the new post. Many states allow bond release on payment, but it depends on your state’s specific rules. It’s better to check with your state health department for exact options.