Cheapest Surrogacy in India 2026 | ₹10-25 Lakhs | Most Affordable Cities & Centers

Introduction—Finding Cheapest Surrogacy India: Where ₹10 Lakhs Can Actually Work

Dear intended parents, your parenthood dream is possible through affordable surrogacy in India. Connect with the Fertilityworld Centre to embark on a joyful family experience. As only altruistic surrogacy is prevalent today, the IVF costs and surrogate expenditures are included. You can expect surrogacy within the range of ₹10-25 lakhs from 2026. Complexities & obstacles are inevitable—a blend of excitement & apprehension—but the Fertilityworld team will guide you with great empathy & ART proficiency. 

• Book an online appointment: Get a free surrogacy consultation. 
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• Email: info@fertilityworld.in

Most Affordable Cities for Surrogacy in India—Where Your ₹8-14 Lakhs Goes Furthest

As India’s Surrogacy Law (2021) permits only altruistic surrogacy, banning commercial surrogacy, meaning compensation is limited to medical expenses, the cost of surrogacy is similar in all cities except for a few thousand rupees’ difference due to the standards and reputation of the location and centre because the surrogate no longer receives compensation other than her expenditures (transportation, medication, healthcare, food, clothing, and rent). Without IVF, surrogacy is impossible. Therefore, the IVF is transparent in the surrogacy cost. IVF comes in two types: self-cycle and donor cycle, with a cost difference. The cheapest surrogacy in India is likely to be between ₹8-14 Lakhs. Below, you can explore which city has the cheapest surrogacy, affordable surrogacy cities in India, and low-cost surrogacy in India.

Chennai Surrogacy: ₹10-20 Lakhs—Why South India Wins the Affordability Race

With traffic demand in surrogacy, there are more than 15 fertility centres creating competition with an average pricing of ₹10-20 Lakhs (including IVF with self-eggs at 2.5–3 Lakhs or IVF with donor eggs at 2.5–3 Lakhs and donor compensation of ₹80,000–₹200,000+), which covers the complete surrogacy procedure. Chennai is among the most affordable surrogacy cities in India, thanks to the Tamil Nadu government’s IVF support programs, which provide partial financial assistance, and the living costs are approximately 50% lower than in Mumbai/Delhi. Apart from its flexible package, the surrogacy success rate is 65-75% at the FertilityWorld Center.

Kolkata Budget Surrogacy: ₹15-18 Lakhs—Eastern India’s Best-Kept Affordable Secret

Kolkata is another affordable city with respect to surrogacy budget. As discussed above, surrogacy is altruistic; therefore, the surrogacy price cannot be fixed; rather, it depends upon the surrogate’s expenditures with a partially fixed IVF cost. The expected average surrogacy cost in Kolkata is between ₹15 and 18 Lakhs (including IVF with self-eggs at 2.5–3 Lakhs or IVF with donor eggs at 2.5–3 Lakhs and donor compensation of ₹80,000–₹200,000+). Typical costs include care and surrogacy legalities. In Kolkata, with the Fertilityworld team’s assistance, intended parents can avail themselves of the lowest accommodation costs (₹8-12K/month), surrogacy execution from skilled doctors (Medical College heritage), and success rates of 65-73%. 

Delhi NCR Affordable Options ₹12-25 Lakhs—Finding Budget Pockets in the Capital

An average surrogacy cost is usually between ₹12 lakhs and 25 lakhs in most of the clinics. In Delhi NCR, there are 40+ fertility centers, and each has competitive pricing in select areas. But at Fertilityworld, the cost of surrogacy in Delhi is based on the IVF cost and the surrogate’s expenditures, as surrogacy is altruistic; the surrogate no longer receives financial compensation, which has made surrogacy much more affordable than before, and the success rate is 75%-85% However, cities like Noida and Ghaziabad offer 20-30% savings compared to South Delhi. At our centre, IVF with self-egg is 2.5 — 3 lakh, and surrogate expenditures depend on transportation, medications, healthcare, food, clothing, stay rent, and others, plus legal framework fees. 

Pune Affordable Surrogacy: ₹10-18 Lakhs—Get Mumbai Quality Without Mumbai Prices

Pune is the top recommended alternative city to receive Mumbai-quality surrogacy service without Mumbai prices and is just a 3-hour journey away, which ultimately saves the travel costs. The average cost of surrogacy in Pune is 30-40% cheaper than in Mumbai, at an average of ₹10-18 Lakhs. Pune is also the home to skilled professionals, as the city is a medical educational hub. And these same specialists will consult you in both cities. Contact FertilityWorld for the best surrogacy services in Pune.  

Ahmedabad Cheap Surrogacy: ₹10-20 Lakhs—Gujarat’s Budget-Friendly Gateway

Ahmedabad is also considered the city with the cheapest surrogacy cost compared to its cutting-edge technology and high-standard services. You can arrange an overall average surrogacy cost between ₹10-20 Lakhs. Apart from being budget-friendly, it has strong community support systems, and the vegetarian food culture keeps costs low. Below are Western India’s budget alternatives for your suitable management: 

City	Average Package	Average surrogacy cost breakdown
		IVF Cost	Surrogate Care	Legal + Delivery	Monthly Living	Success Rate
Chennai	₹10-25L	₹2-3L	₹3-5L	₹2-3L	₹20-38K	55-75%
Kolkata		₹2.5-3.5L	₹3-5L	₹2.5-3.5L	₹15-35K	55-73%
Pune		₹3-4L	₹3-4L	₹3.5-5.5L	₹30-40K	60-78%
Ahmedabad		₹3-4L	₹3.5-5L	₹3-4.5L	₹25-40K	58-80%
Delhi NCR		₹4-6L	₹4.5-7L	₹4-8L	₹25-50K	75-85%

Breaking Down Low-Cost Surrogacy in India—What’s Really Included

In India, surrogacy is altruistic and allowed only to Indian couples married for 5+ years since 2022. The Indian surrogacy cost is reduced and affordable now. Usually, two cost parameters are involved in the price of surrogacy in India: that is, the IVF cost and the surrogate expenditures or donor charges (if using), where the IVF cost is mostly transparent, and the surrogate expenditures depend on travel cost, medication, healthcare, clothing, food, and others. You can explore all the cost details below:

Complete Price Component Analysis: Where Every Rupee Goes

The surrogacy cost breakdown at FertilityWorld in India is much clearer and more affordable, as represented in the table below:

IVF with Self Eggs + Surrogate expenditures = Surrogacy
Avg. cost	2.5 – 3 Lakh (IVF with Self Eggs only)
Inclusive	Doctor consultation & follow-ups
	Ovarian stimulation injections
	Ultrasound monitoring
	Egg retrieval procedure
	ICSI (Intracytoplasmic Sperm Injection)
	Blastocyst culture (Day 5 embryos)
	Embryo transfer procedure
	Embryo freezing/cryopreservation
	1-year embryo storage (if applicable)
	Expert fee—fertility doctor, embryologist, anesthesia team
	Complete lab charges—fertilization, embryo development, culture & lab consumables
Not included	Blood tests and oral medications. (pay separately)
Surrogate expenditures	Surrogate Medical Expenses  Legal & Documentation—Drafting the surrogacy agreement Coordination & Administrative Costs Optional procedures (If Needed)
IVF With Donor Eggs + Surrogate expenditures = Surrogacy
Avg. cost	2.5 Lakh – 3 Lakh + Donor charges (depend on the ART bank)
Inclusive	Includes Everything in Self IVF Plus: • Donor screening & medical clearance • Donor ovarian stimulation injections • Donor monitoring & retrieval charges • Donor compensation (depends on the ART bank)
Not included	Endometrial lining preparation medications for the recipient, Recipient blood tests, and Recipient oral medications
Surrogate expenditures	Surrogate Medical Expenses  Legal & Documentation—Drafting the surrogacy agreement Coordination & Administrative Costs Optional procedures (If Needed)
Note: No surrogate compensation, allowances, gifts, or monthly payments are allowed under the Surrogacy Act. The surrogacy expenditures other than IVF are difficult to estimate because they depend on various factors.

The average inclusive surrogate expenditures are explained in the table below:

Cost Component	Budget Range (₹)	What’s Included
Surrogate Medical Care	2.5-5 Lakhs	9-month checkups, ultrasounds, blood tests
Medications & Supplements	1-2.5 Lakhs	Generic vs branded options
Legal & Documentation	50K-1.5 Lakhs	Agreements, court procedures
Delivery & Hospitalization	80K-2 Lakhs	Hospital, normal vs C-section
Surrogate Support & Insurance	1.5-4 Lakhs	Insurance, accommodation, nutrition
Total Investment	₹10-25 Lakhs	Complete surrogacy

Why Surrogacy Costs Swing from ₹10 Lakhs to ₹25 Lakhs Across India

For all intended parents, surrogacy is all about achieving parenthood dreams. And practically to achieve this, it involves IVF procedures and complete surrogate care. Each IVF step has a cost involved, and in some cases, the cycle needs repetition with additional cost, plus surrogate and other expenditures. Making surrogacy costs swing from ₹10 Lakhs up to ₹25 Lakhs across India. Other parameters include

• Medications & Supplements
• Delivery & Hospitalization
• Surrogate Support & Insurance
• City location and real estate costs (20-30% variation)
• Specialist fees based on city tier (30-50% lower tier 2 vs Delhi/Mumbai)
• Surrogate living expenses: regional differences
• Legal processing efficiency and standardization

Budget vs Premium City Surrogacy—What’s Actually Different (And What’s Not)

Many intended couples check for surrogacy cost comparisons in India in the hope of getting the best service at an affordable price. And yes, you’ll find some cost differences when compared. Practically, a tier 2 city surrogacy cost is flexible and affordable as compared to a tier 1 city. However, in cheap surrogacy vs expensive surrogacy, there are a few thousand differences due to the services they offer, from basic to premium; the quality of amenities; the use of advanced technology; the level of personalized support; and the reputations of the center and its location. Below, we have elaborated on a detailed budget vs. premium City Surrogacy:

The Surprising Truth: Medical Quality Identical in ₹10L vs ₹25L Packages

Medical condition (biology) determines outcomes, not spending. What premium buys: brand names, fancy facilities, and metro location convenience. Delhi NCR suburbs offer a middle ground. Side-by-side comparison table

Budget Cities	Mid-Range   ₹10-18L	Premium Cities:  ₹15-25L	Reality	Check
Medical Protocols	NABH standards			Same nationwide
Success Rates	55-68%	60-72%	65-75%	difference due to demographics
Legal Compliance	2021 Act			Identical requirements
Embryology Standards	Standard protocols			Same techniques
Safety & Insurance	₹2-3L coverage	₹2.5-4L coverage	₹3-5L coverage	All cover essentials

Regional Cost Patterns India: Why South is the Cheapest and the North Most Expensive

The surrogacy cost in the South and the North is similar, but a little cheaper in the South when compared. In altruistic surrogacy, only the IVF, medical, legal, and essential pregnancy-related expenses are included. No compensation is allowed for the surrogate except 

• surrogate transportation, medical expenses, clothing, food, and healthcare.
• Legal & Documentation
• Coordination & Administrative Costs

The average IVF treatment costs (2.5 Lakh – 3 Lakh) are inclusive of consultations & counseling, ovarian stimulation medications, the egg retrieval procedure, lab charges, embryo culture & freezing (first year), and frozen embryo transfer (FET).  

IVF with donor egg/sperm charges (2.5 Lakh – 3 Lakh + donor fees according to the ART bank). 

Take a look at the average regional surrogacy costs comparative table of north vs. south prices:

Region	Average Cost	Key Cities	Best For
South India	₹10-20L	Chennai	Maximum savings
East India	₹15-18L	Kolkata	Northeast residents
West India	₹10-18L	Pune, Ahmedabad	Western states
North India	₹12-25L	Delhi NCR (varies by area)	North residents

Success Rates Affordable Surrogacy India—Does Cheaper Really Mean Lower Success?

The surrogacy success rate in India (at FertilityWorld) is between 30% and 85% (considering different age groups from 21 to 45); this excellent statistic has nothing to do with affordable surrogacy success. With rising demand in surrogacy, many centers have emerged with competitive pricing. In pan-India, FertilityWorld has the highest records of success rate at a cheaper cost. If you’re looking for budget city outcomes across India, contact FertilityWorld.

Your Age Matters More Than Your Budget: Success Rate Reality Check

Success depends on your age at egg retrieval, not city or package cost. A 32-year-old in Chennai has similar odds as in Delhi or Mumbai. Delhi NCR shows slightly higher rates due to better patient demographics and access to advanced technology. The table below is the surrogacy success rate statistics according to the age group (budget vs. mid vs. premium):

Age group	SUCCESS RATE AT:
	Low-Budget	Mid-Budget	Premium budget	Key Factor
21-30	60-85%			Biology, not cost
30-35	55-70%			Your age matters
35-40	40-65%			Egg quality crucial
40-45	30-40%			Often need donors
45+	15-30%			Suggest donors

 

Optimal (21-35), Good (35-40), Challenging (40-45), Donors (45+). Check Your Success Rate by Age—Free Fertility Assessment Book Consultation with FertilityWorld.

Best Low-Cost Surrogacy Centres in India—Finding Quality in Budget Options

The best low-cost surrogacy center in India is FERTILITYWORLD. Its premium services in surrogacy, from initial consultation to legal framework documentation to medical procedures to surrogate birth, do not compromise its low-cost surrogacy. The team guarantees quality services and a better success rate. All the services and advanced technologies are served under its single roof. Explore the characteristics of our center:   

Quality Checklist: What Matters More Than Price When Choosing Centers

Surrogacy is invasive, as it recreates parenthood using highly advanced and expensive technology. What matters more than price when choosing a center’s quality service and success rate is that your investment in hopeful parenthood must be realized. Therefore, before proceeding to centers, make sure these checklist qualities are available:

• NABH/ISO certification (medical standards)
• 5+ years operating history (fertilityworld has 25+ years of history),
• Published age-specific success rates
• Written transparent contracts
• Facility tour willingness
• Clear refund policies
• Proper surrogate screening protocols

These indicators matter more than price. Cheap with these indicators, good value. Expensive without these indicators = overpaying. Delhi NCR has a mix of both budget and premium certified centers. Contact Fertilityworld for the best options.

Red Flags in “Too Cheap” Surrogacy: When ₹7 Lakhs Means Trouble

In India, altruistic surrogacy treatment average cost is between ₹10-25 Lakhs. Choosing an affordable center without a budget for surrogacy verification can be doubtful. Therefore, if any agency/center advertises or consults to offer surrogacy at ₹7 Lakhs, it means trouble; it’s a red flag. It could likely be a scam and fraud when you get these offers, including:

• Surrogacy below ₹7 lakh packages (something missing)
• No written cost breakdown provided
• Pressure tactics to commit immediately
• Operating from residential premises
• No qualified embryologist on staff
• Vague insurance coverage details
• No legal compliance documentation

Below ₹7L usually means hidden costs or compromised care. ₹10-25L is a legitimate budget range with all essentials included. The Delhi NCR includes more facilities.

Region-Wise Top Affordable Surrogacy Hospitals in India

The table below is a quick guide prepared for you to know the region-wise top affordable surrogacy hospitals/centers in India:

	Cities	Available centers
South India	Chennai	15+
	Bangalore	10+
	Coimbatore	Budget Tamil Nadu option
East India	Kolkata	10 main centers
	Bhubaneswar	Emerging option
West India	Pune	10+ affordable facilities
	Ahmedabad	10+
	Surat	Emerging alternative
North India	Delhi NCR	40+ centers
	Chandigarh	Relatively affordable for North
	Lucknow	Emerging budget option

Hidden Costs That Turn Cheap Surrogacy Expensive—Watch Out for These

The introduction of altruistic surrogacy has completely changed the structures of the surrogacy cost—the surrogate mother should be a relative of the intended parent who does not accept compensation. Therefore, most of the centers do not expose the complete package—only the IVF cost figures are discussed with additional surrogate expenditures, and it mentions its affordable package inclusions. But when the actual procedure starts, different hidden costs turn cheap surrogacy into expensive surrogacy; it often hides high costs in areas such as medical complications, legal issues, travel, and surrogate support, which can quickly inflate the final price well beyond the initial estimate. Therefore, it is always better to approach a genuine center that guarantees transparent hidden costs for surrogacy in India. Connect with Fertilityworld for better and clearer surrogacy package details:    

Common Traps: How ₹10 Lakhs Becomes ₹25 Lakhs Without You Noticing

Dear intended parents, to avoid financial dilemmas during surrogacy, the table below has exposed possible hidden costs so that you get to know every step and avoid surrogacy pitfalls. These turn advertised ₹8L into actual ₹10-25L. Delhi NCR packages may have more add-ons due to higher base costs. Always get a written itemized breakdown before committing.

Hidden Cost	Amount	When Charged	How to Avoid
Medications (if excluded)	₹1-2.5L	During stimulation	Ask if it is included upfront
Multiple IVF Attempts	₹3-6L each	If it first fails,	clarify attempts included
NICU Beyond Insurance	₹50K-2L	If the baby is premature	Check insurance limits
Legal Court Fees	₹30-80K	Post-delivery	Confirm legal costs included
Extended Hospital Stay	₹10-25K/day	Complications	Verify insurance coverage

Smart Questions to Ask Budget Surrogacy Centers Before You Commit

The surrogacy must not be a relaxing decision—it involves high financial input; therefore, you should be vigilant and pay only what is included. Don’t blindly agree or pay what is asked, but ask the questions and make sure your budget package evaluation investment is on the right path. Below is an essential Delhi surrogacy questions that you must ask before proceeding with the surrogacy program: 

1. Is this all-inclusive, or are medications extra?
2. How many embryo transfer attempts are included?
3. What does insurance coverage specifically include?
4. Which hospital for delivery (name and tier)?
5. Are legal fees included or separate?
6. What’s the refund policy if the cycle fails?
7. Are generic or branded medications provided?
8. What happens if the surrogate has complications?

Affordable Surrogacy Package Options India—Basic to Premium Budget Tiers

You’ll find affordable surrogacy package options in India, from basic to premium budget tiers. The cheap surrogacy options can range from ₹10 to 15 lakh, covering essential IVF/care. The premium budget package types can range between ₹15-25 lakh, covering donor eggs, multiple cycles, advanced care, C-sections, and extensive legal/neonatal support. An all-inclusive quote is crucial to avoid hidden fees. In the affordable package comparison, the success rate is quite the same, except for the difference in services and facilities. In general, surrogacy packages in India are reduced with the introduction of altruistic surrogacy. It greatly benefits intended Indian parents to achieve stable parenthood.  

Three Budget Tiers Explained: Finding Your Sweet Spot Between ₹10 and 25 Lakhs

The detailed comparisons of three budget tiers are represented in the table below: All tiers are legitimate, legal, and safe. Basic (Chennai/Kolkata), Standard (Pune/Ahmedabad), Mid-Range (Delhi NCR suburbs), and Premium (South Delhi/Mumbai). Choice depends on comfort preferences vs budget constraints.

Surrogacy Average Package Tiers
Component	Basic ₹8-10L	Standard ₹10-15L	Mid-Range: ₹15-18L	Premium ₹18-25L
IVF Cycles	1 cycle only	1-2 cycles	2 cycles	2-3 cycles
Hospital	Mix Govt. and Private	Mostly private	All private	Premium private
Medications	Generic only	Generic and brand options	Brand options	Premium brands
Childbirth place	Govt. Medical College	Private hospital	Private good	Premium hospital
Surrogate stay	Shared/family	PG/shared	PG/private option	Private apartment
Legal Support	Standard template	Some customization	Good customization	Fully customized
Insurance	₹2L minimum	₹2.5L	₹3L	₹4-5L

Donor Egg Surrogacy Affordable India—Adding ₹4-6 Lakhs, City-Wise

Donor egg surrogacy is affordable in India. Usually, donor cost is dependent upon the donor ART banks, but its estimation is always between ₹4-6 Lakhs, which also depends on the city and specific clinic. Donor egg surrogacy costs in India are generally higher in major metropolitan areas, while smaller cities may offer more budget-friendly options. But, if you want to explore more about the affordable donor egg options or to meet your budget donor programs, the Fertilityworld team will assist you at no cost. 

Budget Cities Save You Money Even with Donor Eggs: Complete Cost Analysis

Donor eggs are highly recommended beyond 37 years (poor egg quality, genetic conditions). Choosing a fertility clinic in a budget-friendly city or region can lead to significant cost savings on donor egg cycles. For such budget cities, Delhi NCR is a mid-range option for you—it allows for substantial reductions in the total cost compared to major, high-cost metropolitan areas. Donor egg cost city comparison is represented in the table below:

Total Average Cost with Donor Eggs
City	Donor Eggs (Inclusive)	Total Package (Average)
Chennai	+₹3.5-5L	₹10-20 Lakhs
Kolkata	+₹3.5-5L	₹15-18 Lakhs
Pune	+₹4.5-6L	₹10-18 Lakhs
Ahmedabad	+₹4-6L	₹10-20 Lakhs
Delhi NCR	+₹5-6L	₹12-25 Lakhs
Mumbai	+₹5-8L	₹15-25 Lakhs

Known Donor vs Anonymous: How to Save Another ₹2 Lakhs

How can you reduce donor cycle cost in surrogacy? Your close relatives (sisters, cousins) can help you by volunteering to donate their eggs, which allows you to save 2 lakhs compared to using an anonymous donor. The most affordable donor eggs are the Delhi donor eggs. To avail cheap donor programs, always feel free to connect with Fertilityworld. From our experiences, we have estimated the budgets of known vs anonymous donors:

• Known donors (sister, cousin) eliminate compensation = save ₹1.5-2.5L
• Shared donor cycles split costs = ₹2-3L vs ₹5-6L
• Budget cities have more altruistic donors available

Travel Logistics for Budget City Surrogacy—Planning Your Multiple Visits

Travel costs are one factor that can add to your additional expenses. Therefore, always seek the clinic that is closest to you; by doing so, many unseen transportation expenditures can be reduced in surrogacy budget logistics because multiple clinic visits are needed. The Fertilityworld team is your best guide for your surrogacy travel planning in India and visiting affordable cities.

How Many Trips to Affordable Cities: Timeline, Duration & Costs

The number of clinic visits you may require for a complete surrogacy program is described in the visit breakdown table below:

Visit Purpose	Duration	When	Mumbai to Chennai	Bangalore to Delhi
Initial Consultation	1-2 days	Month 1	₹8-12K	₹6-10K
IVF Cycle Monitoring	7-10 days	Months 4-5	₹8-12K	₹6-10K
Embryo Transfer	2-3 days	Month 5	₹8-12K	₹6-10K
Key Pregnancy Scans	1-2 days	3-4 times	₹25-40K total	₹18-30K total
Delivery Period	5-7 days	Month 18	₹10-15K	₹8-12K
Legal Formalities	2-3 days	Months 18-19	₹8-12K	₹6-10K
Total Travel Budget	~25-30 days	+18 months	₹70-100K	₹50-80K

Where to Stay in Budget Cities: Affordable Accommodation Near Clinics

The best and affordable city for surrogacy is Delhi. Different budget stay options, from basic to medium to premium range, are available here. The estimated range of surrogacy accommodation in affordable cities in India is represented in the table below:

Accommodation types	Chennai/Kolkata	Delhi NCR
Hotels	₹800-1,500/night	₹1,500-2,500/night
PG accommodations	₹600-1,000/night	₹1,000-1,800/night
Service apartments	₹1,200-2,000/night with kitchen	₹2,500-4,000/night
Monthly rentals	₹8-15K for long stays	₹15-30K

Legal Requirements: Affordable vs. Premium Cities—Does Cost Change the Rules?

Surrogacy laws in India do not account for the surrogacy cost. It strictly supervises legal requirements and mentions that the surrogate cannot receive financial compensation; other than these, the law does not interfere with the package. However, with the introduction of altruistic surrogacy since 2022, the legal surrogacy process is affordable. Almost every intended parent searches for surrogacy in Delhi because of its premium services and better success rate, as Delhi surrogacy laws are not different from other cities; instead, the legal framework is easier with the help of FertilityWorld in Delhi, making it a cheap surrogacy legality.   

The Current Surrogacy Act Is Blind to Your Budget: Same Rules for ₹10L or ₹25L

Surrogacy cost depends on the providing centre, surrogate expenditures, donors, legal framework fees, and medications. The current surrogacy budget is blind to your budget. In general, surrogacy rules and eligibility are the same for both the ₹10L and ₹25L packages. Legal requirements are identical regardless of package cost. What differs is legal fees and processing speed, not compliance standards.

The surrogacy eligibility checklist (rules) is described in the table below:

Requirement	Budget City	Mid-Range (Delhi NCR)	Premium City	Cost Impact
Married 5+ years	Required	Required	Required	None
Wife age 25-50	Required	Required	Required	None
Husband age 26-55	Required	Required	Required	None
Both Indian citizens	Required	Required	Required	None
Proven infertility	Required	Required	Required	None
No biological child	Required	Required	Required	None

Complete Documentation Checklist: Budget or Premium, You Need These

Documentation is the same for the ₹10L package (reasonable budget) or the ₹25L package (premium). No shortcuts available based on spending. Delhi NCR has streamlined court processes in some areas. However, in all package categories, these same legal surrogacy documents are required. No difference for Delhi surrogacy documentation. It includes:

• Aadhaar Card (both partners) and PAN Card (both)
• Marriage Proof: Marriage certificate (5+ years old), Wedding photos
• Medical Documents: Infertility certificate from specialist, Medical fitness reports & previous treatment records (if any)
• Financial Documents: Income proof (3 years ITR), bank statements (6 months).

Who Can Access Affordable Surrogacy in India—Eligibility Under the Current Law

The most common question for surrogacy: Who is eligible for surrogacy in India? What are the surrogacy eligibility criteria? Can NRIs do surrogacy? Because surrogacy is altruistic in India, only Indian couples married for 5+ years are eligible, except divorced/widowed couples, and NRIs cannot do surrogacy here. Let’s explore further eligibility details below:

Who Qualifies for Cheap Surrogacy in India: Budget Doesn’t Change Eligibility

Budget vs. premium doesn’t change eligibility. The same restrictions apply to the ₹10L package as well as the ₹25L, the same at Chennai, Delhi, Mumbai, etc. Common eligibility for surrogacy in India:

• Legally married Indian couples (5+ years)
• Specific age ranges met
• Proven medical infertility
• No biological child together

Who cannot do surrogacy in India (regardless of the budget):

• NRIs/OCIs/Foreigners (even if willing to pay a premium in Delhi/Mumbai)
• Single men (no provision in law)
• LGBTQ+ couples (suggest international alternatives)
• Live-in partners (marriage certificate mandatory)

Why NRIs Can’t Access India’s Cheap Surrogacy: Alternative Countries

Can NRIs do surrogacy in India? It is a very common question for many patients living outside the country. The Indian Surrogacy Act 2021 prohibits commercial surrogacy—all foreigners, regardless of cost or city, including Non-resident Indians (NRIs) and OCIs, are prohibited from using surrogacy. It focuses only on close-relative surrogacy for Indian couples, which aims to prevent exploitation. Some NRIs return to India and establish a 12+ month residency in Delhi or other cities to be eligible for surrogacy. It pushes such patients to alternative countries with more lenient laws; the top countries for surrogacy for Indians abroad include the USA, Canada, Australia, Dubai, and surrogacy in Kenya, Georgia, Colombia, etc.

Frequently Asked Questions

Start Your Affordable Surrogacy Journey—Taking the First Step Toward Parenthood

We understand that achieving parenthood through surrogacy is a major decision. The path involves complex legal, emotional, and financial considerations. Among these, cost is a significant factor, and various unstable confidences come into play (whether it will be a failure or a success) as it involves a high investment. If it’s your first time, be confident to connect with Fertilityworld—various options and resources will be served to make the journey more manageable at the cheapest surrogacy in India. But before the program, you’ll receive our budget fertility consultation, and depending on your decision (agree), our experts will start the surrogacy process. Always understand that success depends on biology (your age), not spending. Your hopeful surrogacy parenthood is possible within ₹10-25L.  Also, city choice is the biggest cost factor—our experts advise the patients, or anyone reading this article, to consider Chennai/Kolkata the cheapest, Delhi NCR mid-range, and South Delhi/Mumbai premium for surrogacy. These budget cities give the same medical quality with 20-30% savings. Geographic location changes price, not outcomes or the baby’s health. North India residents have the advantage of Delhi NCR suburbs for the balance of cost and convenience. FertilityWorld provides free consultation.