Dear intended parents, FertilityWorld has brought forth surrogacy costs in India at the lowest level for you in 2026, which also adheres to the Altruistic Surrogacy Regulation Act. In pan-India, the average surrogacy is within the range of ₹18-25L (irrespective of budget, mid-range, & premium), with the surrogate mother a relative of the intended parents & not compensated.
- Book an online appointment: Get a free surrogacy consultation.
- Call\W:9311850412
- Email: info@fertilityworld.in
Surrogacy Cost in India—Real Prices You’ll Pay
Practically, the surrogacy cost in India can vary from clinic to clinic & place to place. As India has banned commercial surrogacy, the surrogate is no longer paid, and foreigners are not allowed. Therefore, today surrogacy costs wholly depend on the IVF procedure, surrogate expenditures, legal documentation fees, number of cycles, and donor (egg/sperm/embryo) fees. Other than covering surrogate mother expenses, paying her is illegal. The lowest level surrogacy cost in India sits at ₹18-25 lakhs (lower & upper range). At FertilityWorld, the real prices you’ll pay are in the lowest range, with full advantages inclusive of premium services.
Surrogacy Cost Breakdown in India (Altruistic Model)
Estimated Cost Ranges
- Mid-Range (~₹18–₹20 Lakhs): Standard surrogacy package + donor egg IVF + legal and insurance expenses.
- Upper Range (~₹20–₹25 Lakhs): Includes multiple IVF cycles, advanced fertility care, and possible delivery complications.
What’s Included in These Costs
- IVF/ART procedures and regular monitoring
- Fertility medications and hormonal stimulation
- Surrogate pregnancy medical care (prenatal care, tests, ultrasounds)
- Mandatory insurance coverage for the surrogate (as per Indian law)
- Legal documentation, agreements, and court orders
- Delivery charges (normal delivery or C-section)
- Administrative charges and statutory board approval fees
Excluded/Illegal: Any direct payment or commercial fee to the surrogate. Only medical, insurance, and pregnancy-related expense reimbursements are allowed under altruistic surrogacy laws.
Estimated Surrogacy Cost Summary
| Category | Self Eggs | Donor Eggs |
| Base Altruistic Surrogacy Cost | ₹1,800,000 | ₹2,000,000 |
| Medical & Legal Approval Charges | ₹200,000 | ₹500,000 |
| Total Estimated Cost | ₹2,000,000 | ₹25,00,000 |
Note:
|
||
Complete Surrogate Mother Expenditures Breakdown in India
A complete surrogate mother expenditure breakdown in India includes clothing, accommodations, transportation, medications, healthcare, food, insurance, and childbirth services. The cost of surrogacy is primarily accounted for by surrogate expenses, IVF procedures, and the legal framework. Below is the discussion of the complete breakdown of surrogate India cost expenditures:
Surrogate Mother expenditures in India Component-Wise
The table below represents the inclusive (₹5-8L) surrogate expenditure components:
| Surrogate Components | Average Expenditures | Notes |
| Screening | ₹50K | Blood & urine tests to check for drug use, infectious diseases, & other health markers. A physical exam & a pelvic ultrasound to assess the uterus and ovaries. |
| Clothing | Up to ₹30K | Lightweight, breathable fabrics; leggings/jeans with over-the-belly bands; flowy dresses/tunics, & comfortable shoes for swollen feet; loose-fitting post-delivery wear like nightgowns and soft pajamas, etc. |
| Fooding | Up to ₹70K | Nutrient-dense, whole foods like organic fruits, vegetables, lean proteins, and whole grains. High-mercury fish, prenatal vitamins, and guidance from nutritional counseling |
| Accommodation | ₹1-2 Lakhs | Dedicated apartments/hostels, proximity to clinics, with the choice depending on intended parent preference and agency policy. |
| Medications | ₹1-3 Lakhs | Hormones, supplements, nutrition, etc. |
| Monitoring | ₹1-2 Lakhs | Checkups, ultrasounds, tests |
| Delivery | ₹0.50-1 Lakhs | Hospital/clinic, childbirth costs |
| Total average | Min = ₹5 Lakhs and Max = ₹8 Lakhs | |
Hidden Costs in Surrogacy in India Nobody Mentions
With Fertilityworld, the possibility of hidden surrogacy costs is none, as we elaborate on every detail that may be involved during package consultation. However, self-cycle may sometimes fail (due to fertility failure). You may recommend a donor cycle. In such situations, the donor fees and the donor medication costs have to be paid, depending on the ART banks. Under such cases, some couples go for up to 3 cycles, and for each repeating cycle, about 30% of the total cost has to be paid, and twin babies add 25-30%.
Why Surrogacy Rates Vary ₹18 Lakhs to ₹25 Lakhs
The average surrogacy cost starts from the lowest range of ₹18 Lakhs to the highest range of ₹25 Lakhs.
- With respect to the lowest cost range, it includes a standard surrogacy package, donor egg IVF, legal fees, and surrogate expenditure and insurance.
- With respect to the highest cost range, it includes multiple IVF cycles, donor egg IVF, advanced fertility care, surrogate expenditures, insurance, and possible delivery complications.
- This cost variation may also vary depending on the clinic and city standards (tier-1, 2, & 3).
- On average, city location causes 10% to 20% variation.
- Age over 40 adds donor costs.
- Technology level (basic vs advanced IVF),
- Failed attempts, repeat costs,
- Twins’ legal complexities vary.
- Surrogacy legal requirements in India are under the Surrogacy (Regulation) Act 2021, but it does not estimate the cost.
Call to Action: 💰 Get a free personalized surrogacy cost estimate from the Fertilityworld team.
Who Can Legally Opt for Surrogacy Under Indian Law
The Surrogacy (Regulation) Act 2021, Section 4, defines the eligibility. It states the following eligibility criteria:
- Married Indian couples (5+ years),
- wife 25-50 years (Section 2(h),
- husband 26-55 years old,
- both holding valid Indian citizenship certificates.
- A medical essentiality certificate from the District Medical Board under Section 4(iii)(b)(II).
- A certificate of proven infertility is required as per the ART Act 2021, Section 19.
Mandatory Legal Documents as Per Surrogacy Board
To legally pursue surrogacy in India, the intended parents have to provide 25+ documents under the National Surrogacy Board. These documents include:
- Marriage certificate (5+ years proof),
- Aadhaar cards (citizenship verification),
- Pan card,
- Income certificate,
- Medical Board essentiality certificate,
- Infertility proof (3+ years documented),
- insurance policy (₹2-5 lakhs minimum coverage),
- surrogate consent form (Section 4(iii)(b)(I)),
- court magistrate permission under Section 4(iii)(b)(III).
- Etc. Connect with Fertilityworld; all the legalities are made easy for you.
Altruistic Surrogacy Law—Why No Commercial Payment Allowed
India banned commercial payment surrogacy through Section 4(iii)(b)(VI) under the Surrogacy (Regulation) Act, 2021, and promotes altruistic surrogacy. This law is amended primarily to:
- prevent the exploitation of poor women,
- Halt the commodification of motherhood.
- To address ethical issues like abandoned babies and cross-border disputes,
- transform India from a “surrogacy tourism” hub into a regulated, compassionate system for Indian citizens.
The altruistic surrogacy law allows only documented medical expenses to be permissible under ICMR guidelines. The surrogate receives ₹5-8 lakhs reimbursement for healthcare, nutrition (with receipts), clothing, food, accommodation rent, and insurance coverage—no physical financial compensation. Violation attracts 10 years imprisonment and a ₹10 lakh fine under Section 36 of the Surrogacy Act 2021.
City-Wise Surrogacy Cost in India—Cheapest to Most Expensive
As surrogacy is an altruistic form, the cost of surrogacy in pan-India, irrespective of cities, has reduced the package from 2021. Therefore, you’ll find not many differences in the cost. Yes, depending on the city standards from tiers 1, 2, and 3, and the services you opt for (budget, mid-range, or premium), there will be some differences. If you’re looking for the surrogate mother cost in Delhi, the surrogacy cost in Mumbai, or the surrogacy cost in Bangalore, it’s difficult to find a disclosed specific surrogate mother cost because surrogate expenditure varies individually or clinic location-wise. However, you’ll never regret contacting the Fertilityworld team; they have the highest years of experience in pan-India and help you find your desired parenthood at your reasonable budget. You can explore more about the budget-friendly city-wise surrogacy cost in India or directly contact FertilityWorld for a free consultation:
Chennai Surrogacy Cost—Most Affordable
Surrogacy costs in Chennai are one of the friendliest budgets, considering the overall expenditures, including lower living costs, cheaper surrogate accommodation (₹8-15K monthly), reliable transportation costs, and almost free fertility services. You can rely upon Fertilityworld for 100% surrogacy guidance, as it gives the ultimate parenthood dreams at its lowest package price ever before. How? It manages 20-30% cheaper legal work and provides additional services free of cost.
Pune Surrogacy Rates—Near Mumbai Savings
You can expect the cost of surrogacy in Pune to be in the range of ₹18 lakh to ₹25 lakh, making it more affordable than Mumbai. This difference of several lakhs represents a potentially significant saving by choosing a good IVF centre in Pune that has the same quality doctors and is located near Mumbai, with a 3-hour travelling distance.
Bangalore IVF Surrogacy Cost
As commercial surrogacy is illegal, the total altruistic surrogacy cost in Bangalore ranges from ₹18 lakhs to ₹20 lakhs and from ₹20 lakhs to ₹25 lakhs, which is inclusive of IVF procedures. complete surrogate care, legalities, donor gametes, and delivery. However, you may have to pay an extra cost if the cycle is repeated because every repeating cycle involves the production of fresh eggs and embryos for assured success.
When compared to other standard cities, Bangalore balances quality in price with IT sector insurance benefits and ₹15-25K service apartments. If you wish to seek help related to surrogacy from an experienced organization, Fertilityworld is the right place to approach. Your parenthood dreams will be realized most comfortably without compromise.
Hyderabad Surrogacy Pricing
As we have been discussing above, surrogacy is altruistic in India; the pricing mainly relies upon the surrogate expenditures (transportation, medication, healthcare, clothing, etc.), IVF procedures, legal fees, donor options, repeating cycles, and complications if incurred. Therefore, the cost of surrogacy in Hyderabad is difficult to estimate. Still, the lowest range you could pay is ₹18 lakhs, with a maximum range of ₹25 lakhs, depending on the conditions applied. Here, Fertilityworld is the finest fertility center and also the best pharma hub, offering top-brand medications at lower prices. Fertilityworld at Hyderabad makes surrogacy affordable in South India with 75-85% success rates.
Delhi NCR Surrogacy Cost
The cost of surrogacy in Delhi NCR is comparatively very minimal compared to other foreign countries and metropolitan cities in India. Therefore, Delhi, being the finest surrogacy centre with a metro-reach city, connects every angle, making transportation affordable. The average cost for an altruistic surrogacy package in Delhi typically ranges from ₹18 lakh to ₹25 lakh in South Delhi, Gurgaon, and Noida. This cost range is an estimate and can vary based on individual medical needs, the clinic’s reputation, and any additional services required. The finest surrogacy centre at the mentioned location is FertilityWorld—it is the oldest and most successful centre in Delhi NCR.
Mumbai Surrogacy Price—India’s Costliest
Comparatively, the cost of surrogacy in Mumbai is the costliest in India. Why? The city standards, people’s living standards, the commercial class, the celebrity city, and celebrity doctors add more weight to the surrogacy cost in Mumbai. You can expect an average cost range from ₹18 lakh to ₹28 lakh. However, Fertilityworld is inclusive of premium services where intended parents receive an absolute success rate at a more reasonable package than any other clinic. Over two decades of our experience in surrogacy have made us understand the grief and emotions of our prospective parents, and most of our concerns are your financial investment safeguards; therefore, we offer the best lower package to our patients.
Call to Action: Find Affordable Surrogacy Centers in Your City and Get a Free Consultation: Contact Fertilityworld today.
IVF with Surrogate Cost in India
If you find the keyword as “IVF with surrogate cost,” “IVF surrogate mother cost,” or “IVF surrogacy,” the meaning is not different, but it refers to the surrogacy cost (inclusive of IVF & fertility treatment costs, coordination & administrative costs, surrogate cost—surrogate medical expenses, legal & documentation fees, etc.). Even though surrogacy is altruistic, where surrogate financial compensation is illegal in India, the surrogate expenditures (average ₹5 lakh to ₹8 lakh) are unpredictable, as they depend on various factors, including:
- Transportation (to clinic, accommodation, and return),
- Accommodation rent, Food, clothing
- Surrogate Medical Expenses
- Complete medical screening & infectious disease tests
- Psychological evaluation
- Endometrial preparation
- Regular antenatal checkups
- All pregnancy scans (NT, anomaly, growth scans, etc.)
- Blood tests, vitamins & basic medications during pregnancy
- Delivery charges (Normal/C-section)
- Hospital stay for the surrogate
- Post-delivery medical care
- Mandatory 3-year health insurance for the surrogate
- Possible complications
- May or may not (undergoing repeating cycle)
IVF Procedures Cost ₹3-6 Lakhs in Surrogacy
The table below indicates the typical IVF procedure cost with various options based on the fertility situations of the parents trying for surrogacy. This affordable IVF package is offered by FertilityWorld in Pan India:
| Procedure/Service | Typical Cost Range (₹) | Notes/what’s included |
| Basic IVF (One Cycle) | ₹150,000 – ₹350,000 | A standard IVF cycle excludes add-ons such as donor programs or surgical |
| IVF + ICSI | ₹150,000 – ₹350,000 | Intracytoplasmic Sperm Injection (commonly advised for males) |
| IVF + TESA / PESA / TESE / MESA | ₹180,000 – ₹500,000 | IVF combined with surgical sperm retrieval—cost varies based on method |
| IVF + Laser Assisted Hatching (LAH) | ₹2,10,000 – ₹2,20,000 | An optional laboratory add-on aimed at improving embryo implantation |
| IVF + FET (Frozen Embryo Transfer) | ₹80,000 – ₹300,000 | Transfer of previously frozen embryos generally costs less than a full IVF with donor eggs |
| IVF + Donor Egg | ₹250,000 – ₹400,000 | IVF using donor eggs; includes donor-related expenses |
| IVF + Donor Sperm | ₹230,000 – ₹250,000 | IVF using donor sperm due to male infertility factors |
| IVF + PGT/PGS (Genetic Testing) | ₹250,000 – ₹550,000 | Advanced preimplantation genetic testing to screen embryos for chromosomal |
| Other additional services (separate cost) | ||
| Semen Analysis | ₹500 – ₹2,500 | Basic male fertility test; pricing varies depending on lab and test parameters |
| Surgical Sperm Retrieval Alone (TESA / PESA | ₹30,000–₹70,000 | Applicable if performed separately from an IVF package |
| Embryo Freezing | ₹20,000 – ₹40,000 | Initial embryo freezing procedure; annual storage charges are additional |
| Blastocyst Culture (Extended Culture) | ₹10,000 – ₹20,000 | Extended embryo culture up to day 5 or 6 before transfer or freezing |
| Note: *Prices are indicative and may vary by clinic, city, and individual medical requirements. | ||
Why IVF Cannot Be Skipped in Surrogacy
Surrogacy is impossible without IVF procedures because IVF is the only medical procedure that will retrieve the egg, collect sperm, and create the embryo by combining these gametes in the laboratory (outside the body) and maintain the genetic lineage between the intended parents and the child. The surrogate’s primary role in modern gestational surrogacy is to carry the pregnancy to term, not to provide the egg or the genetic material. Therefore, IVF is the most basic and the main player in achieving surrogacy parenthood. That is why the ₹3-6L IVF cost is unavoidable in every surrogacy journey.
IVF Medications and Injection Costs
IVF medication and injection costs together can typically add ₹40,000 to ₹170,000 (or more) per cycle, including hormone injections for egg growth, ovulation triggers, uterus preparation drugs, post-transfer support medications, and progesterone support. The IVF medication cost range varies heavily depending on age, dosage (which depends on responses), and brand (imported costs more).
Three different injectable IVF medications are prescribed during the IVF treatment for different actions.
- Stimulation injection to stimulate multiple egg development.
- Suppressing injections to suppress ovulation from occurring.
- Embryo Glue injection to support the process of implantation & higher chances of conception.
The 1st step for starting stimulation for egg retrieval is injection, which lasts for 8 to 10 days depending on the hormone responses, and the cost is between Rs. 60,000 and Rs. 70,000. After egg retrieval, the suppressing injection is given to suppress ovulation, and the cost is Rs. 2,000. Embryo glue injection is Rs. 10,000. However, embryo glue injection is prescribed only in multiple IVF failures or embryos of very low quality.
Surrogacy Mother Charges Under Altruistic Law in India
There is no estimation of the surrogate mother cost in India under the altruistic law in India. It states that the surrogate should come from the relatives of the intended parents and should not receive financial compensation; what the surrogate gets paid is only for her expenditures. Below is further elaboration of the surrogate expenditures:
Surrogate Gets ₹5-8 Lakhs Expenses, Not Salary
|
Surrogate expenditure components |
Average cost |
| Surrogate pregnancy medical care (prenatal care, tests, ultrasounds) | ₹3-6L |
| Surrogate nutrition per month | ₹8-10K |
| Mandatory insurance coverage for the surrogate (as per Indian law) | ₹2-4L |
| Transportation cost (based on distance, follow-up appointments, etc.) | ₹20-50K |
| Clothing cost | ₹20-40K |
| Accommodation/homestay/apartments rent (depends on place to place) | ₹10-40K |
| Note:
All documented expenses only—no payment allowed. Any direct payment or commercial fee to the surrogate is illegal. |
|
Monthly Surrogate Support Breakdown
A monthly surrogate support breakdown includes covering a surrogate’s basic monthly allowance plus reimbursements for travel, lost wages, nutrition, and special needs (like maternity clothes or housekeeping), paid in monthly installments from the total surrogate expenditures (₹6-8 Lakhs), with specific details outlined in the legal agreement, covering costs from medication start through post-delivery. Surrogate monthly expenditures are included in the following table:
| Surrogate Mother Support per month up to 9 months | ||
| Support Type | Amount | Documentation |
| Medical Care | The Fertilityworld follows transparency.
Only valid documentation receipts are accepted and cover the expenditures accordingly. |
Hospital bills |
| Nutrition | Receipts needed | |
| Insurance | Policy proof | |
| Travel | Travel receipts | |
| Lost Wages | Salary slips | |
Factors That Increase or Decrease Surrogacy Cost in India
You can expect direct or indirect price factors that lead to the increase or decrease in surrogacy costs in India, which depend on certain conditions like the clinic location (metros), advanced tech (ICSI, LAH, FET, PGD), multiple IVF cycles/attempts, complications, donor gametes (egg/sperm/embryo), C-section delivery, and legal complexity of your selected state. Let’s discuss some of the most common factors below:
Age Factor in Surrogacy Pricing
What affects surrogacy rates? The main factor is age, especially a woman’s age. Under 35 using their own eggs gives results (cheaper cost); over 40 usually needs donor eggs, adding cost variables of ₹4-6L extra (cost increases). Age affects success rates, and requiring more attempts adds additional cost.
City Location Impact on Total Cost
Transportation is another burdening factor adding to surrogacy costs. Instead of tier-1 cities, go for tiers 2 & 3; there is no difference for identical care. In reality, clinic rent, surrogate accommodation, and doctor fees vary 30-50% by city location. If you’re confused, always feel free to contact Fertility World—it has a centre in pan-India and assists you according to your nearest location.
Number of IVF Attempts Required
Even though everything seems good, sometimes the first IVF attempt may not support you. Couples have to go for the 2nd cycle. Each repeating cycle adds 50% cost because a fresh embryo is created every time for a precise decision.
First attempt, 40-45% success means most need 2-3 tries. Each additional cycle costs.
Surrogate’s Location and Accommodation
If you could manage your related surrogate in your same city and the nearest clinic, it will ultimately reduce the cost. A surrogate in your city can save up to ₹2-3L in transportation and accommodation costs. If you’re from a different nation or location, you’ll have to plan for lodging and travel while the surrogacy procedure is underway. Different cities mean up to ₹15-60K monthly housing for 9 months plus travel reimbursement.
Medical Complications During Pregnancy
Gestational diabetes, preeclampsia, and premature delivery add ₹1-3L in unexpected costs. Insurance covers some but not all complications. Pregnancy, childbirth, and fertility therapies are all included in medical expenditures. They are contingent upon the surrogate’s health and the particular therapies needed.
Donor Egg Surrogacy Cost in India
In the donor cycle, the surrogacy package is inclusive of the donor egg price. However, at Fertilityworld, the cost of a donor egg depends on the ART bank. It also depends upon the donor’s travel cost, accommodation, medication, and retrieval procedure. Also, donor cost varies depending on their profiles—local donors and premium egg donors. The donor should be married and come from a registered art bank. The average donor egg surrogacy cost is between ₹18 and 25 lakh for the complete procedure—starting from consultation to procedures to legal fees to donor compensation to surrogate care to childbirth and return home.
Donor Egg Cost: ₹2 and 3.5 Lakhs Additional
The average compensation for an egg donor ranges between ₹ 2 lakh and ₹ 3.5 lakh. It covers donor-related expenses, from medical screening, stimulations, stay, egg retrieval & potential compensation (for travel, medical care, etc.). This additional cost can be higher in tier-1 cities.
When Donor Eggs Become Necessary
Donor eggs become necessary when a woman’s age is beyond 40 years or when a younger intended mother has poor egg quality. Other applicable medical conditions could be low-level AMH, premature menopause, irregular menstrual cycle, PCOS, having cancer, genetic conditions, or repeated IVF failure, making it impossible to achieve a healthy pregnancy with her own eggs. Generally, women who are 40 years old or older have poor egg quality and higher chances of repeated IVF failures. Donor eggs improve success from 20-30% to 60-75% at such an age.
Known vs Anonymous Donor Costs
Surrogacy with a known donor reduces the cost, assures trustworthiness, and continues the genetic lineage when she is your sister or an immediate relative. Known donors (sister, friend) cost ₹50K-2L less than anonymous clinic donors. Apart from the donor cost differences, the legal agreements and expenses are simpler with known donors.
Twin Pregnancy Surrogacy Cost in India
The surrogacy cost for twins is between 18 lakhs and 25 lakhs in India, which is considered the most reasonable and is offered by FertilityWorld. However, only Indian citizens are allowed, and international surrogacy is prohibited for NRIs and OCIs. This twin pregnancy surrogacy price can vary based on the specific clinic, location, and additional service fees. But Fertilityworld is very transparent and flexible in its twins package, inclusive of surrogate expenditures, IVF procedures, legal framework fees, donor fees, and other expenses.
Twins Add 25-30% to Base Surrogacy Cost
Having twins, or applying for twins in a surrogacy journey, significantly adds to the cost by an amount equivalent to 30-40% of the total base price.
The key factors for increased costs with twins include
- Surrogates typically incur extra necessities for carrying a multiple pregnancy due to the increased physical demand and health care.
- Twin pregnancies add higher risks of complications and can attract extra costs: C-section delivery (higher associated hospital charges than a normal vaginal delivery), Neonatal Intensive Care Unit (NICU) (can be very expensive), and additional medical care (adds to the total medical bill).
- If the surrogate is placed on bed rest, the intended parents will care for her, covering lost wages, childcare support, and housekeeping services, which will increase overall expenses.
- A single baby can cost ₹15-18L, but it becomes ₹18-25L for twins.
Twin Probability in Surrogacy
Twin probability is higher in surrogacy. IVF (transferring multiple embryos) is the main cause; rates for double transfers can reach 15–25%, but single transfers can still produce twins (1–3%) or even triplets. To reduce high-risk multiple pregnancies, modern practices frequently favor single embryo transfer (SET), balancing success rates with surrogate safety and fewer complications. The increased risk is caused by IVF itself as well as factors like maternal age. In other words, transferring more than 1 embryo gives a 20-30% natural twin chance. Technically, it’s difficult to guarantee twins, but the probability is higher than with natural conception.
Single vs Twin Surrogacy Costs Table
| Component | Single Baby | Twins | Extra Cost |
| IVF Base | ₹3-5L (single embryo) | ₹3-6L (double embryo) | Same |
| Monitoring | ₹3-4L | ₹4-5L | +₹2L |
| Surrogate expense | ₹4-5L | ₹6-7L | +₹2L |
| Legal fees | ₹3-4L | ₹3-4L | Same |
| Delivery | ₹1-2L | ₹2-3L | +₹1-2L |
| Total | ₹14-20L | ₹18-25L | +25-30% |
Legal and Documentation Costs in Surrogacy in India
Legal documentation, agreements, court orders, mandatory insurance coverage for the surrogate (as per Indian law), administrative charges, and statutory board approval fees are the involved factors in legal fees and documentation charges. We have discussed below in detail:
Legal expenses range from ₹3 to 4 Lakhs
Under this category, the payable parameters include
- Agreement drafting average fees are ₹30-80K.
- Essentiality certificate average fees are ₹20-50K.
- Court permissions average fees of ₹30-80K.
- The average lawyer fees are ₹40-80K.
- Birth certificate work is ₹15-25K.
- etc.
Documents Required for Surrogacy in India
As we have already discussed in the middle of this article, 25+ documents are needed for surrogacy approval in India, including a marriage certificate, Aadhaar, medical reports, proof of income, surrogate consent, proof of relationship, and insurance papers—all aiming for a Certificate of Essentiality and Eligibility from the board before the process begins, as per the Surrogacy (Regulation) Rules, 2022.
State-Wise Legal Cost Variations
Only altruistic surrogacy is legal in India; a surrogate is not compensated. However, the legal costs and the total overall surrogacy expenses can vary by state and city, primarily due to differences in the cost of living, clinical infrastructure, and local administrative fees. Let’s take Delhi/Mumbai legal work costs ₹3-4L and Chennai/Pune ₹2-3L for the same documentation. Specialized surrogacy lawyers charge a ₹20-40K premium over general lawyers.
Success Rates by Age and Budget Planning in India
The surrogacy success rate in India basically depends on the women’s age. Under certain medical conditions involving advanced procedures like ICSI, LAH, and FET, surgical retrieval can enhance the success rate and the budget, also for multiple attempts. Take a look at the pie chart, which represents surrogacy age-based success:
First Attempt Success Rate: 30-85% Only
Multiple attempts can partially affect the success rate, but women’s age is a big factor. Therefore, cycles without any changes in the technology have zero impact on the success rate. Some couples need 2-3 attempts due to unexplained fertility or aging, and each repeating cycle adds to the surrogacy budget. With spontaneous changes or improvements in each repeating cycle, the cumulative success reaches 75-85% by the third cycle.
Age-Based Success Rates and Costs
The table below represents the Success Rate and Budget by Age
| Age | First Try | 2-3 Tries | Budget Needed | Each repeated cycle |
| 21-30 | 85% |
₹18-25L |
₹18-25L + 50% |
|
| 30-35 | 70% | |||
| 35-40 | 65% | |||
| 40-45 | 50% | |||
| 45-50 | 30% | |||
Surrogacy Financing Options in India
There are various health policies that provide surrogacy financing options in India, including medical loans for surrogacy, EMI options, and surrogacy loans in India. However, it depends on your financial history. Below are the best financing options available for you. Contact FertilityWorld for further details.
Medical Loans Up to ₹20 Lakhs Available
Medical loans up to ₹20 lakhs are widely available in India from major banks and Non-Banking Financial Companies (NBFCs). Banks like HDFC offer ₹20L at 10.5-14%, ICICI ₹15L at 11-15%, and Bajaj Finserv ₹25L at 12-16%. EMI options are available for ₹24-36K monthly for a ₹15L loan over 5-7 years. The actual maximum loan amount can vary by lender and individual eligibility.
Zero Interest EMI Plans 6-12 Months
Some clinics offer 0% EMI for 6-12 months, offered directly by fertility clinics like FertilityWorld or through partnered financial institutions. Intended parents can repay ₹1.25-2.5L monthly without interest. Credit card conversion options are also available.
Clinic Payment Plans and Installments
Fertilityworld is the finest surrogacy provider in Pan India. Many couples find it difficult to pay the cost at once; FertilityWorld understands their difficulties. Therefore, it has planned and allowed any intended parents who take its services to pay the surrogacy cost at different stages, as described below:
- 1st Payment: At the signature of the contract
- 2nd Payment: Before Matching
- 3rd Payment: Before IVF
- 4th Payment: At week 12
- 5th Payment: At week 24
- No interest in clinic payment plans.
Surrogacy Loan Comparison Table
| Bank/NBFC | Amount | Interest | EMI (₹15L) |
| HDFC | ₹20L | 10.5-14% | ₹24-27K |
| ICICI | ₹15L | 11-15% | ₹33-36K |
| Bajaj Finserv | ₹25L | 12-16% | ₹28-33K |
| For financial assistance related to surrogacy in pan-India, please contact Fertilityworld. | |||
Who Can Opt for Surrogacy in India
Surrogacy opens doors to parenthood for people who might otherwise never be able to have a child who is genetically linked to them. There are so many reasons why a surrogate may be the answer to your infertility problems. Who can opt for surrogacy? Here are a few of the most common reasons for dealing only with fertility conditions:
- Hysterectomy or a genetic lack of a uterus
- Defective uterus (such as the unicornuate uterus).
- Poor Endometrium Lining.
- Uterine issues
- Life-threatening conditions
- Severe postpartum depression
- Advanced Maternal Age
- Repeated IVF failures.
- Recurrent abortions are not amenable to treatment.
- Severe medical condition incompatible with pregnancy.
- Single parents.
Mandatory Eligibility Criteria
According to the 2022 surrogacy regulations, eligibility for surrogacy and legal requirements comprise:
- Married 5+ years couples,
- wife 25-50, and husband 26-55,
- Both intended parents are Indian citizens.
- Have proven infertility with no biological child,
- A close relative surrogate is available.
Who Cannot Do Surrogacy in India?
NRIs, OCIs, foreigners, single parents, and LGBTQ+ couples and live-in partners are prohibited from doing surrogacy in India.
Surrogacy in India for NRI—Why Banned
Surrogacy in India for NRIs is restricted due to severe ethical issues, exploitation of poor women, and the commodification of motherhood, as addressed by the 2021 Surrogacy (Regulation) Act. To be eligible for surrogacy in India, an NRI must regain full citizenship with 12+ months residency or choose Georgia/USA/Australia/Canada/Kenya/Somalia as its friendly alternative country.
What Is a Surrogate Mother and How Does It Work in India
The most common question we encounter during free surrogacy consultations includes, “What is a surrogate mother?” and “What is a surrogacy mother?” A surrogate mother is a woman related to the intended parents who helps them in carrying the pregnancy. Surrogate pregnancy continues to full term (9 months); after the delivery, the child is handed over to the intended parents as per the agreements signed.
Surrogate Mother Meaning in Simple Terms
A woman who carries YOUR baby (egg+sperm=embryo) when you cannot. Only gestational surrogacy is permitted; there is no genetic bond between the surrogate and the embryo in her womb.
How Surrogate Pregnancy Works Medically
Using your egg (intended mother) and your partner’s sperm, IVF creates an embryo that is transferred to the surrogate’s prepared uterus, resulting in a nine-month pregnancy, delivery, and a baby that is legally yours from birth.
Gestational vs Traditional Surrogacy
In traditional surrogacy, the surrogate can donate her own egg, making her the baby’s genetic mother, whereas gestational surrogacy uses IVF to implant an embryo (from intended parents’ or donors’ eggs/sperm) into a surrogate. Today, traditional surrogacy is not practiced, and now gestational surrogacy is the supported method. In simple terms, in a gestational (legal) surrogacy, your embryo has no genetic link to the surrogate. Traditional (illegal): Surrogate’s egg used—completely banned in India.
Hidden Charges and Additional Expenses in Indian Surrogacy
During the surrogacy journey, in many clinics, you may find unexpected expenses and hidden surrogacy costs. However, Fertilityworld is very transparent in cost management. During the cost consultation, the team elaborates on all the cost-related issues and possible additional charges, which saves intended parents from worry and confusion. Possible hidden charges or additional expenses may include:
Medication Costs Not Included in Quotes
Medication quotes are typically provided separately in most clinics. Ovarian stimulation medications, post-transfer support, and surrogate uterine preparation hormones.
PGT-A Genetic Testing: ₹80K-1.5 Lakhs
It is usually an optional procedure, but it is strongly advised for people over the age of 35. The technology screens embryos for chromosomal abnormalities prior to transfer, increasing success rates.
Emergency Medical Expenses
Sometimes, everything may seem absolutely ok. But it could lead to medical emergencies during a surrogate pregnancy. Premature delivery in the NICU can cost up to ₹50K-3L, pregnancy complications ₹1-2L, and emergency C-sections ₹40-80K extra. Insurance covers some but not all.
Legal Delay and Extended Stay Costs
The duration of surrogacy could be far from our expectations, especially during legal framework procedures. Court permission delays can add up to ₹50K-1.5L extra in legal fees, extended surrogate accommodation if delivery is delayed (₹30-80K), and passport processing for the baby.
Frequently Asked Questions About Surrogacy Costs in India
Final Thoughts—Is Surrogacy Worth an ₹18 Lakhs Investment
Are you unsure or uneasy about the financial commitment of surrogacy? In all of India, you can always rely on the Fertilityworld organization. The cost of surrogacy in India for a complete package is ₹18 lakhs. For an altruistic surrogacy journey, this investment amount is regarded as the average market rate. If you want to have children, then becoming a parent is the ultimate “worth” of this investment. If you account for donor use, possible complications, and repeated cycles, the total investment in surrogacy can come to ₹25 lakhs, and it is still worth it to embrace parenthood. Yes, significant money, but it may be the last biological parenthood option if IVF fails. Altruistic law reduced costs by 30-40% from commercial days. The real challenge is finding a willing relative surrogate.
Final CTA:
📞 Free Surrogacy Cost Assessment & Eligibility Check: Get Transparent Pricing and Honest Guidance. Contact FertilityWorld now.
17 thoughts on “SURROGACY COST IN INDIA | SURROGATE MOTHER COST”