Introduction—What Is The Real Cost of Surrogacy in India for Intended Parents?
Years back, many intended parents faced difficulties & challenges, especially with surrogacy costs. Today, the surrogate mother cost in India in 2026 is 2 times lower, with the legalization of altruistic surrogacy since 2022. Now, at ₹10-25 Lakhs, surrogacy parenthood is achieved. Experience the surrogacy journey at FertilityWorld. We assist you over hurdles and match the best surrogate for you at a transparent cost. Our objective is great empathy & ART proficiency.
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How Much Does Surrogacy Cost in India—Complete Price Breakdown 2026
By default, most of the intended parents see the surrogacy price as expensive. But you’ll understand once the procedure starts. In 2025, the cost of surrogacy in India is between ₹10 and ₹25 lakhs; only altruistic surrogacy is done. This estimated total surrogacy expense in India is inclusive of the entire surrogacy procedure, including IVF with surrogacy cost. IVF is an integral part of surrogacy. Let’s understand the surrogacy cost breakdown in India here:
Average Surrogate Mother Cost in India Ranges from ₹10-25 Lakhs
Surrogate mother cost and surrogacy cost are the same. The average surrogate mother cost in India ranges from ₹10-25 lakhs, inclusive of the complete process and procedures. The cost has been lowered and made more accessible to intended parents with the allocation of an altruistic program (the surrogate is not compensated) to married Indian citizens only. The table below represents the complete surrogacy breakdown for 2026, offered by the FertilityWorld Centre:
| Cost Component | Amount Range (₹) | % of Total | What’s Included |
| IVF Procedures | 4-5 Lakhs | 20-25% | Egg retrieval, fertilization, embryo transfer |
| Surrogate Care | 4-7 Lakhs | 25-30% | Medical care, insurance, support |
| Legal & Documentation | 1-3 Lakhs | 10-15% | Agreements, court procedures |
| Medical Monitoring | 2-4 Lakhs | 15-20% | 9-month checkups, ultrasounds |
| Delivery & Newborn | 1-2 Lakhs | 8-10% | Hospital, NICU if needed |
| Hidden/Buffer Costs | 2-4 Lakhs | 15-20% | Multiple attempts, complications |
IVF Procedures: The cost of IVF surrogacy procedures is 20-25%. It covers medication, IVF (ovarian stimulation, egg retrieval, fertilization, and embryo transfer), doctors, and laboratory fees.
Surrogate Care: In 2026, the intended parents no longer compensate the surrogate and only reimburse her expenses, including medical care, insurance, and support (clothing, food, and stay).
Legal & Documentation: The Fertilityworld legal representatives charge 10-15% of the total cost to formulate surrogacy agreements and legal court procedures.
Medical Monitoring: Once the surrogate pregnancy is confirmed, regular and scheduled medical monitoring through ultrasounds and blood work is done for 9 months. The cost is 15-20% of the total package.
Delivery & Newborn: Your representative specialists will help you deliver the child. They will decide the suitable hospital/center for you. Sometimes NICU can be necessary and consumes 8-10% of the total surrogacy cost.
Hidden/Buffer Costs: In some infertility situations, surrogacy may require multiple attempts—up to 3 attempts, and each cycle will add 15-20% to the cost.
Why Surrogacy Costs Vary from ₹10 Lakhs to ₹25 Lakhs in India
Every individual medical formulation responds differently, somehow or in some way, and surrogacy price may have different diversions, but in the end, success becomes the ultimate goal. Common factors about why surrogacy costs vary from ₹10 lakh to ₹25 lakh in India are explained below:
- City location (40% variation): Depending on the location and life standards—rural, urban, or metropolitan—the price may vary.
- Number of IVF attempts needed: Intended parents may need repeated cycles to produce a fresh embryo, and each cycle is charged.
- Technology used (basic vs advanced): Innovations in technology keep upgrading every day, from basic to more advanced. Clinics with basic standards have lower costs than those with advanced technology. Better tech produces confident results.
- Complications during pregnancy: Complications during pregnancy are inevitable; most couples achieve success, but some face health issues, recurrent pregnancy, and miscarriages. You need another cycle, adding the extra cost.
- Legal complexity of the case: Surrogacy reproduction is strictly regulated by the laws of the country, and each state may have its own regulations and estimated fees. This scenario may cause variation in surrogacy costs
- Get a free personalized estimate with the help of Fertilityworld—Calculate Your Exact Surrogacy Cost in India.
Surrogacy Eligibility Criteria in India 2026—Who Can and Cannot Apply
The Surrogacy (Regulation) Act, 2021, has mentioned surrogacy eligibility criteria in India in 2026, allowing only altruistic surrogacy and banning commercial surrogacy. We at Fertilityworld encounter a common question: “Can a single parent do surrogacy? And who is eligible for surrogacy in India?. Please, read below for the answers to the questions:
Legal Requirements for Intended Parents Under the Surrogacy Act 2021
Intended parents have to satisfy the following factors in the table below, according to the Surrogacy Act 2021, to pursue surrogacy in India at the Fertilityworld Centre:
| Criteria | Requirement | Your Status ✓/✗ |
| Marital Status | Married 5+ years | Please check your status and see whether you’re eligible or not. |
| Wife’s Age | 21-50 years | |
| Husband’s Age | 25-55 years | |
| Medical Need | Proven infertility | |
| Previous offspring | No biological child | |
| Indian Citizenship | Both must be Indian |
Marital Status: The couple should be married for at least 5 years and have a legitimate marriage certificate.
Wife’s Age: It should be 21-50 years for good quality eggs, which assures possible success.
Husband’s Age: It should be 25-55 years; this period usually has good quality sperm.
Medical Need: The couple should produce a medical certificate signed by the doctors, declaring infertility and the reasons behind it.
Previous Offspring: A couple should not have any biological children, unless they are mentally ill.
Indian Citizenship: Both couples must be Indian citizens.
Who Cannot Do Surrogacy in India—Restricted Categories
From 2021, commercial surrogacy is banned; only altruistic surrogacy is permitted in India. The couple should be Indian and married for at least 5 years with no biological children; the surrogate should be a close relative or friend. Who Cannot Do Surrogacy in India—Restricted Categories:
- NRIs/OCIs/Foreigners cannot do surrogacy in India. However, they can connect with FertilityWorld for India-Kenya cross-border surrogacy. Please refer to the surrogacy legal countries in Asia or reach out to us. We arrange and transport Indian donors and surrogates for your surrogacy program in Kenya at an Indian package. Other Western countries include the USA, Canada, and Australia.
- Single men: Single men’s surrogacy is not allowed in India. Your ideal global single-parent surrogacy destination is the United States, Canada, Colombia, Argentina, Brazil, Georgia, Nigeria, Kenya, or Mexico.
- LGBTQ+ couples: The finest destinations for your surrogacy; check the link- Gay surrogacy countries and LGBT surrogacy—or contact FertilityWorld.
- Live-in partners—surrogacy is permitted only to married couples, where a marriage certificate is mandatory.
Which City Is Best for Surrogacy in India—Cost Comparison Guide
India is the home of advanced fertility treatments. The best cities for surrogacy in India are Delhi, Mumbai, Bangalore, Chennai, and Guwahati. When compared to Mumbai, Delhi has cheaper surrogacy costs. The cheapest surrogacy in India is offered by the FertilityWorld Surrogacy Centre in pan-India with an assured success rate.
Delhi NCR Surrogacy Cost: ₹15-25 Lakhs—Why Capital Is Most Popular
Delhi is the capital hub of surrogacy in India since the inception of fertility advancements. Over 40+ fertility centers are available, which offer the privilege to intended parents of both government & private options. Fertilityworld surrogacy has the highest extensions and is recognized as the finest option in Delhi NCR. Our cost of surrogacy in Delhi is ₹15-25 Lakhs, and the best legal support infrastructure with a pool of legal representatives defines your parenthood. Gurgaon and Noida are the most popular destinations around Delhi, with the highest surrogacy success rate and a reasonable price.
Comparison of the surrogacy cost table in Delhi NCR:
| Area | Cost Range | Success Rate |
| South Delhi | ₹18-25L | 68-72% |
| Gurgaon | ₹16-22L | 75-80% |
| Noida | ₹14-20L | 63-68% |
Mumbai Surrogacy Prices: ₹18-28 Lakhs—Most Expensive But Advanced
Comparatively, the cost of surrogacy in Mumbai at FertilityWorld is 30% costlier than in any other Indian state, within the range of ₹18-28 Lakhs. In addition to technological advancements, the city is well-known for its excellent success rates, sophisticated infrastructure, and celebrity-supported doctors.
Bangalore IVF Surrogacy Cost: ₹12-20 Lakhs—IT Hub Advantage
The Fertilityworld Bangalore surrogacy IVF cost at present is ₹12-20 Lakhs, lower and more affordable than in previous years. The city IT hub’s advantages offer corporate insurance coverage. The inclusive package ensures the entire surrogacy process and procedures.
Chennai Affordable Surrogacy: ₹10-16 Lakhs—Best Value for Money
The Chennai affordable surrogacy price is ₹10-16 Lakhs; it is cheaper and the best value for money. At Fertilityworld, a renowned embryologist, Dr. Pammi Murthy, with over 35 years of experience, executes surrogacy with an excellent success rate. The surrogacy cost comparison of Chennai vs. Mumbai is provided in the table below:
| Factor | Chennai | Mumbai | Savings |
| IVF Cost | ₹3L | ₹5L | 40% less |
| Accommodation | ₹15K/month | ₹40K/month | 60% less |
| Total Package | ₹12L avg | ₹22L avg | ₹10L saved |
| Get a City-Specific Surrogacy Guide and Free Consultation for Your Location.
Call/WA at 931185041. |
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Step-by-Step Surrogacy Process in India—Complete 18-Month Timeline
The step-by-step surrogacy process in India is achieved within an 18-month timeline. A free consultation is the first step in the IVF surrogacy process, followed by legal paperwork from FertilityWorld representatives, a medical procedure leading up to pregnancy, childbirth, and the parentage order. A detailed step-by-step surrogacy process in India is discussed below:
Months 1-3: Initial Consultation and Fertility Testing Phase
- Initial Consultation: Enables the patient to make the best choice and comprehend costs.
- Medical Testing: Both partners complete fertility tests.
- Documentation: With help from FertilityWorld, compile the necessary 25+ documents.
- Legal Advice: Recognize the necessary agreements.
Months 4-6: Surrogate Matching and IVF Treatment Begin
- Surrogate selection from the certified database (Fertilityworld).
- Legal agreements are signed with all the involved parties (surrogate, donors, doctors, and coordinators), witnessed by legal lawyers.
- IVF stimulation starts (through fertility hormones/injections are administered)
- Egg retrieval, embryo creation (fertilization), and embryo transfer to a surrogate.
Months 6-15: Pregnancy Journey and Monitoring Period
After 3 to 4 weeks of embryo transfer, repeated pregnancy tests are done and confirm pregnancy. A surrogate carries a pregnancy to term (9 months); during this period, regular monitoring is done to ensure a healthy pregnancy and the surrogate’s health.
Pregnancy monthly breakdown table:
| Months | Key Activities | Tests Required | Costs Incurred |
| 1-3 | First-trimester scans | NT scan, blood tests | ₹50,000 |
| 4-6 | Second trimester | Anomaly scan | ₹40,000 |
| 7-9 | Final preparation | Growth scans | ₹60,000 |
Months 15-18: Delivery and Legal Formalities Completion
- Delivery at the Fertilityworld-designated hospital
- Court parental order procedure
- Birth certificate with your names as legal parents
- Baby passport application
- Taking the baby home full of content.
Surrogate Mother Selection Criteria and Compensation in India
Not every woman is eligible to be a surrogate mother because there are established requirements in India, which are discussed here. As surrogacy is altruistic, Fertilityworld abides by the laws, and surrogate mother compensation is prohibited except for reimbursement for her expenses during the procedure. If you’re looking for a surrogate mother, the Fertilityworld team will help you with “how to find a surrogate mother.”
Who Can Become a Surrogate Mother in India—Legal Requirements
- ✓ Age: 21-35 years,
- ✓ Married and has at least one of their own child,
- ✓ Only one time of being a surrogate (can help only once)
- ✓ Must be altruistic—do not receive compensation except for her expenditures,
- ✓ Medical fitness certificate—fit and healthy,
- ✓ Husband’s consent required—husband should support being a surrogate.
How Much Does a Surrogate Mother Get Paid in Altruistic Surrogacy
The breakdown table shows how much a surrogate mother gets paid in altruistic surrogacy.
| Support Type | Amount/Month | Total (9 months) |
| Medical expenses | Fully covered | between ₹3-4 Lakhs |
| Nutrition support | ₹8,000-10,000 | Up to ₹90,000 |
| Travel allowance | ₹3,000-5,000 | Up to ₹35,000 |
| Lost wages compensation | Documented | between ₹1-2 Lakhs |
Success Rate of Surrogacy in India—Age and Attempt Statistics
The surrogacy success rate in India is 75% to 85%. It is dependent upon the IVF success rate by age. In surrogacy, age is most important; women between the ages of 21 and 35 exhibit good-quality eggs. As long as the egg and sperm quality are fine and the procedure succeeds, pregnancy is guaranteed from the first attempt. However, some couples go for multiple attempts at surrogacy when infertility is unexplained. For easy understanding, the Fertilityworld surrogacy experts have shown the success rate of surrogacy in India—Age and Attempt Statistics below:
First Attempt Success Rate Only 40-45%—Planning for Multiple Cycles
Here is a statistical table with an explanation:
| Attempt Number | Success Rate | Cumulative Success | Average Cost |
| First | 40-45% | 45-85% | ₹12-15L |
| Second | 35-40% | 65-85% | +₹6-8L |
| Third | 30-35% | 75-85% | +₹6-8L |
| Most couples achieved surrogacy in the 1st attempt, while some couples had to undergo up to 3 attempts, maybe due to unexplained or undiagnosed infertility. At Fertilityworld, it could be able to deliver parenthood even in the case of multiple failures. | |||
How Age Affects Surrogacy Success Rates in India
As discussed, age is the most common factor that affects the surrogacy success rate in India. The age-based breakdown of surrogacy in the first attempt obtained at Fertilityworld is described here:
- Under 35: 50-85% first attempt
- 35-40: 40-55% first attempt
- 40-45: 30-40% first attempt
- Over 45: 20-35% first attempt
To check your success rate for your age, contact us and receive a free fertility assessment, or book an appointment with us.
Legal Documents Required for Surrogacy in India—Complete Checklist
In India, surrogacy is strictly regulated and is punishable if any clinic offers surrogacy without the consent of the regulations. All forms of surrogacy documents required in India are compulsory, including the surrogacy agreement format and legal papers for surrogacy; they protect against human trafficking and commercial gain and guarantee legal parentage orders.
25 Essential Documents Intended Parents Must Submit
Identity Documents:
- Aadhaar Card (both)
- PAN Card (both)
- Passport (both)
- Residential proof certificate.
Marriage & Relationship:
- Marriage certificate (5+ years old)
- Wedding photos
Medical Documents:
- An infertility certificate from the doctors
- Medical fitness reports
- Previous treatment records
Financial Documents:
- Income proof (3 years ITR)
- Bank statements
Surrogacy Agreement Format and Legal Contracts Needed
While preparing for the surrogacy procedure at Fertilityworld, the surrogacy agreement format and legal contracts needed are formulated as per the following:
- Surrogacy Agreement—a 20-page detailed contract. It is a comprehensive legal contract between the intended parents and the surrogate mother. It outlines all terms of dos and don’ts, including the surrogate’s responsibilities, compensation, and the handing over of the child after birth.
- Financial Agreement – Payment schedule. It mentions all the financial matters regarding the surrogate and the surrogacy procedure.
- Consent Forms—All parties involved (intended parents, surrogate, donors, and the clinic) acknowledge the consent of surrogacy.
- Relinquishment Deed—Post-delivery, a legal document that a legal heir (donor) or co-owner (surrogate) voluntarily gives the child born in favor of the intended parents.
- Insurance Papers—36-month coverage, if applicable by the intended parents based on the fulfillment established by the health policy makers.
How to Finance Surrogacy Treatment—EMI and Loan Options
Intended parents can finance surrogacy loans in India through personal loans, credit cards, and EMI plans. Such plans are offered by banks, financial markets, and some fertility clinics. Fertilityworld’s partnerships with lenders help parents access easy surrogacy treatment financing. In the case of IVF EMI options, we offer zero interest for a set period. Other surrogacy financing options are discussed below:
Medical Loans for Surrogacy Up to ₹20 Lakhs Available
Below is a surrogacy financer comparison table of medical loans for surrogacy up to ₹20 lakhs available. FertilityWorld has partnerships with banks and finance policy companies to help and assist with the lowest interest rate or zero interest EMI; contact us.
| Bank/NBFC | Loan Amount | Interest Rate | EMI Period |
| HDFC Bank | Up to ₹20L | 10.5-14% | 7 years |
| ICICI | Up to ₹15L | 11-15% | 5 years |
| Bajaj Finserv | Up to ₹25L | 12-16% | 6 years |
Zero Cost EMI Options for IVF Surrogacy Treatment
| Payment Breakup | 1 IVF Cycle
+ 1 transfer of self egg. |
1 IVF cycle
+ 1 transfer of donor eggs. |
| 1st Payment: at the signature of the contract | 3 lakh | 8 Lakh |
| 2nd Payment: Before Matching | 2 Lakh | 3 Lakh |
| 3rd Payment: Before IVF | 2 Lakh | 5 Lakh |
| 4th Payment: @week 12 | 2 Lakh | 5 lakh |
| 5th Payment at Week 24 | 1 Lakh | 5 Lakh |
| Total Cost | 10 Lakh | 25 Lakh |
Other tips with longer EMI duration:
– 0% EMI for 6-12 months available
– Credit card conversion options
– Clinic payment plans
– Corporate tie-ups benefits
International Surrogacy Options When India Is Not Possible
Many countries other than India have legal surrogacy treatment that is easily accessible for Indians. Surrogacy abroad for Indians with affordable packages includes India-Kenya cross-border surrogacy, Colombia, Tanzania, Australia, the USA, Canada, and European countries. Georgia is the most popular surrogacy option for Indian couples when compared to international surrogacy costs.
Georgia surrogacy costs $40,000-50,000 and is most popular for Indians
Surrogacy in Georgia, at FertilityWorld, starts from USD40,000 ONLY. The center’s cutting-edge ART technologies are handled by the finest infertility specialists, who ensure the distinct parenthood dreams. This inclusive package involves all the requirements of surrogacy, including self-cycle, donor-cycle, all IVF procedures, surrogate compensation, medications, etc.
USA Surrogacy: $100,000-150,000—Best Legal Protection
When compared, the surrogacy cost in the USA is more expensive than in other Western nations, but the country offers the best legal protection in legal parentage, world-class treatment, the finest doctors in the world, and advantages for the child to acquire its citizenship. Surrogacy cost comparison table for Indian couples in other countries:
| Country | Cost (INR) | For Whom | Success Rate |
| USA | ₹80-120L | All couples | 85% |
| Canada | ₹45-75L | All family orientation | 75% |
| Australia | ₹40-69L | All family orientation | 70% |
| Georgia | ₹35-45L | Married couples | 65% |
| Tanzania | 16-21 | lack of a specific law | 65% |
| Greece | ₹40-50L | Married couples | 60% |
| Explore International Surrogacy Options—Free Consultation. Contact Fertility World. | |||
Common Problems During Surrogacy Journey—Solutions Guide
A surrogacy journey to parenthood can be challenging. It is inevitable to have common problems during the surrogacy journey. The team of knowledgeable Fertilityworld experts has discussed surrogacy issues and solutions, potential complications, and what to do if surrogacy fails.
What If Surrogacy Fails in the First Attempt—Next Steps
The success of surrogacy is dependent upon different factors, including female age, quality of gametes, fertility conditions, and the technology provided at the clinic. Usually, surrogacy is achieved in the first attempt, but don’t worry if it fails. Surrogacy is achieved in 1 to 3 attempts. Every repeated attempt creates a fresh embryo that ensures an absolute success rate.
Legal Disputes in Surrogacy—How to Prevent and Handle
Sometimes, legal disputes in surrogacy are incurred, but are usually solved by the providing clinic. To prevent and handle legal disputes in surrogacy, we ensure:
- Prioritize legal agreements from the start.
- Represent separate legal counsel for both the intended parents and the surrogate.
- Obtain professional pre-surrogacy counseling.
- Before and during the process, clear communication, choosing favorable jurisdictions, and ensuring the surrogate matching.
- We initiate a mediated settlement, which is often the best approach when a dispute arises.
Government Schemes for Free IVF and Surrogacy Support
Privately, it is difficult to get free IVF and surrogacy support. However, there are some government surrogacy schemes offered to financially unstable intended couples through free IVF at government hospitals in India and state fertility support. Read below for more details:
Tamil Nadu Free IVF Scheme Covers 2 Cycles
The Tamil Nadu state government offers subsidized or free IVF schemes in some government hospitals for up to 2 cycles through various programs and health insurance schemes; however, the exact coverage, including the number of cycles, depends on the specific hospital and clinic, the patient’s eligibility, and the scheme’s terms and is applicable only for the advertised time. To check your eligibility for the Tamil Nadu Free IVF Scheme, which covers 2 cycles, contact Fertilityworld.
Delhi Government ₹3 Lakh Fertility Support Program
There is no specific Delhi government program offering ₹3 lakh for fertility support. The amount of ₹3 lakh is the estimated cost of a single IVF treatment cycle in different private clinics in Delhi.
There are other financial assistance schemes launched by the Delhi government
To support fertility, they include:
- Delhi Arogya Kosh: This scheme provides financial assistance for treatment in government hospitals for patients with an annual family income up to ₹3 lakh. The Delhi Arogya Kosh scheme covers a wide range of medical treatments and interventions free of cost in government hospitals.
- Janani Suraksha Yojana (JSY): This JSY scheme provides cash assistance to eligible pregnant women (SC, ST, and BPL categories) for delivery and post-delivery care in institutions, aiming to reduce maternal and infant mortality.
For those couples seeking IVF treatment, the typical cost for an IVF cycle in Delhi ranges from ₹1.5 lakh to ₹2.20 lakh, with some advanced packages costing more.
Frequently Asked Questions About Surrogacy Cost in India
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Conclusion—Start Your Surrogacy Journey with Confidence
Want to start your surrogacy journey with confidence? Get connected with Fertilityworld—renowned as the best surrogacy center in India. The assisted parenthood journey can be emotional and challenging, but Fertilityworld has served surrogacy for over 25 years. Its technology is world-class and upgraded, and provides efficient success with no compromise. The clinic is committed and gives free fertility consultation and delivers parenthood at the most transparent and reasonable cost (₹10-25 lakhs) with a guaranteed success rate. Your one right and bold decision will give you your parenthood dreams. Start the surrogacy process with us today.
