Surrogacy Cost in India: A Complete 2025 Guide

Intended parents in India typically spend ₹10–20 lakh (about $12,000–$25,000) for a full surrogacy cycle . This all-inclusive price covers the IVF procedure, medications, prenatal care of the surrogate, delivery and legal fees. Under India’s new law only altruistic surrogacy is allowed, so surrogate fees are prohibited – only medical expenses are covered. Clinics structure these services into packages (often labeled “Basic,” “Advanced,” or “Guaranteed”). For example, one provider lists a Basic package (₹10 lakh) and an Advanced (₹11 lakh) for one IVF cycle, versus a multi-cycle “Guaranteed” package at ~₹20 lakh). Leading centers like Vinsfertility,Indira IVF and Vinshealth offer similar price ranges, but differences lie in what each plan includes and the quality of care.

Surrogacy Cost in India – 2025 Price Breakdown Table

💰 Total Package Cost Summary

Estimated Cost of Surrogacy in India

On average, Indian couples pay roughly ₹10–20 lakh (Rs. 10–20 lakhs) for one successful baby through surrogacy. For instance, one fertility centre in Delhi reports packages ranging from about ₹15 lakh to ₹25 lakh. The wide range reflects clinic location and services. Metropolitan cities (Delhi, Mumbai, Bangalore) and top hospitals usually charge more. Smaller cities or new clinics may offer lower base rates (near ₹10–12 lakh), but costs can rise with extras.

Overall cost includes everything needed for the pregnancy: IVF procedures (egg retrieval, fertilization, embryo transfer), fertility drugs, scans, and lab work; plus the surrogate’s medical care (screenings, ultrasounds, prenatal checkups) and delivery at a hospital. It also covers legal and administrative fees (contracts, insurance, paperwork). Clinics typically present this as a bundled surrogacy package. You should ensure the quoted price really covers all these components.

Cost Breakdown and Package Types

A typical surrogacy package itemizes several components. It will include one IVF cycle – that means hormone injections, regular monitoring (blood tests/ultrasounds), egg retrieval and embryo transfer – along with all required fertility medications. The package also covers the surrogate’s medical expenses: initial recruitment and health screening, prenatal care (monthly checkups and scans), and hospital delivery costs. After delivery, the baby’s birth certificate and discharge paperwork are arranged, which is usually included too.

Clinics often offer tiered packages to match needs. For example, one provider advertises:

• Basic Surrogacy Package: ~₹10,00,000 for one IVF cycle using the intended mother’s eggs, covering all standard care.
   
• Advanced Package: ~₹11,00,000 for one cycle including an egg donor, if needed.
   
• Guaranteed Package: ~₹20,00,000 for multiple IVF attempts (with either own or donor eggs) until pregnancy is achieved.
   

The “Guaranteed” label typically means the clinic will provide repeat IVF cycles (within a time frame) or refund policies if pregnancy doesn’t occur. It is not a true guarantee of a baby, but a financial assurance covering extra cycles. Couples should read terms carefully: clarify how many attempts are included and whether donors or extra tests cost extra.

Example: In a Basic plan (₹10L), the clinic might cover one complete IVF cycle and baby delivery. If the first attempt fails, a couple might need to pay again for a second cycle, or upgrade to a Guaranteed plan. By contrast, a ₹20L Guaranteed plan might include up to 2–3 cycles or a refund after one cycle. Always ask what “packages” actually include in writing to avoid surprise expenses.

Legal and Medical Considerations

India’s Surrogacy (Regulation) Act, 2021 (effective from January 2022) imposes strict rules. Only altruistic surrogacy is permitted. This means surrogate mothers (who must be close relatives of the intended parents) cannot receive any compensation beyond medical and insurance expenses. In practice, many resources now speak of “surrogate mother cost in India”, but legally this is limited to reimbursements (e.g. prenatal vitamins, travel, lodging) rather than a fee.

The law also specifies that only Indian married couples are eligible (having tried 5+ years and with certified infertility. Foreign nationals, single individuals, and same-sex couples are not allowed surrogacy in India. Clinics must follow government guidelines (ICMR) for surrogate screening: health, age (usually 25–35), and previous healthy pregnancy are required. These compliance steps (boarding with the national/state boards, drafting legal contracts) add administrative time and cost, but they protect all parties.

Medically, advanced procedures may increase costs. For example, pre-implantation genetic testing (PGT) or ICSI (intracytoplasmic sperm injection) can add fees. If donor eggs or sperm are used, donor screening and compensation (often ₹1–2 lakh for an egg donor, per clinic policy) is extra. However, since surrogates cannot be paid a wage under the new law, the surrogate’s fee is no longer a separate cost – only her medical care and insurance (often ₹50k–1L for pregnancy insurance) are budgeted.

Low-Cost Centres vs. Premium Clinics

Some couples search specifically for a “low cost surrogacy centre in India”. These usually mean clinics in tier-2 cities or new centers that offer basic packages around ₹10–12 lakh to remain affordable. While cost savings can be significant, parents must be cautious. A very low quote may omit important services or use older facilities. It’s critical to verify that any low-cost clinic is properly registered under the Surrogacy Act and follows medical standards. For instance, check that the clinic has a qualified IVF team, accreditations, and lists all included services.

In contrast, premium clinics in metros may charge more (as noted above) because they provide comprehensive care and amenities. They often bundle extras like a fixed number of IVF cycles, deluxe hospital rooms, or international coordination. At any facility, always demand a detailed fee sheet. Ask: Are additional embryo storage or extra ultrasounds covered? Is a contingency plan included if the first pregnancy fails? A slightly higher package price that covers a second IVF attempt may be more cost-effective than paying piecemeal later.

Choosing the Right Clinic and Package

When evaluating providers, consider both price and support. Clinics like Fertility World (Delhi), Avya IVF (Noida/Delhi) and Nimaaya IVF (Bangalore) all market full-service surrogacy programs. Their costs typically fall in the ranges discussed above, but each has its own strengths. Some emphasize cutting-edge labs and high success rates; others highlight counseling or international patient services.

Our approach: We strive for full transparency and personalized care. For example, we provide a clear “Surrogacy Package in India” quote listing exactly what is included (number of IVF cycles, medications, prenatal checkups, delivery, and legal work) with no hidden fees. We assign a dedicated coordinator to each case to manage every step – medical, travel, and legal. We also handle all necessary approvals under the Surrogacy Regulation Act so parents don’t have to navigate complex paperwork alone. This patient-focused model ensures that the quoted surrogacy fee truly reflects all foreseeable costs, giving couples confidence in budgeting.

When comparing clinics, don't just look at the bottom-line price. Ask about guarantees – e.g. if a clinic offers a “guaranteed surrogacy” plan, understand the terms. A higher fee may include multiple embryo transfers, but ask if a refund is offered if pregnancy isn’t achieved. Also inquire about success statistics and support (like legal advice, psychological counseling, or postnatal care). Sometimes a slightly higher package is justified by better outcomes or service.

Conclusion

In 2025, surrogacy in India remains an expensive but life-changing option. Budget-wise, expect around ₹10–20 lakh for a typical case. This sum covers the bulk of expenses (IVF, maternity care, hospital, and legal), especially now that direct surrogate fees are banned. Actual costs depend on many factors: clinic location, package type, donor use, and how many attempts are needed. Be sure to compare surrogacy packages in India carefully – what one center calls “Basic” at ₹10L might look identical to another’s “Advanced.” Verify exactly what each quote includes.

Popular clinics (likeVinsfertility, Vinshealth, Indiar IVF) provide reputable options at similar price bands, but their service models differ. Our recommendation is to choose a clinic that balances cost with comprehensive support: transparent billing, experienced medical staff, and guidance through all legal requirements. By understanding the surrogacy cost breakdown and legal framework, Indian intended parents can confidently plan their journey. Ultimately, the goal is the same for every family – a healthy baby – and smart budgeting ensures that every rupee spent is contributing to that precious outcome.