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Cost & Process

Surrogacy in India: Complete Guide to Process, Laws & Costs

Surrogacy in India: Complete Guide to Process, Laws & Costs
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By Dr. Sunita Singh Rathore ยท Fertility & IVF Specialist
โœ” Medically reviewed by Dr. Sunita Singh Rathore ยท Published 11 Jul 2026 ยท 12 min read

Surrogacy in India: Complete Guide to Process, Laws & Costs

Types of Surrogacy Recognised Under Indian Law

For individuals considering building a family through surrogacy in India, understanding the specific types of surrogacy legally permitted is paramount. The comprehensive guide to Surrogacy in India: Complete Guide to Process, Laws & Costs on Surrogacy.net.in begins by clarifying the framework established by the Surrogacy (Regulation) Act, 2021, and its subsequent amendments. This legal landscape strictly defines who can opt for surrogacy and the specific modalities that are legally recognized, ensuring ethical practices and protection for all parties involved.

Gestational Surrogacy Only: Traditional Surrogacy Prohibited

Under Indian law, only gestational surrogacy is permitted. This distinction is fundamental: in gestational surrogacy, the surrogate mother carries a pregnancy created using the gametes (eggs and sperm) of the intending parents or, in specific cases, donor gametes, where the embryo is transferred to her uterus. The surrogate mother has no genetic link to the child she carries.

Conversely, traditional surrogacy, also known as genetic or straight surrogacy, is explicitly prohibited. In traditional surrogacy, the surrogate mother's own egg is fertilised with the sperm of the intending father or a donor. This means the surrogate has a genetic connection to the child, which is not allowed under the Surrogacy (Regulation) Act, 2021 (in force 25 Jan 2022) to prevent potential disputes over parentage and ensure the well-being of the child and the surrogate. The law firmly establishes that the child born through surrogacy must be genetically related to at least one of the intending parents, or to both, if not using donor gametes, subject to the conditions of the 2024 amendment (Ministry of Health and Family Welfare, Government of India, notified March 2024, accessed July 2026).

Altruistic vs. Commercial Surrogacy: The Legal Distinction

Another crucial distinction in India is between altruistic and commercial surrogacy. The Surrogacy (Regulation) Act, 2021, unequivocally bans commercial surrogacy across the country.

  • Altruistic Surrogacy: This is the only legally permitted form. In altruistic surrogacy, the surrogate mother receives no monetary compensation, reward, or remuneration other than the medical expenses and insurance coverage related to the pregnancy. Her motivation is purely altruistic, often driven by a familial or emotional connection to the intending parents. The intending parents are legally obligated to cover all medical expenses, diagnostic tests, health supplements, and a mandatory insurance cover for the surrogate mother for a period of 36 months post-delivery, as stipulated by the Surrogacy (Regulation) Rules, 2022. This comprehensive care obligation extends to any post-partum complications or health issues arising from the surrogacy procedure.
  • Commercial Surrogacy: This practice, involving payment to the surrogate mother beyond her reasonable medical expenses and insurance, is strictly prohibited. The intention behind this ban is to prevent the exploitation of women and to uphold the dignity of the surrogacy process. Any engagement in commercial surrogacy activities can lead to severe penalties under the Surrogacy (Regulation) Act, 2021.

โš ๏ธ Updated March 2024: Donor Gametes Now Permitted in Specific Medical Cases

A significant amendment to the Surrogacy (Regulation) Rules, 2022, notified in March 2024 by the Ministry of Health and Family Welfare, Government of India, addresses the use of donor gametes. Initially, the law mandated that at least one intending parent's gamete must be used for surrogacy, effectively prohibiting donor gametes for both parents.

The 2024 amendment now permits the use of donor gametes in specific medical conditions, as certified by a District Medical Board. This change primarily benefits intending couples where both partners face medical conditions preventing them from contributing their own gametes, such as azoospermia (absence of sperm) for the male partner and ovarian failure for the female partner (Press Information Bureau, Government of India, 14 March 2024, accessed July 2026). This crucial update provides a pathway for a broader range of eligible intending parents to pursue altruistic gestational surrogacy under Indian law.

The Legal Framework for Ensuring Compliance

To ensure that the surrogacy process adheres strictly to the legally recognised types, several preliminary steps are mandatory. These include a thorough medical evaluation of both the intending parents and the potential surrogate mother, leading to the issuance of a 'Certificate of Essentiality' and an 'Eligibility Certificate'. These certificates confirm the medical necessity for surrogacy and verify that all parties meet the stringent criteria laid out in the Surrogacy (Regulation) Act, 2021, and its rules. Such certifications are integral to preventing prohibited forms of surrogacy and ensuring legal parentage is established for the intending parents, aligning with the altruistic gestational model.

Key Takeaways

  • Only gestational surrogacy, where the surrogate has no genetic link to the child, is permitted in India; traditional surrogacy is banned.
  • Indian law strictly allows only altruistic surrogacy, prohibiting any commercial payment to the surrogate beyond medical expenses and mandatory 36-month insurance.
  • A significant 2024 amendment now permits the use of donor gametes for both intending parents in specific, medically certified cases.
  • Comprehensive medical evaluation and eligibility certificates are mandatory to ensure strict adherence to legal provisions and the altruistic gestational model.

Frequently Asked Questions

Is commercial surrogacy legal in India?

No, commercial surrogacy is strictly prohibited in India under the Surrogacy (Regulation) Act, 2021. The law explicitly permits only altruistic surrogacy, where the surrogate mother receives no monetary compensation beyond her medical expenses, insurance coverage, and other specified expenses directly related to the pregnancy. This legislative change aimed to prevent the exploitation of surrogate mothers and ensure the ethical practice of surrogacy within the country. Intending couples must understand that any agreement involving payment to the surrogate beyond permitted expenses is illegal.

Source: (In force 25 Jan 2022)

Who is eligible to opt for surrogacy in India?

Only infertile Indian married couples are eligible to opt for altruistic surrogacy in India, provided they have a valid medical indication. The Surrogacy (Regulation) Act, 2021 specifies that the intending female partner must be between 25-50 years and the male partner between 26-55 years, and they must have been married for at least five years. Additionally, a "Certificate of Essentiality" and a "Certificate of Eligibility" are required from the appropriate authority, confirming their medical necessity and fulfilling other criteria.

โš ๏ธ The age criteria and marital status are strictly defined by the Act.

Source: (Enacted 2021, In force 25 Jan 2022)

What are the eligibility criteria for a surrogate mother in India?

A surrogate mother in India must be a married woman, aged between 25 to 35 years, who has already had at least one healthy biological child of her own. She can only act as a surrogate once in her lifetime and must be a close relative of the intending couple. The Surrogacy (Regulation) Act, 2021, along with the Surrogacy (Regulation) Rules, 2022, also mandate that she must be medically and psychologically fit to carry a pregnancy, and must provide written informed consent for the surrogacy procedure.

โš ๏ธ Rule 7 of the Surrogacy (Regulation) Rules, 2022 details the eligibility criteria for a surrogate mother.

Source: (Notified 25 Jan 2022)

Can single individuals or same-sex couples opt for surrogacy in India?

No, single individuals, live-in couples, or same-sex couples are explicitly not permitted to opt for surrogacy in India. The Surrogacy (Regulation) Act, 2021 strictly limits eligibility to "infertile married Indian couples" only. This legislative framework focuses on providing altruistic surrogacy as an option for heterosexual married couples facing infertility, specifically excluding other family structures or marital statuses from accessing surrogacy services within the country.

โš ๏ธ The Act was implemented to regulate surrogacy and explicitly defines who can opt for it.

Source: (25 Jan 2022)

What medical conditions qualify a couple for surrogacy in India?

A couple qualifies for surrogacy in India if they possess a medical indication or an infertility condition that makes it impossible for the female partner to conceive or carry a pregnancy to term. This typically includes conditions such as an absent or abnormal uterus, multiple failed IVF attempts, recurrent pregnancy loss, or medical conditions that pose significant risks to the mother or baby if she were to carry the pregnancy. A "Certificate of Medical Indication" from the District Medical Board is mandatory to affirm the necessity of surrogacy.

โš ๏ธ Section 4(3)(a)(i) and Section 4(3)(b)(i) of the Act refer to the necessity of a medical indication for surrogacy.

Source: (In force 25 Jan 2022)

Are donor gametes allowed for surrogacy in India?

Yes, donor gametes are now permitted for altruistic surrogacy in India under specific medical conditions, following an amendment to the Surrogacy (Regulation) Rules, 2022, notified in March 2024. Previously, only genetically related gametes from the intending couple were allowed. This amendment allows the use of a donor egg or donor sperm if one of the intending parents is certified by the District Medical Board to be suffering from a medical condition that prevents them from producing gametes, or if there are other specified medical reasons.

โš ๏ธ The Surrogacy (Regulation) Rules, 2022 were amended on March 14, 2024, to permit donor gametes under specified conditions, replacing the earlier restriction.

Source: (Information updated March 2024)

What documents are required to initiate surrogacy in India?

To initiate surrogacy in India, intending couples must obtain a Certificate of Essentiality and a Certificate of Eligibility, issued by the appropriate authority. These certificates are foundational and necessitate various supporting documents, including a medical indication from the District Medical Board, an order from a Magistrate Court for parentage and custody, and a mandatory general health insurance policy for the surrogate mother. Further requirements include marriage registration, proof of Indian citizenship, identity proofs, and comprehensive medical records of both the intending couple and the surrogate mother, along with her informed consent.

โš ๏ธ The Surrogacy (Regulation) Act, 2021, particularly Section 4, outlines the conditions and required documents for seeking surrogacy in India.

How long does the surrogacy process typically take in India?

The entire altruistic surrogacy journey in India, from initial consultations and legal formalities to the birth of the child, can typically take between 18 to 24 months. This timeline includes several stages: obtaining the necessary eligibility and essentiality certificates from the District Medical Board, finding and screening a suitable surrogate, the In Vitro Fertilization (IVF) cycle for embryo creation, the embryo transfer, the 9-month pregnancy period, and post-birth legal procedures for parental orders. Individual timelines can vary based on medical complexities, legal processing speed, and clinic protocols.

What is the estimated cost of altruistic surrogacy in India?

The estimated cost for altruistic surrogacy in India can range from INR 10-20 lakhs, but this is highly variable and depends on various factors such as the specific medical procedures, clinic charges, and any unforeseen complications. This range primarily covers medical procedures like IVF, embryo transfer, regular check-ups, medication for both the intending mother (if applicable) and surrogate, hospital charges for delivery, and the mandatory insurance coverage for the surrogate mother. It's crucial to remember that commercial payments to the surrogate are illegal; costs only cover medical and associated expenses.

โš ๏ธ The Surrogacy (Regulation) Act, 2021 prohibits commercial surrogacy, meaning the surrogate receives no monetary compensation beyond medical expenses and insurance.

Is insurance mandatory for the surrogate mother in India?

Yes, a general health insurance coverage for the surrogate mother for a period of 36 months is mandatory under the Surrogacy (Regulation) Act, 2021. This insurance must cover all expenses for health complications arising from pregnancy and delivery, both pre and post-partum, as well as any other medical complications that may be attributed to the surrogacy procedure. This provision ensures the well-being and protection of the surrogate mother, providing a crucial safety net for any health issues she might face due to the surrogacy process.

โš ๏ธ The Act specifies the mandatory insurance period and coverage requirements for the surrogate.

Source: (In force 25 Jan 2022)

How can I verify if a surrogacy clinic is legally registered in India?

You can verify if a surrogacy clinic is legally registered in India by checking the official National ART and Surrogacy Registry portal, maintained by the Government of India. This online database provides a comprehensive list of all registered Assisted Reproductive Technology (ART) clinics and surrogacy clinics across the country, indicating their registration status and facility type. It is crucial to use only registered clinics, as operating or seeking services from unregistered facilities is illegal under both the ART (Regulation) Act, 2021, and the Surrogacy (Regulation) Act, 2021.

โš ๏ธ Both the ART (Regulation) Act, 2021 and Surrogacy (Regulation) Act, 2021 mandate registration of clinics with the National Registry.

Source: (Ongoing maintenance (as a live registry))

What types of surrogacy are recognised under Indian law?

Under Indian law, only altruistic surrogacy is recognised and legally permitted. Altruistic surrogacy is defined by the Surrogacy (Regulation) Act, 2021 as a surrogacy where the surrogate mother is not compensated monetarily, beyond medical expenses and insurance coverage directly related to the pregnancy. Commercial surrogacy, involving monetary payment to the surrogate mother for carrying the pregnancy, is strictly prohibited to prevent exploitation. While general medical definitions distinguish between gestational and traditional surrogacy, both must adhere to India's altruistic framework if performed within the country.

โš ๏ธ The WHO source provides general definitions of altruistic and commercial surrogacy; the Surrogacy (Regulation) Act, 2021 is the governing authority for legality and recognition in India.

Source:

References & Sources

Medical & Legal Disclaimer: This article is for general educational purposes only and is not a substitute for professional medical or legal advice. Surrogacy and ART in India are governed by the Surrogacy (Regulation) Act, 2021 and related rules; always consult a qualified doctor and a registered ART/surrogacy clinic for decisions specific to your situation.
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