📍 City-wise Cost Guide · 2026

Surrogacy Cost in India — By City

Transparent, city-wise altruistic surrogacy cost guides with eligibility, process and full legal support — all under the Surrogacy (Regulation) Act, 2021.

₹12–25LTypical Range

1+Cities Covered

ICMRRegistered

🩺 Medically reviewed by Vinsfertility Medical Team 🗓️ Updated July 7, 2026

⚡ Quick Answer

Altruistic surrogacy in India costs approximately ₹12–25 Lakhs for eligible candidates, varying by city and the number of IVF cycles needed. Only altruistic surrogacy is legal under the Surrogacy (Regulation) Act, 2021; commercial surrogacy is banned. The cost covers IVF, surrogate medical care, mandatory 36-month insurance, delivery and legal documentation — but no payment to the surrogate beyond medical and insurance expenses.

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What's Included in the Surrogacy Cost?

The total cost covers the complete medical, legal and care journey — not a payment to the surrogate (which is illegal beyond medical expenses).

IVF & Embryo CreationStimulation, egg retrieval, ICSI, blastocyst culture

Surrogate Medical CareAntenatal care, scans, delivery (9 months)

Mandatory Insurance36-month surrogate health insurance (legally required)

Legal & DocumentationART Board registration, magistrate order, birth certificate

Medicines & MonitoringHormonal support, lab tests, follow-ups

What Makes Surrogacy Cost Vary?

Several factors influence where you land in the ₹12–25 Lakh range.

City & Clinic Tier

Metro clinics (Delhi, Mumbai, Bangalore) cost more than Tier-2/3 cities.

Number of IVF Cycles

If the first embryo transfer fails, additional cycles add to the total.

Donor Gametes

Donor eggs or sperm, if needed, add to the base cost.

Genetic Testing (PGT-A)

Optional embryo screening adds roughly ₹40,000–80,000.

Medical Complications

High-risk pregnancy or extended care can increase costs.

Surrogacy Cost — Frequently Asked Questions

Clear, honest answers about pricing and the law.

How much does surrogacy cost in India in 2026?

For eligible candidates, altruistic surrogacy in India typically costs ₹12–25 Lakhs, depending on the city, clinic, and number of IVF cycles required. This covers IVF, surrogate care, mandatory insurance, delivery and legal work.

Is commercial surrogacy legal in India?

No. Commercial surrogacy is banned under the Surrogacy (Regulation) Act, 2021. Only altruistic surrogacy is permitted, where the surrogate receives no payment beyond medical expenses and insurance, and must be a willing close blood-relative.

Why does surrogacy cost vary by city?

Costs differ because clinic fees, IVF lab charges, and living/medical expenses vary between metro cities and smaller towns. Metro cities like Delhi and Mumbai are usually at the higher end of the range.

What is included in the surrogacy cost?

The cost generally includes IVF and embryo creation, the surrogate's antenatal and delivery care, the mandatory 36-month surrogate insurance, medicines, and all legal documentation and registrations.

Who is eligible for surrogacy in India?

Indian married couples married 5+ years with documented infertility, or Indian widows/divorcees aged 35–45 with a biological child. The surrogate must be a willing close blood-relative, married, aged 25–35, and can act only once.

Surrogacy Cost in India — By City

What's Included in the Surrogacy Cost?

What Makes Surrogacy Cost Vary?

Surrogacy Cost — Frequently Asked Questions

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