Surrogacy Cost in Mumbai: Quick Answer
A complete altruistic surrogacy journey in Mumbai costs ₹18–25 lakh in 2026. That covers IVF, embryo transfer, the surrogate’s medical care and 36-month insurance, delivery, and the legal approvals. Most couples who use their own eggs and sperm and need one or two transfers spend ₹19–22 lakh.
Mumbai is the most expensive city in India for surrogacy. The medical steps are the same as elsewhere, but hospital rooms, delivery and neonatal care cost more here, and the surrogate’s stay near the hospital adds to the bill.
Itemised Surrogacy Cost Breakdown in Mumbai
Every line below adds up to the total, so you can see where the money goes.
| Cost item | Estimated cost | What it covers |
|---|---|---|
| IVF (1–2 cycles) | ₹3,00,000 – ₹4,15,000 | Stimulation, egg collection, lab work, embryo freezing and medicines |
| Embryo transfer | ₹90,000 – ₹1,65,000 | Up to two transfers into the surrogate |
| Surrogate screening | ₹75,000 – ₹75,000 | Medical and psychological fitness tests |
| Pregnancy care | ₹3,75,000 – ₹4,80,000 | Nine months of check-ups, scans, tests and medicines |
| Surrogate insurance | ₹1,15,000 – ₹1,75,000 | Mandatory 36-month health cover |
| Delivery and newborn care | ₹1,90,000 – ₹2,80,000 | Normal or C-section delivery and routine newborn care |
| Legal and approvals | ₹1,15,000 – ₹2,10,000 | Agreements, medical board certificate, magistrate’s order, certificates |
| Counselling | ₹15,000 – ₹40,000 | Sessions for the couple and the surrogate |
| Coordination support | ₹3,00,000 – ₹3,45,000 | Paperwork, scheduling and support through every stage |
| Contingency | ₹2,25,000 – ₹3,15,000 | An extra transfer, complications or NICU care if needed |
| Total | ₹18,00,000 – ₹25,00,000 | Typical altruistic surrogacy in Mumbai |
Estimates, not quotes. Your cost depends on your medical case, the number of IVF cycles and the hospital. Always ask for an itemised written quote.
Surrogacy Cost at Registered IVF Clinics in Mumbai
Mumbai has 55 IVF (ART) clinics on the national ART registry list (data as of July 2026). Across them, estimated surrogacy costs run from ₹15 to ₹24 lakh (typical ₹19.5 lakh), and IVF cycles from ₹1.5 to ₹3.5 lakh.
These clinics are registered for IVF under the ART (Regulation) Act, 2021. Surrogacy needs a separate licence under the Surrogacy (Regulation) Act, 2021, and many IVF clinics do not hold one, so ask for the clinic’s surrogacy registration before you sign.
| Clinic | Area | Registration no. | IVF cost* | Est. surrogacy cost* |
|---|---|---|---|---|
| ART Fertility Clinics, A Unit of Global Fertility Solutions Private Limited | Unit No.4, Tower 4, Ground Floor, Equinox Buiness Park, Lbs Marg, Off… | MH/AC/2022/11022/L2/Mumbai/113 | ₹3.2 lakh | ₹22.5 lakh |
| Acme Fertility | 3 Rd Floor, Signature Business Park, Postal Colony Road, Chembur | MH/AC/2022/10593/L2/Mumbai/266 | ₹1.5 lakh | ₹15 lakh |
| Arya Womens Health Care Centre | First Floor Om Shivechha Chs, LTD , Jun of Link Road & M.g Road Dhanuk… | MH/AC/2022/13175/L2/Mumbai/172 | ₹2.9 lakh | ₹21 lakh |
| Ashirwad Maternity and Nursing Home & Ashirwad Centere For Reproductive Medicine | E-5 Highland Park, Guru Gobind Singh Road, Mululund Colony | MH/AC/2022/12766/L2/Mumbai/106 | ₹2.7 lakh | ₹21.5 lakh |
| Babies and Us Fertility and IVF Centre I PVT LTD | Palshetkar Patil Nursing Hoe, 534, Bombay Mututal Terrace, Above Bcma… | MH/AC/2022/11461/L2/Mumbai/276 | ₹1.5 lakh | ₹20.5 lakh |
| Baby4real IVF LLP | 2nd Floor Advanced Multispeciality Hospital, Opp. Cooper Hospital, Nat… | MH/AC/2022/10021/L2/Mumbai/175 | ₹2.2 lakh | ₹23 lakh |
| Budget Fertility Centre | 304, 3rd Floor, Pearl Centre, Senapati Bapat Marg, Dadar West | MH/AC/2022/11419/L2/Mumbai/277 | ₹3.4 lakh | ₹23.5 lakh |
| Cama and Albless Hospital Mumbai | Mahapalika Marg Near Bmc Office Mumbai | MH/AC/2025/16280/L2/Mumbai/295 | ₹2.9 lakh | ₹15.5 lakh |
| Centre For Human Reproduction, Dr. L H Hiranandani Hospital | Dr. L H Hiranandani Hospital, Hillside Avenue, Hiranandani Gardens, Po… | MH/AC/2022/10654/L2/Mumbai/102 | ₹3.2 lakh | ₹23.5 lakh |
| Create IVF & Fertility Centre | Benzer Nursing Home, Benzer, B Wing, 2nd Cross Lane, Lokhandwala Compl… | MH/AC/2022/10203/L2/Mumbai/185 | ₹2.6 lakh | ₹24 lakh |
Show all 55 registered clinics
| Clinic | Area | Registration no. | IVF cost* | Est. surrogacy cost* |
|---|---|---|---|---|
| D Y Patil Fertility Centre | 4th Floor, D Wing, Sector -5, Nerul, Navi Mumbai | MH/AC/2022/11420/L2/Thane/279 | ₹2.7 lakh | ₹17.5 lakh |
| Delight Fertility and IVF Centre | Ground Floor Plot 8(2), 9, 10, 11 Chanchal Smruti Building G D Ambekar… | MH/AC/2024/15269/L2/Mumbai/89 | ₹1.5 lakh | ₹15.5 lakh |
| Dr Ankitas Fertility Centre | First Floor Sector 11 Plot No 21b Nerul East Navi Mumbai | MH/AC/2022/10301/L2/Thane/122 | ₹2.6 lakh | ₹20 lakh |
| Dr Sudha Tandon Infertility/ IVF/ Endoscopy and Maternity Center | Gagangiri Complex, 4th Floor, Rd Number 18, Chembur, Mumbai, Maharasht… | MH/AC/2022/11189/L2/Mumbai/191 | ₹2.5 lakh | ₹19.5 lakh |
| Dr Sushma's Nurture IVF & Fertility Solutions, Vashi Hospital & Icu | 1st Floor, Devavrata Premises, Liberty Housing Society, Sector 17, Vas… | MH/AC/2024/15081/L2/Thane/204 | ₹3.1 lakh | ₹15.5 lakh |
| Dr Ujwala Fertility Centre | Sun Hospital ,excel House ,plot No 6,b J Patel Road,opp Sndt College,n… | MH/AC/2022/12984/L2/Mumbai/280 | ₹1.5 lakh | ₹19.5 lakh |
| Dzire IVF | 3c, 3rd Floor, Goldline Business Center, New Link Road, Malad West | MH/AC/2024/15572/L2/Mumbai/287 | ₹2.3 lakh | ₹17 lakh |
| Embrion ART PVT LTD | 101, 1st Floor, Classical Commercial Complex, Kannamwar Nagar 2, Vikhr… | MH/AC/2022/10142/L2/Mumbai/226 | ₹2.3 lakh | ₹19 lakh |
| Genomics Infertility Center | Thirumalai House,1st Floor, Above Dhanlakshmi Bank Near New Sies Colle… | MH/AC/2022/10054/L2/Mumbai/262 | ₹3.5 lakh | ₹21.5 lakh |
| IVF Spring Fertility Centre & Nursing Home | Shop No. 20, Ground Floor, Kanakia Zillion Building, Lbs Marg-cst, Roa… | MH/AC/2022/11025/L2/Mumbai/183 | ₹1.9 lakh | ₹19.5 lakh |
| Ikan Fertility Associates LLP | 4th Floor, Gupte House, 81 S V Road, Khar West Mumbai | MH/AC/2022/10019/L2/Mumbai/214 | ₹2.3 lakh | ₹18.5 lakh |
| Indira IVF Hospital Private Limited | B+g+1 Floor, Shop No. 2 & 3, Cts No. 207-211, Ambrosia, Western Expres… | MH/AC/2022/10552/L2/Mumbai/264 | ₹3.2 lakh | ₹16.5 lakh |
| Jaslok Hospital and Research Centre | 15, Dr G Deshmukh Marg, Peddar Road, Mumbai | MH/AC/2022/10699/L2/Mumbai/192 | ₹1.5 lakh | ₹24 lakh |
| Jilla IVF Center | 202 Crystal Point Mall, Link Road, Andheri West. | MH/AC/2022/10366/L2/Mumbai/228 | ₹2.5 lakh | ₹22.5 lakh |
| Kamala Polyclinic and Nursing Home | 66-c Motiwala Building, 1st Floor, Gowalia Tank, A K Marg, Mumbai | MH/AC/2022/10010/L2/Mumbai/164 | ₹2.3 lakh | ₹23 lakh |
| Kids Clinic India Limited Cloudnine Fertility | Plot No.17, Sector 19d Vashi, Navi Mumbai | MH/AC/2022/10544/L2/Thane/219 | ₹2.4 lakh | ₹23.5 lakh |
| Life Fertility Centre - A Unit of Nirmala Maternity & Surgical Hospital | 1,2,3,4,7,8, Shubhashish, Subhash Nagar, N. M. Joshi Marg, | MH/AC/2025/16220/L2/Mumbai/248 | ₹2.9 lakh | ₹16.5 lakh |
| Lilavati Hospital and Research Centre IVF Clinic | IVF Department, 2nd Floor, Lilavati Hospital, A-791, Bandra Raclamatio… | MH/AC/2022/11417/L2/Mumbai/274 | ₹1.6 lakh | ₹24 lakh |
| Luma Fertility ( A Unit of Sparrow Health Technologies Private Limited) | Mansionz One, 2nd Floor, Linking Road, Above Shoppers Stop, Plot No. 2… | MH/AC/2025/16286/L2/Mumbai/208 | ₹2 lakh | ₹18 lakh |
| Mahavir IVF Centre | First Floor Sai Vrindavan Chs ,plot No 33 ,sector 9,koparkhairane ,nav… | MH/AC/2024/15965/L2/Thane/243 | ₹2.9 lakh | ₹15.5 lakh |
| Matrutva | B/102, Corporate Center, Andheri-kurla Road, Opp Apna Dhaba, Near J.b.… | MH/AC/2023/14934/L2/Mumbai/201 | ₹3 lakh | ₹19.5 lakh |
| Medansh Multispeciality Hospital | G-1, Satguru Supreme, Valji Ladha Road, Mulund West, Mumbai | MH/AC/2022/10066/L2/Mumbai/225 | ₹2.7 lakh | ₹20.5 lakh |
| Mgm Hospital & Research Centre | 1a, Cbd Belapur, Navi Mumbai | MH/AC/2023/14071/L2/Thane/95 | ₹2.6 lakh | ₹23.5 lakh |
| Minoti Parikh ART-ivf Centre | 3 Rd Floor, Suraksha Raksha Chowki, 60 Feet Road, Rp Nagar, Dharavi, M… | MH/AC/2024/16130/L2/Mumbai/289 | ₹3.4 lakh | ₹23.5 lakh |
| Morpheus Andheri International IVF Center | G2, G3, The Summit Business Bay, Andheri Kurla Road, Adjacent To Cinem… | MH/AC/2022/11099/L2/Mumbai/218 | ₹2.1 lakh | ₹21.5 lakh |
| Mothercare Maternity and Surgical Nursing Home | Gokul Apartment, Kevni Pada, Swami Vivekananda Road | MH/AC/2024/16018/L2/Mumbai/245 | ₹1.6 lakh | ₹15.5 lakh |
| Namaha Healthcare | S.v. Rroad,kandivali West | MH/AC/2022/12525/L2/Mumbai/223 | ₹3.1 lakh | ₹23 lakh |
| Nova IVF Fertility Andheri | Unit No. 101, 1st Floor, Sharayan Audeus, Near Fun Republic, Oshiwara… | MH/AC/2022/11156/L2/Mumbai/87 | ₹1.6 lakh | ₹19 lakh |
| Nova IVF Fertility Chembur | Unit No. 12g,corporate Park Chembur, Sion Trombay Road, Mumbai | MH/AC/2022/11153/L2/Mumbai/84 | ₹1.6 lakh | ₹19 lakh |
| Nulife IVF | Shop No 20,21,22,23,laxmi Icon Chs,plot No 70,sector 44 A,seawoods Wes… | MH/AC/2025/16712/L2/Thane/292 | ₹2.6 lakh | ₹15.5 lakh |
| Oma Hospital | Plot No 5, V N Purav Marg, Opposite K Star Mall, Chembur | MH/AC/2022/12718/L2/Mumbai/171 | ₹3.4 lakh | ₹19 lakh |
| Parulekar Hospital & Test Tube Baby Centre | Vikas Niketan 8/3a. Sec -6 Airoli Navi Mumbai | MH/AC/2023/13981/L2/Thane/197 | ₹2.6 lakh | ₹22.5 lakh |
| Progenesis IVF PVT LTD | Showroom No. 01 & 02, Plot No 1/2, 0sector No.18, Bhumiraj Costarica… | MH/AC/2025/16615/L2/Thane/303 | ₹1.6 lakh | ₹18 lakh |
| Rhea Healthcare PVT Limited Motherhood Hospital Kharghar Navi Mumbai | Near Icici Bank Sector-7 Kharghar Navi Mumbai | MH/AC/2024/15453/L2/Raigad/90 | ₹3.1 lakh | ₹15 lakh |
| Shivdikar Hospital &fertility Clinic | Dr, Shivdikar Bldg 28 A Opp. Shirodkar Market Jagnnath Bhatankar Marg… | MH/AC/2022/12525/L2/Mumbai/223 | ₹1.7 lakh | ₹21.5 lakh |
| Spring Life Sciences Private Limited | 3rd Floor 3c Trust House Global Hospital Annexe Building Dr. Ernest Bo… | MH/AC/2022/11995/L2/Mumbai/224 | ₹2.9 lakh | ₹23.5 lakh |
| Sunrise Fertility and IVF Centre | Trevi Building , Wing-a ,first Floor,shimpoli Road ,borivali West Mumb… | MH/AC/2025/16649/L2/Mumbai/293 | ₹3 lakh | ₹23.5 lakh |
| Surya IVF Clinic Private Limited | Blossom Building, 1st Floor, Abive Canara Bank, Sv Road, Santacruz Wes… | MH/AC/2022/11279/L2/Mumbai/140 | ₹3.3 lakh | ₹17.5 lakh |
| Thanawala Maternity Home& IVF Centre | 9 , Mahavir Centre , Plot 77, Sector 17 , Vashi . Navi Mumbai | MH/AC/2022/11017/L2/Thane/112 | ₹3 lakh | ₹18 lakh |
| Well Women Centre | C/o Sir H.n Reliance Foundation Hospital and Research Centre, Prathna… | MH/AC/2023/13885/L2/Mumbai/196 | ₹1.6 lakh | ₹16 lakh |
| Womb IVF and Weight Management Institute | Gokul Emerald , Opposite Gokul Plaza, Derasar Lane , Besides Videocon… | MH/AC/2022/10661/L2/Mumbai/221 | ₹1.7 lakh | ₹18 lakh |
| Yashadaa Hospital | 118-125 Skicity Retail, First Floor, Opposite Bhandup Police Station,b… | MH/AC/2022/10600/L2/Mumbai/30 | ₹2.4 lakh | ₹20.5 lakh |
| Yashoda Fertility and IVF Center, Parel | Office Premises No 6a, Trust House, 35, Hospital Avenue, Dr. E. Borges… | MH/AC/2025/17029/L2/Mumbai/296 | ₹3.5 lakh | ₹22.5 lakh |
| Yashoda Fertility and IVF Centre, Charni Road | Building 29-e, Mangalwadi Karyalaya, Pathare Kshatriya, Maharshi Karve… | MH/AC/2024/15707/L2/Thane/61 | ₹2 lakh | ₹22 lakh |
| Zoi Fertility | 2nd Floor, Millennium Tower, Behind Petrol Pump, Powai | MH/AC/2022/11820/L2/Mumbai/267 | ₹2.6 lakh | ₹18 lakh |
*Costs are indicative estimates, not quotes. Surrogacy estimates are kept within our itemised Mumbai cost range shown on this page; they can change and may not include every item. Always confirm the current price, what it includes, and the clinic’s surrogacy licence directly with the clinic before you decide. IVF (ART) registration details are as listed on the National ART & Surrogacy Registry (July 2026); Vinsfertility does not endorse any listed clinic.
What Is Included and What Costs Extra
In Mumbai the biggest lines are pregnancy care and delivery. Choosing a hospital in the suburbs or in Navi Mumbai rather than South Mumbai is the most common way couples keep the total nearer ₹18 lakh.
Usually included in ₹18–25 lakh
- IVF and up to two embryo transfers
- Surrogate’s screening, pregnancy care and delivery
- 36-month surrogate insurance
- Medical board certificate, magistrate’s order and legal paperwork
- Counselling and coordination
Can push the cost higher
- More IVF cycles or transfers
- Donor eggs or sperm, where allowed
- Twins, a C-section with complications or NICU stay
- Genetic testing of embryos (PGT)
- Your own travel and stay in Mumbai
Surrogacy Steps in Mumbai and When You Pay
Approvals come from Maharashtra’s Appropriate Authority under the Surrogacy Act, set up by the state health department. The District Medical Board of your district certifies the medical need, and a magistrate’s court issues the parentage and custody order before the embryo transfer. In Mumbai, the District Medical Board for Mumbai City or Mumbai Suburban district handles the certificate, depending on where you apply.
- Consultation and testsMonth 1part of IVF cost
A doctor confirms the medical reason you need surrogacy.
- IVF and embryo freezingMonths 1–3₹3–4.15 lakh
Your embryos are created and frozen.
- ApprovalsMonths 2–5₹3.05–4.6 lakh
A District Medical Board certifies the medical need. A magistrate’s court issues the order on parentage and custody. You buy the surrogate’s 36-month insurance. The Appropriate Authority then issues the eligibility and essentiality certificates.
- Embryo transferMonths 5–7₹0.9–1.65 lakh
One or two transfers until a pregnancy is confirmed.
- Pregnancy care9 months₹3.75–4.8 lakh
Paid in stages as check-ups and scans happen.
- Delivery and birth certificateMonths 16–24₹1.9–2.8 lakh
The baby’s birth certificate carries your names as parents.
Who Can Have Surrogacy in Mumbai
Married couple
- Indian, legally married
- Wife 23–50, husband 26–55
- Medical need certified by a District Medical Board
- No surviving child (limited exceptions)
Single woman
- Widow or divorcee aged 35–45
- Must use her own eggs with donor sperm
Surrogate
- Married woman aged 25–35 with her own child
- Can be a surrogate only once
- Medically and psychologically fit
Donor eggs or sperm: since the February 2024 amendment to the Rules, a couple can use one donor gamete if a District Medical Board certifies the medical need. At least one gamete must come from the couple.
How to Choose a Surrogacy Clinic in Mumbai
Mumbai has dozens of registered IVF clinics, from large hospital chains to single-doctor practices. Prices for the same package can differ by several lakh, so compare itemised quotes, not headline figures.
- Surrogacy registration: ask for the clinic’s surrogacy registration number. An IVF (ART) registration alone is not enough.
- Written, itemised quote: every stage listed separately, as in the table above, with what happens if a transfer fails.
- Delivery hospital: know where the baby will be born and whether it has a neonatal ICU.
- Legal support: who files the medical board, court and Appropriate Authority applications, and whether that is in the price.
- Insurance proof: a copy of the surrogate’s 36-month policy before the embryo transfer.
- Travel time to the delivery hospital: in Mumbai traffic, check how far the surrogate will live from the hospital in her last weeks.
- No “guaranteed baby” packages and no payment to the surrogate beyond what the law allows.
Travelling to Mumbai? Chhatrapati Shivaji Maharaj International Airport connects Mumbai to every major city. Plan to be in Mumbai for the consultation, egg collection, the court hearing and the delivery.
Surrogacy Cost in Mumbai vs Other Cities
| City | Typical total | Why |
|---|---|---|
| Mumbai | ₹18–25 lakh | Highest hospital and room charges in India |
| Pune | ₹10–18 lakh | Many IVF centres, lower hospital costs |
| Nashik | ₹10–18 lakh | Smaller city, lower delivery charges |
| Ahmedabad | ₹12–18 lakh | Large IVF market, moderate hospital costs |
| Delhi | ₹15–25 lakh | Similar metro pricing, wide range |
| Bengaluru | ₹9–18 lakh | Many clinics at every price level |
Couples in Mumbai often do IVF locally and compare delivery costs in Pune or Nashik. That can save several lakh, but it means travel and a second set of doctors, so weigh the saving against the convenience.
Patient Video Reviews
Couples treated through Vinsfertility share their journeys in their own words, with their consent. These stories come from different cities, not only Mumbai.
Babies born with Vinsfertility. Every couple’s treatment and cost is different.
How We Worked Out These Costs
- Price range: the total adds up the itemised parts above for a typical altruistic surrogacy in Mumbai.
- Clinics: names and registration numbers come from the national ART registry list; the costs beside them are estimates.
- Law: checked against the Surrogacy (Regulation) Act, 2021, the Surrogacy (Regulation) Rules, 2022 and the 2024 amendment. State Appropriate Authorities are listed on the national ART and Surrogacy portal.
Medically reviewed by Dr. Rati Rabra
MBBS, DGO, FMAS · IVF specialist and gynaecologist, 12+ years’ experience
Reviewed and updated 30 September 2026.
Frequently asked questions
How much does surrogacy cost in Mumbai in 2026?
About ₹18–25 lakh for one complete altruistic surrogacy journey. Most couples using their own eggs and sperm with one or two embryo transfers spend ₹19–22 lakh.
Why is surrogacy more expensive in Mumbai?
Hospital rooms, delivery and neonatal care cost more in Mumbai than anywhere else in India. IVF and legal costs are close to the national average.
Who approves surrogacy in Mumbai?
Maharashtra’s Appropriate Authority under the Surrogacy Act issues the eligibility and essentiality certificates, after the District Medical Board for your district certifies the medical need.
Is surrogacy cheaper in Pune than in Mumbai?
Usually yes. A typical journey costs ₹10–18 lakh in Pune against ₹18–25 lakh in Mumbai, mainly because of lower hospital charges.
Is the surrogate paid in Mumbai?
No fee is allowed. You pay her medical costs, her 36-month insurance and the other expenses allowed under the Rules.
Can we use donor eggs or sperm?
Since the February 2024 amendment, a couple may use one donor gamete if a District Medical Board certifies the medical need. At least one gamete must come from the couple.
How long does surrogacy take in Mumbai?
Usually 16–24 months from the first consultation to the birth, including about 2–4 months for approvals.
What makes the cost go above ₹25 lakh?
Several IVF cycles, donor gametes, embryo testing, twins, complications or a long NICU stay in a premium hospital.
Sources: Surrogacy (Regulation) Act, 2021 (PRS India) · Surrogacy (Regulation) Amendment Rules, 2024 · Supreme Court of India, Vijaya Kumari S. v. Union of India (9 Oct 2025). Costs are Vinsfertility estimates for 2026.