Surrogacy Cost in Chandigarh: Quick Answer
A complete altruistic surrogacy journey in Chandigarh costs ₹12–18 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 ₹13–15 lakh.
Chandigarh serves couples from Punjab, Haryana and Himachal Pradesh. It has fewer clinics than Delhi but lower hospital charges, which keeps the top end of the range well below Delhi’s.
Itemised Surrogacy Cost Breakdown in Chandigarh
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) | ₹2,00,000 – ₹3,00,000 | Stimulation, egg collection, lab work, embryo freezing and medicines |
| Embryo transfer | ₹60,000 – ₹1,20,000 | Up to two transfers into the surrogate |
| Surrogate screening | ₹50,000 – ₹50,000 | Medical and psychological fitness tests |
| Pregnancy care | ₹2,55,000 – ₹3,50,000 | Nine months of check-ups, scans, tests and medicines |
| Surrogate insurance | ₹75,000 – ₹1,25,000 | Mandatory 36-month health cover |
| Delivery and newborn care | ₹1,25,000 – ₹2,00,000 | Normal or C-section delivery and routine newborn care |
| Legal and approvals | ₹75,000 – ₹1,50,000 | Agreements, medical board certificate, magistrate’s order, certificates |
| Counselling | ₹10,000 – ₹30,000 | Sessions for the couple and the surrogate |
| Coordination support | ₹2,00,000 – ₹2,50,000 | Paperwork, scheduling and support through every stage |
| Contingency | ₹1,50,000 – ₹2,25,000 | An extra transfer, complications or NICU care if needed |
| Total | ₹12,00,000 – ₹18,00,000 | Typical altruistic surrogacy in Chandigarh |
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 Chandigarh
Chandigarh has 17 IVF (ART) clinics on the national ART registry list (data as of April 2026). Across them, estimated surrogacy costs run from ₹15 to ₹18 lakh (typical ₹16 lakh), and IVF cycles from ₹1.5 to ₹3.3 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* |
|---|---|---|---|---|
| Apollo Fertility (a Unit of Apollo Fertility Centre Private Limited | Sco 809, 810, Sec 22a, Chandigarh | CH/AC/2024/15782/L2/Chandigarh/32 | ₹1.6 lakh | ₹16 lakh |
| Bedi IVF & Infertility Centre | 182, Sector 33 A Chandigarh | CH/AC/2022/11134/L2/Chandigarh/07 | ₹1.9 lakh | ₹18 lakh |
| Birla Fertility & IVF, Chandigarh | Sco 190-191-192 (1st Floor & Part 2nd Floor) Sector 8c, Chandigarh | CH/AC/2023/14185/L2/Chandigarh/28 | ₹2.7 lakh | ₹16 lakh |
| Department of Obst. & Gynae, Pgimer, Chandigarh | Sector-12, Chandigarh | CH/AC/2022/12105/L2/Chandigarh/05 | ₹2.1 lakh | ₹17.5 lakh |
| Dhak Fertility Clinic | Third Floor S.c.o. 82-83, Sector 17 C, Chandigarh | CH/AC/2024/15621/L2/Chandigarh/31 | ₹2.6 lakh | ₹18 lakh |
| Evaa Fertility & Gyanecology Centre | Sco 908 Near Housing Board Lights Nac Manimajra | CH/AC/2022/11277/L2/Chandigarh/09 | ₹2.5 lakh | ₹17.5 lakh |
| Indira IVF Hospital PVT. LTD. | Ground & First Floor, Sco-156-159, Sector 9 C, Madhya Marg, Chandigarh | CH/AC/2022/10404/L2/Chandigarh/08 | ₹1.7 lakh | ₹16.5 lakh |
| Jannee Fertility Centre | Jannee Fertility Centre , # 320 Sector 40 A | CH/AC/2022/11044/L2/Chandigarh/11 | ₹1.5 lakh | ₹18 lakh |
| Jindal IVF & Sant Memorial Nursing Home | # 3050, Sector 20-d, Chandigarh | CH/AC/2022/10792/L2/Chandigarh/06 | ₹3.2 lakh | ₹15.5 lakh |
| Jindal IVF (asuv Swasthya Private Limited) | H. No. 3050, Sector 20-d, Chandigarh | CH/AC/2025/16196/L2/Chandigarh/34 | ₹1.7 lakh | ₹16 lakh |
Show all 17 registered clinics
| Clinic | Area | Registration no. | IVF cost* | Est. surrogacy cost* |
|---|---|---|---|---|
| Kids Clinic India Limited Cloudnine Fertility | Plot No.48 Industrial Area, Phase 2, Near Passport Office Chandigarh | CH/AC/2022/11595/L2/Chandigarh/04 | ₹3.3 lakh | ₹18 lakh |
| Medicover Healthcare PVT Tld | Sco 809-810, Sector 22a, Chandigarh | CH/AC/2022/10348/L2/Chandigarh/12 | ₹3.1 lakh | ₹17.5 lakh |
| Milann Fertility Centre | 396, Sector 46 A | CH/AC/2022/10152/L2/Chandigarh/03 | ₹3 lakh | ₹16 lakh |
| Motherhood Chaitanya Clinics (a Unit of Meskhenet Healthcare Private Limited) | Sco- 138-140, Second Floor, Sector 43 B, Chandigarh | CH/AC/2022/10347/L2/Chandigarh/02 | ₹2.4 lakh | ₹15 lakh |
| Nova IVF Fertility ( A Unit of Rhea Healthcare Private Limited) | Sco No. 193-194-195, Ground & First Floor, Sector 34 A, Chandigarh Pin | CH/AC/2024/15601/L2/Chandigarh/29 | ₹3 lakh | ₹15 lakh |
| Nova IVF Fertility Chandigarh | Sco No. 193-194-195, Ground & First Floor, Sector 34 A, Chandigarh . | CH/AC/2022/13165/L2/Chandigarh/01 | ₹3.1 lakh | ₹15 lakh |
| Reviva Fertility and IVF Clinic | Sco 50-51,ground Floor,sector 9-d,madhya Marg,chandigarh | CH/AC/2022/10944/L2/Chandigarh/10 | ₹3.3 lakh | ₹15.5 lakh |
*Costs are indicative estimates, not quotes. Surrogacy estimates are kept within our itemised Chandigarh 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 (April 2026); Vinsfertility does not endorse any listed clinic.
What Is Included and What Costs Extra
In Chandigarh the total depends mostly on the number of IVF cycles and the delivery hospital. Legal and insurance costs are the same as elsewhere.
Usually included in ₹12–18 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 Chandigarh
Surrogacy Steps in Chandigarh and When You Pay
Approvals come from Chandigarh’s Appropriate Authority under the Surrogacy Act, set up by the UT health department. The District Medical Board certifies the medical need, and a magistrate’s court issues the parentage and custody order before the embryo transfer. A clinic in Mohali or Panchkula files with Punjab or Haryana instead.
- Consultation and testsMonth 1part of IVF cost
A doctor confirms the medical reason you need surrogacy.
- IVF and embryo freezingMonths 1–3₹2–3 lakh
Your embryos are created and frozen.
- ApprovalsMonths 2–5₹2–3.25 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₹0.6–1.2 lakh
One or two transfers until a pregnancy is confirmed.
- Pregnancy care9 months₹2.55–3.5 lakh
Paid in stages as check-ups and scans happen.
- Delivery and birth certificateMonths 16–24₹1.25–2 lakh
The baby’s birth certificate carries your names as parents.
Who Can Have Surrogacy in Chandigarh
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 Chandigarh
Chandigarh has fewer registered IVF clinics than the metros, so check each one’s surrogacy registration carefully.
- 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.
- Which authority files your approvals: Chandigarh, Punjab (Mohali) or Haryana (Panchkula) – it depends on where the clinic is registered.
- No “guaranteed baby” packages and no payment to the surrogate beyond what the law allows.
Travelling to Chandigarh? Shaheed Bhagat Singh International Airport and Chandigarh railway station connect the Tricity to Delhi and the rest of India. Plan to be in Chandigarh for the consultation, egg collection, the court hearing and the delivery.
Surrogacy Cost in Chandigarh vs Other Cities
Couples from Punjab and Himachal often compare Chandigarh with Delhi. Chandigarh’s typical total is several lakh lower, mostly because of hospital charges.
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 Chandigarh.
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 Chandigarh.
- 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 Chandigarh in 2026?
About ₹12–18 lakh for one complete altruistic surrogacy journey. Most couples using their own eggs and sperm with one or two embryo transfers spend ₹13–15 lakh.
Is Chandigarh cheaper than Delhi?
Usually yes. A typical journey costs ₹13–15 lakh in Chandigarh against ₹17–21 lakh in Delhi.
Who approves surrogacy in Chandigarh?
Chandigarh’s own Appropriate Authority issues the certificates for clinics in the UT. Clinics in Mohali or Panchkula file with Punjab or Haryana instead.
Is the surrogate paid in Chandigarh?
No fee is allowed anywhere in India. 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 Chandigarh?
Usually 16–24 months from the first consultation to the birth, including about 2–4 months for approvals.
Why could our cost go above ₹18 lakh?
Several IVF cycles, donor gametes, embryo testing, twins, complications or a long NICU stay can all add to the total.
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.