Surrogacy Cost in Panaji: Quick Answer
A complete altruistic surrogacy journey in Panaji 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 the law requires. Most couples who use their own eggs and sperm and need one or two transfers spend ₹13–15 lakh.
Surrogacy in Goa follows the same national law as the rest of India: the Surrogacy (Regulation) Act, 2021 and its Rules. The surrogate is not paid a fee. You pay for her medical care, her insurance and the other expenses the Rules allow.
Itemised Surrogacy Cost Breakdown in Panaji
Every line below adds up to the total, so you can see exactly 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 | Medical and psychological fitness tests |
| Pregnancy care | ₹2,50,000 – ₹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 | ₹15,000 – ₹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 Panaji |
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 Panaji
Panaji has 2 IVF (ART) clinics on the national ART registry list (data as of April 2026). Across them, estimated surrogacy costs run from ₹17 to ₹18 lakh (typical ₹18 lakh), and IVF cycles from ₹2.9 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* |
|---|---|---|---|---|
| Dr Kedar's Maternity, Infertility and Surgical Hospital | 201-202, Akash Bhavan, Opp. Mathais Plaza Panaji Goa | GA/AC/2022/10579/L2/NG/01 | ₹2.9 lakh | ₹18 lakh |
| White Stork IVF - A Unit of White Stork Global Fertility PVT. LTD. | 1st Floor, Block A, Unit I, 106-110, Adwalpalkars Horizon, Tiswadi, Du… | GA/AC/2025/16833/L2/NORTHGOA/04 | ₹3.3 lakh | ₹17 lakh |
*Costs are indicative estimates, not quotes. Surrogacy estimates are kept within our itemised Panaji 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
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 Goa
Surrogacy Steps in Goa and When You Pay
In Goa, surrogacy approvals come from the state’s Appropriate Authority, the Director of Health Services, Campal-Panaji. Clinics must also be registered for surrogacy, not just for IVF.
- 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₹2.5–3.5 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 Panaji
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 Panaji
Panaji has only a few registered fertility clinics, so check these points before you pay any advance:
- 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.
- No “guaranteed baby” packages and no payment to the surrogate beyond what the law allows.
Travelling to Panaji? Goa has two airports – Dabolim and Manohar International at Mopa. Most couples need to be in Goa for the first consultation, egg collection, the court hearing and the delivery; the rest can often be followed up remotely.
Surrogacy Cost in Panaji vs Other Cities
| City | Typical total | Why |
|---|---|---|
| Panaji | ₹12–18 lakh | Fewer clinics; costs close to mid-size cities |
| Mumbai | ₹18–25 lakh | Higher hospital and room charges |
| Pune | ₹10–18 lakh | Many IVF centres, more price competition |
| Belagavi | ₹12–18 lakh | Similar costs, nearest city across the border |
| Bengaluru | ₹9–18 lakh | Wide range: many clinics at every price level |
| Delhi | ₹15–25 lakh | Large centres, higher overheads |
IVF lab work, medicines and legal steps cost about the same everywhere. The difference between cities comes mainly from hospital charges during pregnancy and delivery.
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 Panaji.
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 Panaji.
- 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. Goa’s Appropriate Authority is named in the state’s official notice.
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 Panaji 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 surrogacy legal in Goa?
Yes. Altruistic surrogacy is legal in Goa under the Surrogacy (Regulation) Act, 2021. Commercial surrogacy, where the surrogate is paid a fee, is banned across India.
Who approves surrogacy in Goa?
The Appropriate Authority for Goa is the Director of Health Services, Campal-Panaji. It registers clinics and issues the eligibility and essentiality certificates, after a District Medical Board certifies the medical need.
Is the surrogate paid in Panaji?
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. A single woman must use her own eggs.
How long does surrogacy take in Panaji?
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?
Extra IVF cycles or transfers, donor gametes, embryo testing, twins, complications or NICU care can all add to the total.
What documents do we need to start?
Proof of marriage and age, identity documents, your medical records showing why you need surrogacy, and later the District Medical Board certificate and the magistrate’s order. The clinic or coordinator usually helps prepare them.
Do we have to stay in Goa for the whole journey?
No. You usually need to be there for the consultation, egg collection, the court hearing and the delivery. Scans and updates during the pregnancy can often be shared remotely.
Is surrogacy cheaper in Panaji than in Mumbai?
Usually yes. A typical journey costs ₹12–18 lakh in Panaji against ₹18–25 lakh in Mumbai, mainly because hospital charges are lower.
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.