| Typical Cost | ₹12–25 Lakhs (eligible candidates) |
| Legal Type | Altruistic only — Act 2021 |
| Major Components | IVF, surrogate care, insurance, legal |
| Surrogate Insurance | 36 months (mandatory) |
| Timeline | 18–24 months |
What Does Surrogacy Cost in India?
For eligible candidates, the total cost of altruistic surrogacy in India typically ranges between ₹12 Lakhs and ₹25 Lakhs. This is not a single fixed fee but the sum of several medical, insurance and legal expenses across an 18–24 month journey. Because commercial surrogacy is banned under the Surrogacy (Regulation) Act, 2021, none of this cost is a payment to the surrogate — she may only receive medical expenses and insurance cover.
The final figure depends on your city, the clinic you choose, whether donor gametes are needed, and how many IVF cycles are required to achieve a successful pregnancy.
Surrogacy Cost Breakdown
Here is how the surrogacy fees in India are typically distributed:
- IVF & embryo creation — ovarian stimulation, egg retrieval, ICSI, blastocyst culture (and optional PGT-A).
- Surrogate medical care — antenatal check-ups, scans, medicines and delivery across 9 months.
- Mandatory surrogate insurance — a 36-month health insurance policy is legally required.
- Legal & documentation — ART Board registration, agreements, magistrate order and birth certificate.
- Coordination & counselling — psychological support and end-to-end case management.
What Makes the Cost Go Up or Down?
Several factors decide where you land in the ₹12–25 Lakh range:
- City & clinic tier — metro clinics in Delhi, Mumbai and Bangalore cost more than Tier-2/3 cities. See our city-wise surrogacy cost guide.
- Number of IVF cycles — if the first embryo transfer fails, additional cycles add to the total.
- Donor eggs or sperm — needed in some cases, these add to the base cost.
- Genetic testing (PGT-A) — optional embryo screening adds roughly ₹40,000–80,000.
Frequently Asked Questions
How much does surrogacy cost in India in 2026?
For eligible candidates, altruistic surrogacy in India costs approximately ₹12–25 Lakhs, depending on city, clinic and number of IVF cycles. This covers IVF, surrogate care, mandatory insurance, delivery and legal work.
What is included in the surrogacy cost?
The cost includes IVF and embryo creation, the surrogate's antenatal and delivery care, the mandatory 36-month surrogate insurance, medicines, coordination, and all legal documentation and registrations.
Why does surrogacy cost vary so much?
Costs vary because clinic fees, IVF lab charges and medical expenses differ between metro cities and smaller towns, and because the number of IVF cycles needed differs from couple to couple.
Is the surrogate paid in altruistic surrogacy?
No. Under the 2021 Act, the surrogate cannot be paid a fee. She may only receive coverage of medical expenses and the mandatory insurance. Commercial surrogacy is illegal in India.