For couples facing infertility, surrogacy can be a hopeful way to become parents. Delhi, a busy and modern city in India, is known for offering good surrogacy services. It has advanced hospitals and skilled doctors who specialize in helping people have children through medical treatments.
This guide is here to help future parents understand how much surrogacy costs in Delhi. It explains the latest rules and important things to think about. Since surrogacy involves both strong emotions and a lot of money, this blog aims to give clear and helpful information to make the journey easier.
Estimated Cost Range for Altruistic Surrogacy in Delhi
Understanding the cost of surrogacy in Delhi means knowing the full range of expenses involved. Even though paying the surrogate directly is not allowed, the process still costs a lot because it includes many medical, legal, and insurance steps required by law.
According to information from different fertility clinics, the total cost of a legal, altruistic surrogacy journey in Delhi is usually between INR 14 lakhs and INR 25 lakhs. Some places mention lower ranges, like INR 18–20 lakhs, while others offer packages starting at INR 9 lakhs or even INR 4.8 lakhs. However, the cheaper options often leave out important things like full care for the surrogate, legal fees, insurance, or delivery costs.
It’s important to remember that these prices cover all legal and allowed costs—like medical care, insurance, and payments for the surrogate’s needs. They do not include any illegal payments, which are not allowed under Indian law.
When looking for an affordable option, focus on finding a clinic that gives clear prices, follows all rules, and offers full support. Don’t just look for the lowest price, as it might leave out important services or break legal rules. The big difference in cost between clinics shows why it’s important to ask for detailed, itemized quotes so you know exactly what you’re paying for.
Key Factors Influencing Altruistic Surrogacy Costs in Delhi
| Cost Component | Estimated Range (INR) | Notes/Inclusions |
|---|---|---|
| IVF Cycle (Per Cycle) | ₹1,00,000 – ₹2,50,000+ | Stimulation, retrieval, fertilization, transfer. Multiple cycles often needed, significantly increasing cost. |
| Advanced IVF (ICSI, PGT, FET – if applicable) | ₹20,000 – ₹90,000+ (per tech) | Additional cost per technique per cycle. PGT may be per embryo. |
| Mandatory Surrogate Insurance (36 Months Premium) | ₹50,000 – ₹2,00,000+ | Legally required 3-year coverage for surrogate, including postpartum complications. Cost varies significantly by provider & sum insured. |
| Legal Fees | ₹50,000 – ₹6,00,000+ | Surrogacy agreement, court orders for parentage, compliance checks, approvals. Higher end may include extensive approval processes. |
| Surrogate Medical Care (Prenatal, Delivery, Postnatal) | ₹1,50,000 – ₹4,00,000+ | Check-ups, scans, tests, medications, Normal Delivery (lower end) or C-Section (higher end), immediate postnatal care. |
| Permissible Surrogate Reimbursements | ₹1,00,000 – ₹5,00,000+ | Travel, nutrition, accommodation (if needed), maternity wear, caretaker (if needed). Highly variable based on surrogate’s circumstances. |
| Donor Gametes (Egg/Sperm – if applicable) | Egg: ₹50,000 – ₹1,80,000; Sperm: ₹8,000 – ₹90,000 | Cost for donor acquisition, screening, compensation (egg donor), retrieval/preparation. Only if medically certified need exists. |
| Clinic Admin/Screening Fees | ₹50,000 – ₹1,50,000+ | Initial consults, screening tests for all parties, administrative overhead. |
| Estimated Total Range | ₹14,00,000 – ₹25,00,000+ | Highly variable based on specifics (cycles needed, complications, donor use, reimbursements). Excludes unforeseen costs. |
(Note: Ranges are indicative based on available data and subject to change. Individual circumstances will determine the final cost.)
What is the Average Cost of Surrogacy in Delhi?
Starting the surrogacy process in Delhi can be expensive, so it’s important for intended parents to know the costs. The total cost usually ranges from around INR 14,00,000 to INR 25,00,000. These amounts are just estimates and can change depending on your situation, the clinic you choose, and the treatments you need.
Surrogacy with donor eggs can cost between INR 16,40,000 and INR 26,00,000. If donor sperm is used, the cost is usually between INR 15,50,000 and INR 25,70,000. Some clinics also offer packages for up to three tries, which may cost between INR 18,00,000 and INR 25,00,000.
Some clinics may show lower starting prices for surrogacy. For example, SCI IVF Hospital offers a package starting at INR 9,00,000, and Birla Fertility shows a basic cost between INR 4,73,000 and INR 6,10,000. But these lower prices usually cover only the basic package. They may not include important things like surrogate care, delivery costs, or legal fees.
Therefore, intended parents should exercise caution and seek a comprehensive breakdown of all potential expenses to avoid unexpected costs later in the process. Furthermore, the necessity of donor gametes can significantly impact the overall expenditure, reflecting the additional processes and resources involved in their procurement.
The Breakdown: Surrogacy Cost in Delhi
| Type of Surrogacy | Minimum Cost (INR) | Maximum Cost (INR) |
|---|---|---|
| Basic Surrogacy | 14,00,000 | 25,00,000 |
| Surrogacy with Donor Eggs | 16,40,000 | 26,00,000 |
| Surrogacy with Donor Sperm | 15,50,000 | 25,70,000 |
| Surrogacy (Multiple Attempts) | 18,00,000 | 25,00,000 |
The total cost of surrogacy in Delhi is a culmination of various expenses spanning medical procedures, legal formalities, and the care of the surrogate mother. Understanding these contributing factors is essential for intended parents to plan their finances effectively.
Surrogacy Cost in Delhi: Medical Expenses & Hidden Fees
Medical costs make up a big part of the total cost of surrogacy. One of the main steps is IVF (In Vitro Fertilization), which is used to create an embryo. A basic IVF cycle can cost between INR 2,00,000 and INR 5,00,000, though in some cases it might be as low as INR 1,14,000 to INR 1,50,000. If a special method like ICSI (Intracytoplasmic Sperm Injection) is needed, it can cost another INR 1,90,000 to INR 3,40,000. Some clinics may include ICSI in their package.
If frozen embryos from an earlier cycle are used, the process called Frozen Embryo Transfer (FET) adds more cost, usually between INR 1,50,000 and INR 3,00,000. If the male partner has serious sperm problems, extra treatments like PESA, TESA, or TESE may be needed, which can cost from INR 2,40,000 to INR 5,00,000. These special techniques can greatly increase the total medical cost.
If donor eggs or sperm are needed, that also adds to the price. Donor eggs can cost between INR 1,40,000 and INR 2,00,000—or up to INR 3,40,000 if the full IVF process is included. Donor sperm may cost INR 50,000 to INR 80,000. If IVF is done with donor sperm, the total can go up to INR 2,40,000. These prices include costs for screening donors, some legal payments, and clinic fees.
Taking care of the surrogate mother during pregnancy is also important. Regular checkups and delivery add to the cost. A normal delivery might cost up to INR 35,000, while a C-section can be between INR 1,00,000 and INR 2,00,000.
There are also regular scans and checkups during pregnancy. These can cost from INR 50,000 up to INR 4,00,000, though the highest prices are not common. Keep in mind that some clinics do not include delivery charges in their basic packages. In many cases, delivery alone may cost between INR 50,000 and INR 1,00,000.
Finally, there are also medication and test costs for both the intended parents and the surrogate. Tests for the surrogate and medicines to help the intended mother or egg donor produce eggs can cost a lot. Some drugs, like heparin injections, might have extra charges. Getting a detailed list of tests and medicine costs can help you understand this part of the expense better.
Legal Fees in Surrogacy: Essential Costs & Documentation in Delhi
Legal fees are a critical and non-negotiable aspect of the surrogacy process in Delhi. Engaging an experienced surrogacy lawyer to draft the legal agreement is essential. Legal fees are a significant factor influencing the overall cost, particularly for low-cost surrogacy options. These fees cover the cost of legal documentation and ensuring compliance with the Surrogacy (Regulation) Act). It is important to note that legal expenses are often excluded from basic altruistic surrogacy plans.
Some clinics may offer a free first meeting with a lawyer. However, the full legal help for a surrogacy agreement usually costs between INR 1,00,000 and INR 1,20,000. This includes writing and signing the agreement. The agreement protects the rights of both the intended parents and the surrogate and makes sure everything follows the current law.
Surrogate Mother Cost Factors in Delhi
Even in altruistic surrogacy, where the surrogate mother is not paid beyond medical costs and insurance, the intended parents must still cover her basic pregnancy needs. This includes giving her a safe place to stay and healthy food during the pregnancy. These costs can go up to INR 2.5 lakhs.
Clinics might also consider surrogate home charges and nutritional needs. In some cases, the surrogate’s stay, travel, and nutrition are explicitly stated as the responsibility of the intended parents. Additionally, intended parents are expected to provide maternity clothing for the surrogate, and cover other essential needs, potentially including caretaker and maid costs.
Comprehensive health insurance coverage for the surrogate is also a crucial expense, with some clinics mentioning health insurance for three years, and others listing surrogate insurance as a separate cost ranging from INR 20,000 to INR 50,000, or as a responsibility of the intended parents.
Clinics Charges for Surrogacy in Delhi
The choice of fertility clinic and the hospital where the delivery takes place will also impact the overall cost of surrogacy in Delhi. Delhi is home to numerous well-known centres with advanced technologies and experienced experts. These clinics often boast high-calibre facilities. Some surrogacy packages might include hospital facilities and bed charges.
Hospital delivery is typically considered part of the post-pregnancy care for the surrogate, and delivery charges can vary depending on the hospital chosen. Clinics with state-of-the-art infrastructure and highly specialized medical teams may have higher service charges.
Potential Cost for Multiple Attempts or Complications
The initial cost estimate for surrogacy might not cover all eventualities. If multiple IVF cycles are required for successful conception, the overall cost will increase. Severe infertility conditions might necessitate advanced procedures, leading to higher expenses.
The total cost often depends on various factors and the specific medical requirements of the intended parents. Some clinics list additional costs for specific medical needs. Furthermore, unforeseen medical complications during the surrogate’s pregnancy can lead to extra expenses. In cases of multiple pregnancies, such as twins, there might be additional charges for extra stimulations and the increased care required.
Delhi vs. Other Major Indian Cities: A Cost Comparison
When considering surrogacy in India, intended parents often look at cost comparisons across different metropolitan cities. Delhi, Mumbai, Bangalore, and Chennai are major hubs for fertility treatments, and their surrogacy costs can vary.
In Mumbai, the estimated cost of surrogacy ranges from INR 10,00,000 to INR 25,00,000. While some sources suggest a range of INR 18-22 lakhs or INR 12-16 lakhs, Saraogi Hospital in Mumbai offers a potentially lower range of INR 10-11 lakhs.
Bangalore presents a cost range for surrogacy between INR 13,00,000 and INR 30,00,000. Some estimates fall in the INR 17-20 lakhs bracket, while others suggest USD 22,000 to USD 30,000 (approximately INR 18-25 lakhs). Fertility World in Bangalore indicates a cost of INR 18-20 lakhs.
Chennai’s surrogacy costs are estimated to range from INR 10,00,000 to INR 26,00,000. While some sources mention INR 17-20 lakhs or INR 15-25 lakhs, Ekmi Fertility in Chennai offers a lower range of INR 10-14 lakhs. Fertility World in Chennai also suggests a cost of INR 18-20 lakhs.
While there is an overlap in the cost ranges across these major cities, Delhi is frequently highlighted as being more affordable compared to developed nations. However, the lower end of the cost spectrum in Mumbai and Chennai might present more budget-conscious options depending on the specific clinic and the inclusions of their packages.
Comparative Surrogacy Cost in Major Indian Cities (INR)
| City | Minimum Estimated Cost (INR) | Maximum Estimated Cost (INR) |
|---|---|---|
| Delhi | 14,00,000 | 25,00,000 |
| Mumbai | 10,00,000 | 25,00,000 |
| Bangalore | 13,00,000 | 30,00,000 |
| Chennai | 10,00,000 | 26,00,000 |
Affordability and Quality: Surrogacy Services in Delhi
Delhi has garnered a reputation for providing relatively affordable surrogacy services. This affordability does not necessarily compromise the quality of care, as Delhi is home to numerous well-regarded fertility centres equipped with advanced technologies and staffed by experienced medical professionals.
While success rates can vary between different clinics, some Surrogacy centres in Delhi claim high success rates. This combination of affordability and quality makes Delhi an attractive option for intended parents, both within India and internationally, who are seeking advanced fertility treatments at a reasonable cost.
Surrogacy in Delhi: Step-by-Step Process & Current Rules
Surrogacy in Delhi follows the Surrogacy (Regulation) Act, 2021. This law allows only altruistic surrogacy, which means the surrogate does not get paid, except for medical costs and insurance. Here is a simple step-by-step guide to how the process works:
1. First Visit and Eligibility Check:
The first step is to visit a registered fertility clinic. The doctors will review the medical history of the intended parents and check if they meet the legal requirements. Couples must be Indian, married, and heterosexual. The wife should be between 23-50 years old and the husband between 26-55. A single woman who is a widow or divorcee can also opt for surrogacy if she is between 35 and 45 years old. There must be a medical reason to choose surrogacy.
2. Finding a Surrogate:
Commercial surrogacy is not allowed. The surrogate must be a close relative of the intended parents, married, have at least one living child, and be between 25 and 35 years old. A woman can only be a surrogate once in her life.
3. Health and Mental Checks:
Both the intended parents and the surrogate need to undergo full medical and mental health check-ups at a registered clinic. This is to make sure everyone is healthy and ready for the process.
4. Legal Agreement:
A lawyer prepares a surrogacy agreement. This legal document explains the procedures, confirms everyone’s consent, and clearly states that the surrogate is not paid beyond medical and insurance costs. The agreement must follow the rules of the Surrogacy Act.
5. Government Approvals:
Before starting IVF, the intended parents must get two certificates from the government – one proving medical need (Certificate of Essentiality) and one proving eligibility (Certificate of Eligibility). These require documents like marriage proof, medical reports, the surrogacy agreement, and information about the surrogate.
6. IVF and Embryo Transfer:
Once approved, the IVF process begins. The woman (or an egg donor, if needed) takes medicine to produce eggs. The eggs are collected and fertilized with the man’s sperm (or donor sperm). The embryo is then placed in the surrogate’s womb.
7. Pregnancy and Care:
During the pregnancy, the surrogate receives regular check-ups and medical care at the clinic. The intended parents must pay all medical costs and provide full health insurance for the surrogate.
8. Baby’s Birth and Handover:
After the baby is born, the intended parents are the legal parents. The birth certificate will have their names, and the surrogate gives up all rights to the child.
9. After Birth Legal Steps (if needed):
Although the law helps make the legal process easier, some clinics may still need extra paperwork to complete the legal transfer of custody.
The current rules focus on making surrogacy ethical, safe, and legal. Intended parents should stay well-informed and work with trusted clinics that follow the law.
Affordable Surrogacy Centres in Delhi: How to Choose the Right Clinic for You
Choosing the right surrogacy clinic in Delhi is very important and can affect your whole experience. Here are some simple tips to help you pick the best one:
1. Check Registration and Approval:
Make sure the clinic is officially registered with the right government bodies. It should follow all the rules in the Surrogacy (Regulation) Act, 2021.
2. Look for Clear Pricing:
Pick a clinic that gives you a full, clear list of all costs. This should include charges for medical treatments, legal help, surrogate care, medicines, and any other possible expenses. Clear pricing helps avoid surprise costs later.
3. Ask About Success Rates:
Ask the clinic about their success rates for surrogacy. Try to find out how successful they are with cases similar to yours. But remember, success is not guaranteed, and results can vary for each person.
4. Check the Medical Team’s Experience:
Learn about the doctors and medical staff. Look at their qualifications and how much experience they have. A skilled team can improve your chances of success.
5. Ask About Legal Help:
Check if the clinic works with good surrogacy lawyers. They can help you through the legal steps and make sure everything is done according to the law.
6. Choose Ethical Clinics:
Make sure the clinic follows ethical rules. They should care about the rights and health of both the intended parents and the surrogate. Only altruistic (non-paid) surrogacy is allowed.
7. Look for Extra Support:
Find clinics that also offer emotional support, such as counseling for you and the surrogate. Mental and emotional health is important during this journey.
8. Read Reviews and Feedback:
Check online reviews and read what other intended parents have said about their experience. This can give you a better idea of what to expect.
9. Visit the Clinic:
If you can, visit the clinic. Look at the facilities, meet the staff, and see how they treat patients. This will help you decide if it feels right for you.
Financing Options for Surrogacy in Delhi
Paying for surrogacy in Delhi can be expensive, but there are a few ways to make it more manageable:
1. Personal and Medical Loans:
Many banks and finance companies offer personal or medical loans that can help cover surrogacy costs. Some fertility clinics also work with loan providers to make the process easier for their patients.
2. Installment Plans at Clinics:
To help with costs, many clinics in Delhi offer payment plans. These let you pay in parts over time. Some clinics even offer zero-interest EMI (easy monthly installment) options.
3. Financial Help and Grants:
Although surrogacy grants are not common in India, you can check if any NGOs or charities offer help for fertility treatments. Some may provide partial financial support.
4. Crowdfunding and Fundraising:
You can raise money through online crowdfunding websites or by asking for help from friends and family. Fundraising can be a helpful way to get support for your surrogacy journey.
5. Insurance:
Most health insurance plans in India do not cover surrogacy. Still, it’s a good idea to check if your plan or your employer offers any coverage for IVF or pregnancy-related care.
Conclusion
The cost of surrogacy in Delhi typically ranges from INR 14,00,000 to INR 25,00,000, depending on various factors. These include medical procedures, the use of donor eggs or sperm, legal fees, surrogate care, and the fertility clinic chosen.
Delhi is known for offering cost-effective surrogacy services compared to many international options. However, intended parents should research carefully, stay updated on the latest Surrogacy (Regulation) Act, 2021, and choose a clinic that follows ethical practices with clear and transparent pricing. Exploring financing options can also make surrogacy more accessible.
For the best guidance, intended parents should consult fertility specialists and legal experts in Delhi. A personalized consultation ensures they receive accurate information, helping them make confident decisions on their journey to parenthood.
Frequently Asked Questions (FAQs)
Q.1 What is the typical cost range for surrogacy in Delhi?
Ans. The cost typically ranges from INR 14,00,000 to INR 25,00,000, but can vary based on individual needs and the chosen clinic.
Q.2 What are the main components that make up the cost of surrogacy?
Ans. The main components include medical expenses (IVF, donor gametes if needed, prenatal care, delivery), legal fees, surrogate mother expenses (accommodation, food, insurance), and hospital/clinic charges.
Q.3 Is surrogacy in Delhi more affordable compared to other major Indian cities?
Ans. While costs are comparable, Delhi is often perceived as more affordable than developed nations and potentially on par with or slightly more affordable than some other major Indian cities.
Q.4 What are the legal expenses involved in surrogacy?
Ans. Legal expenses can range from INR 1,00,000 to INR 1,20,000, covering the drafting and registration of the surrogacy agreement and ensuring legal compliance.
Q.5 Since commercial surrogacy is illegal, do I still have to pay the surrogate mother?
Ans. In altruistic surrogacy, you do not pay the surrogate beyond covering her reasonable pregnancy-related expenses such as medical costs, accommodation, food, and insurance.
Q6. What are the medical costs associated with the IVF process and surrogate’s care?
Ans. IVF costs can range from INR 1,14,000 to INR 5,00,000 depending on the techniques used. Surrogate care, including prenatal and delivery, can add significantly to the cost.
Q.7 Are there any financing options available to help with the cost of surrogacy in Delhi?
Ans. Yes, options include personal loans, medical loans, installment plans offered by clinics, and potentially grants or crowdfunding.
Q.8 How do I choose a reliable and ethical surrogacy centre in Delhi?
Ans. Consider factors like the clinic’s registration, transparency in costs, success rates, expertise of the medical team, legal support, ethical practices, support services, patient reviews, and infrastructure.
Disclaimer:
The content provided in this blog regarding surrogacy and fertility treatments is intended solely for informational purposes and should not be interpreted as legal or medical guidance. Laws and regulations related to fertility and surrogacy can differ significantly by region and may evolve. We advise consulting with experienced legal and medical professionals to receive tailored advice suited to your circumstances. ShineFertility disclaims any liability for actions taken based on the information presented in this blog.