Starting a surrogacy journey is a big and emotional choice for intended parents. It brings hope and excitement about having a family. But it also comes with practical matters, like understanding the cost of surrogacy in Mumbai. Knowing the money involved is important for good planning and peace of mind.
Shinefertility is here as a caring and expert guide, helping parents through every step of the surrogacy process in Mumbai. One key part of this help is explaining the surrogacy laws in India. The Surrogacy (Regulation) Act, 2021, allows only altruistic surrogacy. This means the surrogate mother can only be paid for her expenses, not for carrying the child as a paid service.
In this model, intended parents need to find a willing surrogate, often a family member or friend, who meets legal rules. The main costs cover the surrogate’s medical bills, insurance, and care during pregnancy and after birth. Knowing these legal details from the start is important because it shapes the total costs and sets clear expectations. This also helps parents understand how India’s system is different from other countries or older rules. Shinefertility’s goal is to support parents by offering both emotional care and clear financial details.
Estimate Your Surrogacy Cost in Mumbai
When you think about surrogacy, it’s important to get a clear idea of how much it will cost. Based on Shinefertility’s experience and data, the total surrogacy cost in Mumbai usually ranges between ₹22 lakhs and ₹35 lakhs.
Keep in mind, this is just an estimate — the final cost can change depending on your personal situation. You might find other estimates online, like ₹15–₹25 lakhs, ₹18–₹20 lakhs, ₹10–₹15 lakhs, or even ₹4.7–₹6.1 lakhs. But remember, the lower numbers often only cover basic IVF treatments and don’t include all the extra costs, like full care for the surrogate mother.
The wide range of prices shows that what’s included in the package really matters. Some quotes only cover medical treatments, while others — like Shinefertility’s — include everything: medical care, legal help, support for the surrogate, delivery, and coordination fees. So, the final cost depends on your needs, the surrogate’s needs, and what the clinic’s package offers.
Shinefertility focuses on giving clear, personalized cost details after a full consultation, so you know exactly what to expect. Starting with Shinefertility’s estimate gives you a solid base for planning your finances.
Unpack the Surrogacy Cost Breakdown
The overall Surrogacy cost in Mumbai is a composite figure, built from several distinct components. Understanding these individual elements provides greater clarity on where the investment is allocated. Using clear, action-oriented subheadings helps delineate these costs:
1. Fund Essential Medical Procedures
This part covers the main medical steps in the surrogacy journey. It includes the costs of Assisted Reproductive Technology (ART), mainly In Vitro Fertilization (IVF). Key procedures are:
- Ovarian Stimulation: Stimulating the ovaries of the intended mother or egg donor to produce eggs.
- Egg Retrieval: Collecting the eggs.
- Fertilization: Combining the eggs with sperm, sometimes using ICSI (Intracytoplasmic Sperm Injection) if needed.
- Embryo Culture: Growing the embryos, sometimes to the blastocyst stage to improve success chances.
- Embryo Transfer: Placing the embryo into the surrogate’s uterus.
It also includes the initial medical and psychological screenings for both the intended parents and the surrogate, plus the cost of fertility medications.
The estimated cost for these medical steps is usually between ₹5 lakhs and ₹9 lakhs. The basic IVF or ICSI cycle alone may cost around ₹1.5 to ₹2 lakhs, but extra tests, medications, and multiple attempts can increase the total. Some clinics offer packages that cover multiple embryo transfers.
2. Secure Legal Agreements
Navigating the legal landscape of surrogacy in India is critical. This component covers the fees associated with drafting and finalizing legally sound surrogacy agreements that comply strictly with the Surrogacy (Regulation) Act, 2021. These agreements are essential for establishing the intended parents’ legal rights and outlining the responsibilities of all parties involved. Engaging experienced legal counsel specializing in reproductive law is crucial for managing these formalities correctly. The cost for legal services can vary significantly, with estimates ranging broadly from ₹1 lakh to ₹5 lakhs. Some sources suggest lower figures like ₹50,000 or ₹1-1.2 lakhs, while others cite around ₹2 lakhs. This variability often reflects the complexity of the individual case and the specific services provided by the legal team.
3. Support Your Altruistic Surrogate
Under India’s altruistic surrogacy law, intended parents are not allowed to pay the surrogate mother for carrying the child. However, they are legally required to cover all reasonable costs related to her health and pregnancy. Here’s what this support usually includes:
- Medical Expenses
This covers all doctor visits, checkups, ultrasounds, medicines, and the delivery costs. - Insurance
The surrogate must have full health insurance during the pregnancy and for a set period after birth, in case of any complications. Insurance costs can range from ₹5,000 to ₹50,000. - Nutrition & Living Allowance
This includes money for better food during pregnancy, maternity clothes, daily living needs, and sometimes compensation for lost income if she can’t work. Monthly allowances are often ₹20,000–₹30,000, and total support for food and housing can reach ₹3–4 lakhs over the pregnancy. - Care & Support
If needed, this can cover help at home (like domestic help or a caretaker) and emotional or psychological support, especially if the surrogate faces challenges during the journey. - Travel
All travel costs for medical visits and clinic appointments are covered.
Altogether, this full support package usually adds up to about ₹6–8 lakhs in Mumbai. Other sources may list amounts like ₹2–5 lakhs, ₹5–6 lakhs, or ₹7–10 lakhs — but remember, these are not payments for surrogacy, only for covering the surrogate’s legal and medical needs. Breaking down the costs this way helps make things clear and shows the deep ethical commitment to caring for the surrogate.
4. Budget for Hospital & Delivery
This part of the cost includes everything related to the hospital during childbirth. It covers delivery room fees, the obstetrician’s and medical staff’s charges, anesthesia costs, and initial care for the baby right after birth. Costs can vary depending on the type of delivery:
- Normal Delivery: Around ₹60,000
- C-Section: ₹1 lakh to ₹4 lakhs (C-sections are generally more expensive)
If the baby needs special care in a Neonatal Intensive Care Unit (NICU), additional costs can arise, ranging from ₹1 lakh to ₹6 lakhs or more, depending on how long the baby stays and the level of care needed.
In total, hospital and delivery expenses generally range from ₹4 lakhs to ₹5 lakhs.
5. Factor in Clinic Coordination / Agency Fees
Fertility clinics or specialized agencies like Shinefertility charge fees for managing the complex surrogacy process from start to finish. These fees cover the coordination between intended parents, the surrogate mother, medical teams, and legal counsel. Services include administrative support, managing timelines, facilitating communication, conducting necessary medical and psychological screenings of the surrogate, assisting with legal formalities, and providing continuous guidance and support throughout the journey. The estimated cost for these coordination and management services typically falls between ₹2 lakhs and ₹3 lakhs. Agency fees can vary depending on the range and depth of services included in their package.
6. Prepare for Potential Add-ons
Beyond the core components, certain situations or choices can lead to additional costs that intended parents should factor into their financial planning. These potential add-ons can significantly impact the overall Surrogacy cost in Mumbai. The table below outlines common additional costs:
| Add-on Item | Estimated Cost Range (₹) | Notes/Description |
| Donor Eggs | 1,20,000 – 2,00,000 | Required if the intended mother cannot use her own eggs. |
| Donor Sperm | 30,000 – 80,000 | Required if the intended father cannot use his own sperm. |
| Genetic Testing (PGT) | 30,000 – 2,50,000 | Optional screening of embryos for genetic abnormalities before transfer. Cost varies by number of embryos tested. |
| Cryopreservation (Embryo/Sperm) | Initial Freezing: ~₹25,000 Annual Storage: ₹10,000 – ₹30,000 |
Freezing and storing surplus embryos or sperm for potential future use. |
| Multiple IVF Cycles | Varies | Additional costs incurred if the first IVF cycle and embryo transfer are unsuccessful. |
| Twin Pregnancy Care | Additional ~₹1,00,000 – ₹2,00,000 | Covers extra surrogate support, increased monitoring, and potentially higher delivery costs associated with a twin pregnancy. |
| Miscellaneous Expenses | Varies | Includes costs like travel and accommodation for intended parents, contingency funds for unforeseen medical issues. |
Disclaimer: These ranges are estimates based on available data and are subject to change. Actual costs depend on individual circumstances.
Highlighting these potential cost multipliers is crucial for realistic financial planning, as they can substantially increase the initial base estimate depending on the specific path the surrogacy journey takes.
Identify Key Cost Influencers
The final Surrogacy cost in Mumbai is not a fixed number but rather a dynamic figure influenced by several key variables specific to each journey. Understanding these factors helps intended parents anticipate potential cost variations:
– Assess Your Specific Treatment Plan
The medical needs of the intended parents play a big role in determining the overall cost. Here are the main factors that can influence the price:
- Number of IVF Cycles: More cycles mean higher costs for procedures and medications.
- Use of Donor Assistance: If donor eggs or sperm are needed, this adds extra costs.
- Quality of Gametes: If the intended parents’ eggs or sperm are of lower quality, advanced techniques like ICSI may be required, or multiple cycles might be needed.
- Preimplantation Genetic Testing (PGT): Choosing to test embryos for genetic conditions adds to the cost.
Each of these factors can increase the overall expense of the surrogacy process. Would you like me to break this down into smaller steps to help with your planning?
– Consider the Surrogate’s Well-being & Needs
The chosen altruistic surrogate’s individual circumstances significantly impact costs related to her support. Her specific medical history and overall health status can influence the level of prenatal monitoring and medical care required. Any pre-existing conditions or complications arising during the pregnancy will inevitably lead to additional medical expenses. The surrogate’s personal living situation might affect the necessary allowance for accommodation, nutritional support, or caretaker assistance. The type and extent of the health insurance policy secured for her also factor into the overall cost.
– Evaluate Clinic Expertise & Support
The fertility clinic you choose affects the overall cost. Established clinics with higher success rates and more experience in surrogacy may have different fees compared to newer or less experienced centers. Here are some key factors that influence pricing:
- Clinic Reputation & Experience: Experienced clinics with a good track record may charge more, but they often provide higher success rates.
- Service Packages: Some clinics offer all-inclusive packages, while others break down costs into individual services, making it harder to compare prices directly.
- Location: While not a major factor, the clinic’s location within Mumbai could slightly affect operational costs and fees.
Choosing a surrogacy clinic in Mumbai based solely on the lowest price might not be the most cost-effective approach in the long run; higher success rates at a reputable clinic could potentially reduce the need for multiple costly cycles.
– Understand Legal Necessities
Legal steps are a key part of the surrogacy process and can affect the total cost. The price depends on how complex the legal work is — including drafting the surrogacy agreement and handling the legal steps to confirm parentage.
It’s very important to fully follow the Surrogacy (Regulation) Act, 2021. This requires careful legal work and expert guidance. The cost will depend on how experienced and detailed the lawyer is, but strong legal support is essential to protect both the intended parents and the surrogate mother.
These influencing factors often interact. For instance, a complex medical situation requiring donor gametes (Treatment Plan) might also necessitate a more intricate legal agreement (Legal Necessities). Similarly, a surrogate requiring specialized medical attention (Surrogate Well-being) increases the medical management load and costs handled by the clinic (Clinic Support). A holistic understanding of these interconnected elements provides a clearer picture of potential cost variations.
Visualize Your Investment: Cost Table & Infographic Ideas
To simplify the complex financial information associated with surrogacy in Mumbai, visual aids can be extremely helpful. They offer a clear, concise overview of the cost components and influencing factors.
This table aims to provide an itemized overview of the potential expenses involved in a surrogacy journey in Mumbai, offering estimated cost ranges for each component based on available data.
| Cost Component | Estimated Range (₹) | Brief Description/Notes |
| Medical Procedures | 5,00,000 – 9,00,000 | Covers IVF/ICSI, screenings (IPs & Surrogate), fertility medications, embryo culture & transfer. May or may not include multiple cycles. |
| Legal Fees | 1,00,000 – 5,00,000 | Drafting surrogacy agreement, establishing parental rights, legal consultations, ensuring compliance with Indian law. Cost varies with complexity. |
| Altruistic Surrogate Support | 6,00,000 – 10,00,000+ | Comprehensive coverage of surrogate’s needs as per law: |
| * Medical Care & Monitoring | Prenatal checkups, scans, medications during pregnancy. | |
| * Health Insurance | (Included in range) | Mandatory comprehensive coverage for pregnancy & postpartum. Approx. ₹5k-50k. |
| * Living Allowance/Nutrition | (Included in range) | Support for diet, maternity wear, essential living costs, potentially lost wages. Can include housing/food costs (up to ₹3-4L). |
| * Caretaker/Support | (Included in range) | Costs for domestic help or psychological support if needed. |
| * Travel Reimbursement | (Included in range) | Covering surrogate’s travel for appointments. |
| Hospital & Delivery | 4,00,000 – 6,00,000+ | Hospital stay, delivery charges (Normal ~₹60k, C-Section ~₹1-4L), initial newborn care. Potential NICU costs (₹1-6L+) are additional if required. |
| Clinic Coordination Fees | 2,00,000 – 3,00,000 | Agency/clinic fees for process management, coordination, screenings, administrative support. |
| Potential Add-ons (Variable) | Costs added only if required: | |
| * Donor Eggs | 1,20,000 – 2,00,000 | If intended, the mother cannot use own eggs. |
| * Donor Sperm | 30,000 – 80,000 | If intended, the father cannot use own sperm. |
| * PGT (Preimplantation Genetic Testing) | 30,000 – 2,50,000 | Embryo screening for genetic issues. Cost varies by number of embryos tested. |
| * Cryopreservation | 10,000 – 30,000 (Annual) | Freezing and storing extra embryos or sperm. Initial freezing cost may apply. |
| * Multiple IVF Cycles | Varies | Additional costs if the first cycle is unsuccessful. |
| * Twin Pregnancy Care | 1,00,000 – 2,00,000+ (Extra) | Additional surrogate support, monitoring, and potentially higher delivery costs. |
| Estimated Total Range | ~₹22,00,000 – ₹35,00,000+ | This is an illustrative range based on Shinefertility data and market research. The final cost is highly personalized. |
Disclaimer: The ranges provided are estimates based on available data and are subject to change. Actual costs depend on individual circumstances and specific clinic packages. A personalized consultation is necessary for an accurate quote.
This table helps break down the seemingly large total cost into understandable segments, allowing intended parents to see the relative weight of each component and identify areas of potential variability.
Explore Financing Your Dream
Surrogacy is a big financial commitment, so good planning is important. While the costs can feel heavy, there are ways to make them easier to handle.
Clinics like Shinefertility know this and may offer helpful payment options, such as:
- Payment Plans / Instalments: Instead of paying everything upfront, many clinics break the cost into stages. You might pay at contract signing, when pregnancy is confirmed, and at later points like during the pregnancy trimesters.
- EMI Options: Some clinics work with financial partners to offer monthly payment (EMI) plans. These let you spread the cost over time — sometimes even with low or no interest.
It’s a good idea to openly discuss these options during your consultation. Knowing the payment choices available can reduce stress and help make your dream of becoming a parent through surrogacy feel more achievable.
Partner with Shinefertility for Your Mumbai Surrogacy
Shinefertility is committed to providing transparent, ethical, and comprehensive support to intended parents navigating their surrogacy journey in Mumbai. Adherence to the altruistic surrogacy framework mandated by the Surrogacy (Regulation) Act, 2021, is paramount in all aspects of the process.
The team at Shinefertility possesses the expertise required to help intended parents understand and manage the complexities of the Surrogacy cost in Mumbai. This includes providing detailed, personalized cost breakdowns and guiding parents through each financial stage. Shinefertility excels in coordinating the intricate medical, legal, and surrogate care components, ensuring a smooth and well-managed process. The focus is always on ethical practices, clear communication, and providing unwavering support to achieve the dream of parenthood.
Ready to understand your personalized surrogacy cost in Mumbai? Schedule a Free Consultation with Shinefertility today to discuss your unique journey and receive transparent financial guidance.
Frequently Asked Questions (FAQ)
Q1. What is the average cost of surrogacy in Mumbai?
A1. The average surrogacy cost in Mumbai ranges from ₹12 lakh to ₹20 lakh, depending on clinic, services, and legal fees.
Q2. What factors affect surrogacy costs in Mumbai?
A2. Costs depend on surrogate compensation, medical treatments, legal documentation, and clinic reputation.
Q3. Does the surrogacy cost include surrogate mother compensation in Mumbai?
A3. Yes, surrogate mother compensation is usually included in the total surrogacy package.
Q4. Are there hidden costs in surrogacy treatment in Mumbai?
A4. Reputable clinics provide transparent pricing, but always confirm any additional costs like legal or hospital charges.
Q5. Is surrogacy legal in Mumbai, India?
A5. Yes, surrogacy is legal in Mumbai under regulated guidelines, especially altruistic surrogacy.
Q6. Can foreign couples opt for surrogacy in Mumbai?
A6.No, currently only Indian citizens are allowed under the new surrogacy laws.
Q7. How long does the surrogacy process take in Mumbai?
A7. The surrogacy process typically takes 12–18 months, from screening to delivery.
Q8. What is included in Shine Fertility’s surrogacy package in Mumbai?
A8. Shine Fertility’s package includes medical treatments, surrogate care, legal services, and continuous support.
Q9. How can I choose the best surrogacy clinic in Mumbai?
A9. Look for licensed clinics with high success rates, experienced doctors, and transparent costs.
Q10. How do I book a consultation for surrogacy at Shine Fertility Mumbai?
A10. You can book an appointment through Shine Fertility’s website or by calling their customer care team.
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.