How Much Does a Surrogate Mother Cost in Mumbai?
Cost of Surrogacy in Mumbai
Under Indian law, a surrogate mother in Mumbai cannot be paid a fee. The Surrogacy (Regulation) Act, 2021 allows only altruistic surrogacy, so the “surrogate mother cost” covers only her medical expenses, pregnancy care and insurance. Paying a surrogate is a punishable offence in India.
In practice, the surrogate’s medical care and insurance cost about ₹3–5 lakh, and delivery and hospital charges about ₹3–4 lakh. These are part of the total surrogacy cost in Mumbai, which is typically ₹25–35 lakh.
Get in touch for a Free Surrogacy Consultancy:
📲 +91-8800481100 ( WhatsApp, Line, Viber)
Additional guide for surrogacy in India:
Best IVF Centers in India IVF Conceptions
Is Surrogacy in India For Overseas Citizenship of India (OCI) Allowed
Latest Surrogacy Law in India- Surrogacy (Regulation) Act, 2021
Is Surrogacy for NRI in India Allowed?
Surrogacy Costs in Mumbai
In total, the average cost of surrogacy in Mumbai ranges from 25 to 35 lakh rupees. Costs on the higher end apply to those also needing multiple IVF cycles and an experienced surrogate. For those exploring surrogacy, it’s important to budget for all possible costs involved. Reaching out to reputable surrogacy agencies in Mumbai is the best way to understand total costs.
Here is a table summarizing the key costs involved in surrogacy arrangements in Mumbai:
Costs for Surrogacy in Mumbai:
| Surrogacy Cost Component | Typical Surrogacy Cost in India in 2024 | What’s Covered |
| IVF Treatment | 1.5 – 2.5 lakh rupees per cycle (most couples need 2 cycles) | Includes medical procedures and medications for egg retrieval and fertilization |
| Surrogacy Fees | 4 – 8 lakh rupees | Compensation to the surrogate mother |
| Agency/Clinic Fees | 1 – 2.5 lakh rupees | Professional fees for surrogacy agency or fertility clinic handling arrangement |
| Legal Fees | 50,000 – 100,000 rupees | Lawyer’s fees for drafting contracts between parties |
| Other Costs | 1 – 2 lakh rupees | Cover additional expenses like medical insurance, embryo storage/shipment, screening tests |
| Legal approvals | 4- 6 lakh rupee | The cost of legal approvals and compliance and NOCs before starting medical procedure. |
Total Costs: Approximately 25-35 lakh rupees
The wide range in costs indicates how much surrogacy expenses can vary between individual cases. Factors impacting overall costs include a number of needed IVF cycles, the choice of surrogate, medical care required during pregnancy, and more. Reaching out to surrogacy agencies is the best way to get an accurate and personalized estimate based on your specific situation.
Let me know if you need any clarification or have additional questions! The cost may vary depending on the services needed and what legal compliances are required for any particular surrogacy services.
Who Can Be a Surrogate Mother in Mumbai?
- An ever-married Indian woman aged 25–35
- Has at least one child of her own
- Medically and psychologically fit
- Can act as a surrogate only once in her lifetime
- Cannot use her own eggs (gestational surrogacy only)
- Must get an eligibility certificate from the Appropriate Authority
She does not have to be a close relative of the intended parents. Read more in our guide to surrogate mothers in India.
How to Find a Surrogate Mother in Mumbai
Because the surrogate cannot be paid, finding a willing surrogate is often the hardest part of surrogacy in India. The surrogate must be screened and approved by the authorities before treatment starts. Our team can guide you through the legal steps and coordinate with registered clinics in Mumbai.
Who Can Do Surrogacy in Mumbai?
Only married Indian couples (female 23–50, male 26–55) with a certified medical indication, Indian widows or divorcees aged 35–45, and couples where both partners are OCI cardholders. Read the full rules: Is surrogacy legal in Mumbai?
More resources for surrogate mother costs in INdia
How to Find Surrogate Mothers in India
Legal Issues Related To Surrogacy In India
Surrogacy in India: Everything Parents Need to Know
Top 10 Surrogacy Doctors in India With Affordable Surrogacy Costs
What is the surrogacy cost among the top cities in India?
As shown below, average total costs for the entire surrogacy process, from IVF to delivery, range from around ₹9 lakh to ₹20 lakh across these major cities. Costs on the higher end tend to be in the biggest metro areas like Mumbai and Mumbai. Bangalore and Hyderabad are relatively more affordable.
Here is a table comparing average surrogacy costs across some major Indian cities if you are looking to find surrogacy costs in India:
| State | City | Average Surrogacy Cost |
| Surrogacy cost in Mumbai/Maharashtra | Mumbai | ₹25-35lakh |
| Surrogacy cost in Bangalore/ Karnataka | Bangalore | ₹25-35 lakh |
| Surrogacy cost in Hyderabad/ Telangana | Hyderabad | ₹25-30 lakh |
| Surrogacy cost in Delhi | Delhi | ₹25-30 lakh |
Some key factors that influence the cost of surrogacy in India:
- IVF clinic charges
- Surrogacy agency fees
- Compensation for a surrogate mother
- Legal fees
- Insurance coverage
Of course, each individual’s surrogacy journey is unique, so it’s best to connect directly with top fertility clinics in your city of choice to get a personalized cost estimate. Let me know if you need any other specifics or have additional questions!
Understanding the Cost of Surrogacy in Mumbai
Understanding the Cost of Surrogacy in Mumbai Surrogacy, while a rewarding journey, often comes with a myriad of financial considerations. In Mumbai, India, prospective parents seek affordable and transparent surrogacy options. With IVF Conceptions, you can get comprehensive surrogacy packages starting at 10 Lacs onward with world-class services.
The costs for altruistic surrogacy can vary greatly depending on medical conditions and other factors. In India, the typical basic starting cost range is 8 Lacs INR to 10 Lacs INR.
According to India’s Assisted Reproductive Technology (ART) bill, passed in December 2021, only certified altruistic surrogacy clinics can provide this service. No compensation for the surrogate mother is permitted – she must provide the service voluntarily. The intended parents must be a legally married heterosexual couple or a divorced/widowed woman. Neither intended parent can already have a biological child. The maximum age is 50 for the females and 55 for the males.
Read more:
Becoming a Surrogate Mother in India
Cost of Surrogacy in Mumbai: Affordable Options
Surrogacy Clinic in Mumbai: Choosing the Right One
Mumbai boasts several surrogacy centers, each with its own set of services and pricing structures. Researching and comparing these centers ensures that prospective parents find a clinic that aligns with their needs and budget.
Is surrogacy legal in India?
A lot of regulations were introduced, impacting many aspects of surrogacy. A glimpse of a few of the regulations is marked here below.
Why Choose IVF Conceptions
If you’d like to learn more about IVF, Egg Donation, or surrogacy services globally, check out the rest of our website at IVF Conceptions. We offer legally secure and affordable surrogacy consulting services for FREE.
Our team has over 15 years of experience facilitating surrogacy arrangements, egg donation, and serving as an advocacy resource for infertile couples and LGBTQ individuals seeking to build families. Till now we have helped and supported thousands of the intended parents with their family-building journey, and we can help you as well. Happy to share the references from the past IPs if needed.
Get in touch for a Free Surrogacy Consultancy:
📲 +91-8800481100 ( WhatsApp, Line, Viber)
FAQs for Surrogate Mother Cost in Mumbai
Surrogate Mother Cost in Mumbai
A surrogate mother cannot be paid a fee in India. Her medical care, insurance and delivery usually cost about ₹6–9 lakh, which is part of the total surrogacy cost of ₹25–35 lakh.
Can I pay a surrogate mother in India?
No. Paying a surrogate is a punishable offence under the Surrogacy (Regulation) Act, 2021. Only her medical expenses and insurance can be covered.
What insurance is needed for a surrogate mother?
The intended parents must buy health insurance for the surrogate for 36 months.
Does the surrogate mother have to be a relative?
No. The surrogate does not have to be a close relative, but she must meet all legal criteria and get an eligibility certificate.
What is the total surrogacy cost in Mumbai?
The total surrogacy cost in Mumbai is typically ₹20–30 lakh. See our full surrogacy cost in Mumbai guide.
Why is the surrogate mother cost higher in other countries?
In countries such as Georgia, Mexico, Colombia and the USA, surrogates may receive compensation under local law, which adds to the total cost.
More Resources:
- National Center for Lesbian Rights (NCLR): https://www.nclrights.org/
