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Cost of Surrogacy in Mumbai – What to Expect

by Neelam Chhagani

Cost of Surrogacy in Mumbai| Altruistic Surrogacy in Colombia

surrogacy cost in mumbai

The cost of surrogacy in Mumbai ranges from 25 lakhs to 35 lakhs INR based on the locations and types of services needed by the intended parents.  For couples and individuals considering surrogacy to start their family, the costs involved can seem daunting. In a major metro city like Mumbai, it’s natural to expect higher surrogacy costs than the Indian national average. In this blog, we’ll break down the key costs of surrogacy in Mumbai.

Mumbai is one of India’s leading hubs for fertility care, offering world-class IVF clinics, skilled doctors, and comprehensive surrogacy support. For many intended parents, the cost of surrogacy in Mumbai is a key factor in planning their parenthood journey. While prices are more affordable compared to countries like the USA or Europe, they can vary depending on medical treatments, surrogate compensation, legal requirements, and agency services. Knowing what to expect in terms of expenses helps intended parents budget realistically and make informed decisions.

 

Surrogacy in Mumbai has become an important option for couples and individuals struggling with infertility, offering advanced medical care and well-regulated procedures. One of the most common questions intended parents ask is: How much does surrogacy cost in Mumbai? On average, the cost of surrogacy in Mumbai ranges between ₹25 lakhs to ₹35 lakhs INR, depending on factors like the choice of clinic, type of surrogacy program (self-egg or donor egg), legal support, and additional medical requirements. Understanding these costs in detail can help intended parents plan their journey with greater confidence and financial clarity.

Get in touch for FREE SURROGACY CONSULTING:

Mobile: +91-8800481100  ( WhatsApp, Line, Viber)  

Email: neelam@ivfconceptions.com

Web: www.ivfconceptions.com

 

Why Intended Parents Choose Complete Surrogacy for a Safe, Smooth & Successful Surrogacy Journey:

🌍 Access to multiple surrogacy destinations with 15+ years of international experience

🏥 Partnerships with top-tier fertility clinics and agencies, backed by references from past clients

👩‍🦱 Diverse egg donor options: Asian, Caucasian, African, Oriental, and more

💸 Transparent and affordable pricing—direct payments with no extra agency fees

🔒 No hidden costs—all charges are agreed upon upfront

🤝 Dedicated case manager for personalized support

📲 Fast, honest, and clear communication throughout

📑 Full legal support for visas, documentation, and baby exit processes

🚚 Assistance with frozen sperm/embryo shipment logistics

 

Additional guide for surrogacy in India:

Cost of Surrogacy in Mumbai: Affordable Options are possible 

Top 5 Best Surrogacy Doctors in Mumbai With High Success Rate (2023)

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

 

find your surrogate motherSurrogacy Costs in Mumbai

Mumbai, the financial capital of India, is not only known for its world-class medical infrastructure but also for being a leading destination for assisted reproductive treatments (ART) such as IVF and surrogacy.

For intended parents considering surrogacy in Mumbai, one of the first questions that arises is: “How much does surrogacy cost in Mumbai?”

On average, the cost of surrogacy in Mumbai ranges between ₹25 Lakhs to ₹35 Lakhs (approx. \$30,000 – \$42,000 USD). The total expense depends on the clinic, surrogate compensation, medical procedures, and legal formalities.

In this guide, we’ll break down the expected costs, factors affecting them, and what intended parents should keep in mind.

Surrogacy Cost in Mumbai – A Detailed Breakdown

Expense Category Estimated Cost (₹) Notes
IVF & Medical Procedures ₹5,00,000 – ₹7,00,000 Includes IVF, embryo transfer, scans, and medications
Surrogate Compensation ₹8,00,000 – ₹10,00,000 Covers pregnancy-related care and living expenses
Legal & Documentation Fees ₹2,00,000 – ₹3,00,000 Legal contracts, court affidavits, parental rights
Donor Egg / Sperm (if required) ₹1,50,000 – ₹2,50,000 Applicable if using donor gametes
Surrogate Care & Insurance ₹3,00,000 – ₹5,00,000 Medical check-ups, hospitalization, insurance cover
Delivery & Hospital Charges ₹3,00,000 – ₹4,00,000 Includes C-section or natural delivery
Miscellaneous & Agency Fees ₹2,00,000 – ₹3,00,000 Administrative and coordination charges

👉 Total Estimated Cost: ₹25,00,000 – ₹35,00,000

Factors That Influence Surrogacy Costs in Mumbai

  1. Choice of Clinic or Hospital – Premium fertility centers in Mumbai may charge higher fees.
  2. Surrogate’s Medical Needs – High-risk pregnancies may require additional monitoring and expenses.
  3. Use of Donor Eggs or Sperm – Increases costs by ₹1.5–2.5 Lakhs.
  4. Multiple Attempts – If IVF needs to be repeated, costs may rise.
  5. Legal Support – Comprehensive legal services ensure security but add to expenses.

 

The main components that make up total surrogacy costs in Mumbai are:

  • IVF Treatment – For surrogacy arrangements, the embryo is created through in vitro fertilization (IVF) before transfer into the surrogate. Typical IVF costs in Mumbai range from 1.5 – 2.5 lakh rupees per cycle. Most couples require 2 cycles.
  • Surrogate Mother Expense – The fees paid to the surrogate mother can cost anywhere from 4-8 lakh rupees in Mumbai. First-time surrogates are generally on the lower end of that range. Costs are higher for experienced surrogates with proven track records.
  • Agency/Clinic Fees – There will be professional fees paid to the surrogacy agency or fertility clinic facilitating the arrangement. At well-known agencies in Mumbai, these fees tend to fall in the 1-2.5 lakh range.
  • Legal Fees – A lawyer is required to draw up contracts between the intended parents and the surrogate. Legal costs are typically 1 to 2 lakh rupees to get the legal compliances.
  • Other Costs – Miscellaneous costs can include shipment and storage of embryos, mandatory health insurance for surrogate mothers, and regular screening tests. These extras can cost 1-2 lakh rupees.
  • Legal approvals – The cost of legal approval and compliance varies from state to state and also depends on the lawyer’s fee for the same. In most states, the legal compliance fee is around 4-6 lakh rupees.

Additional resources for surrogacy in India:

Is Surrogacy for NRI in India Allowed?

Is Surrogacy Legal In India?

How to Find Surrogate Mothers in India

How Much Does Surrogacy Cost In India ( in 2023)?

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

 

Surrogacy in Mumbai vs Other Indian Cities

City Cost Range (₹ Lakhs) Remarks
Mumbai 25 – 35 Higher due to premium medical facilities
Delhi NCR 20 – 30 Competitive pricing, multiple clinics
Bangalore 22 – 32 Advanced fertility technologies
Hyderabad 20 – 28 Slightly lower costs
Kolkata 18 – 25 More affordable, fewer options

What’s Included in the Package?

Most surrogacy packages in Mumbai cover:

  • IVF cycle & embryo transfer
  • Surrogate compensation
  • Routine medical care and maternity support
  • Delivery charges
  • Basic legal agreements

Not included: Advanced legal services, travel, and additional IVF cycles.

 

Understanding Surrogacy Costs and Packages in Mumbai, India

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 females and 55 for males.

Surrogacy packages cost in Mumbai

The total surrogacy costs in India vary based primarily on what services you need and what legal compliances are needed to do altruistic surrogacy in India.

Some additional services, like donor egg,s are needed or not, as procuring an egg donor can add significantly to the base surrogacy costs. Using your own frozen embryo shipments also lowers costs. Hospital delivery charges are also key cost drivers.

Here is a table summarizing the key Surrogacy Packages Costs in Mumbai:

Surrogacy Package in Mumbai Surrogacy Services Include Total Cost of Surrogacy
Gestational Surrogacy with Egg Donor ·  IVF cycle

·  Egg donor compensation

·  Surrogate recruitment & Compensation

·  Legal contracts &lawyers fees

·  Medical/care costs for surrogate

·  Hospital delivery charges

·  Documentation& exit formalities

₹25-35 lakh
Gestational Surrogacy with Own Eggs ·  IVF cycle

·  Surrogate recruitment & compensation

·  Legal contracts &lawyers fees

·  Medical/care costs for surrogate

·  Hospital delivery charges

·  Documentation& exit formalities

₹25-31 lakh
Surrogacy with Shipped Frozen Embryos ·  Embryo storage fees

·  Surrogate recruitment & compensation

·  Legal contracts &lawyers fees

·  Medical/care costs for surrogate

·  Hospital delivery charges

·  Documentation& exit formalities

₹22-25lakh

Factors Affecting Surrogacy Costs

Factors such as medical procedures, surrogate compensation, legal expenses, and postnatal care contribute to overall surrogacy costs. Understanding these elements helps prospective parents make informed decisions about their surrogacy journey.

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.

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 14 years of experience facilitating surrogacy arrangements, egg donation, and serving as an advocacy resource for infertile couples and LGBTQ individuals seeking to build families.

Our founder and chief surrogacy consultant, Neelam Chhagani, passionately helps couples struggling with fertility challenges. Since starting our surrogacy consulting agency in 2013, we’ve helped welcome over 500 babies for intended parents nationwide.

Our team includes experts from diverse backgrounds with leading reproductive attorneys, professionally trained top fertility doctors, former surrogacy case managers, experienced and kind surrogate mother and egg donor coordinators, mental health professionals specializing in infertility counseling, and a logistic support team to assist you in your chosen surrogacy country.

Conclusion

The cost of surrogacy in Mumbai (₹25 – ₹35 Lakhs) reflects the city’s reputation for high-quality medical care, experienced specialists, and advanced fertility technologies. While it may be slightly more expensive than other Indian cities, Mumbai offers intended parents a secure, reliable, and medically advanced environment for their surrogacy journey.

If you are considering surrogacy in Mumbai, consult with an experienced surrogacy consultant or agency to understand the full breakdown, legal framework, and success rates before making a decision.

Get in touch for  FREE SURROGACY CONSULTING:

Mobile: +91-8800481100  ( WhatsApp, Line, Viber) 

Email: neelam@ivfconceptions.com

Web: www.ivfconceptions.com

Web: www.completesurrogacy.com

FAQs for surrogacy cost in Mumbai:

Cost of SurrogacyHow much surrogate price in Mumbai?

The surrogacy price in India is in the range of 20 to 25 lakh Indian Rupees based on the location and the kind of services needed. There has been a significant increase in the legal compliance cost due to many approvals and NOCs needed before starting the actual surrogacy treatment in the IVF clinic that is ART Registered.

What is the lowest surrogacy cost in Mumbai?

As of now, India is not a country that can offer surrogacy for all.  There have been many restrictive clauses in the Surrogacy Regulation Act 2021, and due to it, many legal compliances need to be met.

The lowest cost of surrogacy is almost 20 lakh Indian rupees, but you need to confirm with a surrogacy agency in India what is included in this surrogacy package.  The lowest surrogacy in India is possible if you compare it with other international surrogacy countries.

IVF egg donor surrogacy cost in Mumbai?

The IVF egg donor surrogacy cost in Mumbai is around 23 to 25 Lakh Indian Rupees.  As for donors, you need to get individual permission from the court, so it may lead to a higher cost of surrogacy and more time to get started.

Neelam Chhagani is an International Surrogacy Expert with 15 years of experience in the fertility and surrogacy domain. As the founder of IVF Conceptions, she has guided over 4,000 intended parents worldwide on their surrogacy journey to parenthood. Recognized as a trusted authority, she specializes in holistic infertility solutions and third-party reproduction consulting. Holding an MA in Counselling Psychology and a PGD in Mental Health, Neelam is a proud member of the European Fertility Society (EFS) and the European Society of Human Reproduction and Embryology (ESHRE). She is also a leading surrogacy blogger, providing valuable insights into ethical and practical surrogacy solutions. Since 2010, committed to supporting ALL family types, Neelam has been passionate about helping intended parents grow their families with compassion, integrity, and a focus on secure and affordable surrogacy options​ Globally. Learn more about Neelam: https://www.ivfconceptions.com/neelam-chhagani-surrogacy-consultant/ https://www.linkedin.com/in/neelam-chhagani-92892229/

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