How Much Does Surrogacy Cost in Mumbai?
The surrogacy cost in Mumbai is typically 25 to 35 lakhs in 2026, depending on the clinic, whether you use your own eggs or donor eggs, the number of IVF attempts and your legal requirements.
Under the Surrogacy (Regulation) Act, 2021, only altruistic surrogacy is allowed in India. This means the cost covers IVF, the surrogate’s medical care and insurance, legal approvals and delivery — the surrogate mother cannot be paid a fee. This guide gives you the full surrogacy cost breakdown so you can plan with confidence.
Get in touch for FREE SURROGACY CONSULTING:
Mobile: +91-8800481100 ( WhatsApp, Line, Viber)
Email: neelam@ivfconceptions.com
Why Intended Parents Choose Complete Surrogacy for a Safe, Smooth & Successful Surrogacy Journey:
🌍 15+ years of experience in India and international surrogacy
🏥 Partnerships with registered fertility clinics, backed by references from past clients
👩🦱 Diverse egg donor options: Asian, Caucasian, African, Oriental, and more
💸 Transparent pricing with direct payments and no extra agency fees
🔒 No hidden costs — all charges are agreed upon upfront
🤝 A dedicated case manager for personal support
📲 Fast, honest and clear communication throughout
📑 Help with certificates, legal documentation and court orders
Additional guide for surrogacy in India:
Surrogacy cost in India
Is surrogacy legal in Mumbai?
Surrogate mother cost in Mumbai
What Is the Surrogate Mother Cost in Mumbai?
Under Indian law, a surrogate mother cannot be paid a fee. The “surrogate mother cost” only covers her medical expenses, pregnancy care and insurance for 36 months. Commercial surrogacy is a punishable offence in India. Read more in our guide to surrogate mother cost in Mumbai.
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
- Choice of clinic or hospital – Premium fertility centres in Mumbai may charge higher fees.
- Surrogate’s medical needs – High-risk pregnancies may need extra monitoring.
- Donor eggs or sperm – Adds about ₹1.5–2.5 lakh.
- Multiple IVF attempts – If IVF needs to be repeated, costs rise.
- Legal requirements – Approvals and court procedures vary by case.
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?
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 Lakhs | Higher due to premium medical facilities |
| Delhi NCR | ₹ 20 – 30 Lakhs | Competitive pricing, multiple clinics |
| Bangalore | ₹22 – 32 Lakhs | Advanced fertility technologies |
| Hyderabad | ₹25 – 30 Lakhs | Slightly lower costs |
| Kolkata | ₹18 – 25 Lakhs | 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 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 eggs 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:
| Package | What’s included | Estimated total |
|---|---|---|
| Surrogacy with own eggs | IVF cycle, surrogate’s medical care & insurance, legal approvals, court order, delivery, documentation | [₹25-31 lakhs] |
| Surrogacy with donor eggs | Everything above + egg donor expenses | [₹25-35 lakhs] |
Who Can Do Surrogacy in Mumbai?
Only altruistic surrogacy is allowed, and only for eligible intended parents:
- Married Indian couples: female 23–50 years, male 26–55 years, with a medical indication certified by the District Medical Board
- Indian widows or divorcees aged 35–45
- Couples where both partners are OCI cardholders
Foreign nationals, single men and same-sex couples are not eligible. Read the full rules in Is surrogacy legal in Mumbai?
How IVF Conceptions Can Help
Our team has over 15 years of experience and has guided more than 4,000 intended parents. We work with leading reproductive lawyers, registered fertility clinics and experienced case managers to support you at every step, from the eligibility check to your baby’s documents. If you are not eligible in India, we can guide you to legal options in Georgia, Mexico and Colombia.
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 surrogacy cost in Mumbai (25 to 35 lakhs) reflects the city’s high-quality medical care and the legal approvals required under the Surrogacy (Regulation) Act, 2021. Before you decide, speak with an experienced surrogacy consultant to understand your full cost breakdown and eligibility.
Get in touch for FREE SURROGACY CONSULTING:
Mobile: +91-8800481100 ( WhatsApp, Line, Viber)
Email: neelam@ivfconceptions.com
Web: www.completesurrogacy.com
FAQs – Surrogacy Cost in Mumbai
How much surrogate price in Mumbai?
Surrogacy in Mumbai typically costs [25 to 35 lakhs], depending on the clinic, own or donor eggs, the number of IVF attempts and legal requirements.
How much is the surrogate mother paid in Mumbai?
A surrogate mother cannot be paid a fee in India. Only her medical expenses, pregnancy care and insurance are covered.
What is the lowest surrogacy cost in Mumbai?
The lowest cost is around [25 to 31 lakhs], usually with own eggs and a single IVF cycle. Always confirm what is included in any package.
How much does egg donor surrogacy cost in Mumbai?
Using donor eggs adds about ₹1.5–2.5 lakh, bringing the total to around [DONOR EGGS].
How much does surrogacy cost for twins in Mumbai?
Most clinics recommend transferring one embryo to reduce health risks. If a twin pregnancy happens, delivery and newborn care usually cost more because of additional monitoring and possible NICU care. Contact us for an estimate based on your case.
What is the gestational surrogacy cost in Mumbai?
All legal surrogacy in India is gestational, meaning the surrogate has no genetic link to the baby. So the gestational surrogacy cost in Mumbai is the same as the total cost above: ₹20–30 lakh
Why has surrogacy become more expensive in India?
Most of the increase comes from legal approvals, certificates and court procedures required under the Surrogacy (Regulation) Act, 2021.
Is the surrogacy cost in India the same as in Mumbai?
Mumbai is usually slightly more expensive than the national average because of higher hospital costs. See our full surrogacy cost in India guide.