From Dr. Nalini’s Blog

Cost is generally considered the major concern for couples planning fertility treatment. In various clinics across Delhi, IVF treatment cost is also variable. According to reports, although various IVF clinics offer attractive packages for IVF treatment, ultimately the cost depends upon medical requirements and stages of treatment and IVF cycles.

Currently, for every cycle of IVF treatment at IVF clinics in Delhi, the fee may range between Rs. 1,00,000 (INR) and Rs. 3,50,000 (INR) as of 2026. But very few cases are completed with just the base fare paid by most patients. Medications and specific treatments are also key contributors to the ultimate costs of the treatment.

IVF Cost Correct as of 1st January 2026 (Approximate)

IVF Clinic Service Costs in India (Approximate)

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What Is IVF and Why Does It Vary in Total Cost?

During in vitro fertilization (IVF), a girl’s uterus gets an embryo that has been fertilized by using sperm out of doors of her body. Ovarian stimulation, egg retrieval, fertilization, and embryo transfer are a number of the procedures in the procedure. The fees for those operations can mount up swiftly due to their complexity. Furthermore, the value of IVF processes can vary relying on quite a number of things. These consist of the medicinal drugs, testing, consultations, and in positive conditions, many rounds of IVF.

IIVF techniques can nevertheless be very steeply-priced for many couples, despite the fact that they are much less highly-priced in India than in lots of Western countries. The following variables affect how much IVF prices in India:

• The clinic’s location (costs are typically higher in metro areas)
• The patient’s health
• Whether you decide to pursue additional procedures like genetic testing, ICSI, or embryo freezing
• How many IVF cycles are needed to conceive a child

Let’s examine the many components that go into the overall cost of IVF in India.

Average Cost of IVF in India

One IVF cycle in India normally expenses among ₹1,00,000 and ₹3,50,000, despite the fact that this is best the base value. You’ll find out that greater offerings and remedies can enhance this sum while we dig deeper into the breakdown.

For example, a number of clinics promote applications that begin at ₹1,00,000 or maybe less. All vital treatments and medications might not be protected inside the advertised bundle pricing, nevertheless. Because of this, the real fee of 1 IVF cycle can range from ₹1,50,000 to ₹4,50,000.

A summary of the prices for several IVF-related services may be seen below

Cost Breakdown of IVF in India

1. Initial Consultation and Fertility MOT

A fertility session is the first level of IVF treatment, for the duration of which your medical doctor will compare your fertility and advocate the quality direction of motion. This incorporates the first diagnostic checking out for each couples, normally referred to as a fertility MOT (fertility test-up), which consists of semen evaluation, blood testing, and ultrasounds.

• Cost: ₹5,000 to ₹15,000

2. Medications and Hormonal Injections

In order to encourage the ovaries to create numerous eggs, injections and drugs are hired as a vital factor of in vitro fertilization (IVF). This technique, which would possibly take ten to fourteen days, includes careful commentary the use of ultrasounds and blood checks.

• Cost: ₹40,000 to ₹90,000

Depending in your man or woman requirements, the cost of hormone injections and drugs can also change. The cost of medicinal drugs can vary primarily based on whether you buy them from a pharmacy or immediately from the sanatorium, and they often account for a giant quantity of the full fee. Some human beings prefer to buy their prescribed drugs from impartial pharmacies, potentially lowering prices.

3. Egg Retrieval and Sperm Collection Cost

When the eggs are absolutely advanced, a needle is used to put off them from the ovaries even as ultrasound guidance is supplied. A sperm pattern is likewise taken concurrently from both the donor or the male companion. Although easy, there are charges associated with both of those procedures.

• Cost: ₹30,000 to ₹60,000

4. Fertilization (IVF or ICSI)

Once the eggs are absolutely fashioned, they are extracted from the ovaries the use of a needle under ultrasound steerage. Simultaneously, a sperm pattern is obtained from the male associate or the donor. Both of those methods have charges even though they are straightforward.

• Cost of IVF fertilization: ₹30,000 to ₹50,000
• Cost of ICSI: ₹50,000 to ₹70,000

5. Embryo Culture and Transfer Cost

After fertilization, the eggs are cultivated for 3 to five days with a view to create embryos. The best embryos are chosen to be implanted into the female’s uterus. The IVF manner relies upon in this segment being a success.

• Cost: ₹30,000 to ₹60,000

6. Additional IVF Procedures

Several additional procedures can be brought in your IVF treatment based totally to your particular clinical situation, with a purpose to growth the cost. Some of the maximum commonplace accessories include:

• Embryo Freezing: If there are more embryos than needed, freezing them for future use is an option, which can save costs in future IVF cycles.
  • Cost: ₹20,000 to ₹40,000 for freezing, plus ₹10,000 to ₹15,000 per year for storage.
• PGT (Preimplantation Genetic Testing): Genetic testing can be done on embryos before they are implanted to check for chromosomal abnormalities.
  • Cost: ₹1,50,000 to ₹2,50,000
• Donor Eggs/Sperm: If using donor eggs or sperm, the cost will increase accordingly.
  • Cost of donor sperm: ₹20,000 to ₹30,000
  • Cost of donor eggs: ₹80,000 to ₹1,50,000

IVF Cost in India with Donor Egg

Using donor eggs, the average cost of IVF in India is between ₹3,50,000 and ₹6,00,000 per cycle. This sum takes care of the basic IVF process, the price of obtaining donor eggs, and further related procedures. The exact price, however, could change based on the clinic, the area, and each patient’s needs.

Cost Breakdown:

1. Base IVF Treatment: The standard IVF procedure, including ovarian stimulation, egg retrieval, fertilization, and embryo transfer, ranges between ₹1,50,000 to ₹3,00,000.
2. Donor Egg Fee: The cost of obtaining donor eggs in India can range from ₹80,000 to ₹1,50,000, depending on the donor’s background and the clinic’s donor program.
3. Medications: Hormonal medications used for both the donor and recipient can add an additional ₹40,000 to ₹90,000 to the overall cost.

Preimplantation genetic testing (PGT), embryo freezing, and other reproductive treatments are examples of additional procedures that could raise costs.

IVF Cost in India with Self Egg

In India, the average cost of IVF with self-egg is between ₹1,00,000 and ₹2,50,000 per cycle. Essential operations like ovarian stimulation, harvest of eggs, fertilization, and embryo transfer are included in this base fee. Nevertheless, this cost excludes specialist treatments, extra services, and prescription drugs, all of which might raise the total expenditure.

Factors Influencing IVF Costs with Self Egg

1. Medications: Medications for ovarian stimulation can add anywhere from ₹40,000 to ₹90,000 to the total cost.
2. Clinic Location: Metro cities like Delhi, Mumbai, and Bangalore generally have higher costs due to advanced technology and expertise, while smaller cities may offer more affordable options.
3. Additional Treatments: Add-ons like ICSI (Intracytoplasmic Sperm Injection) or embryo freezing can further increase the overall expenses.

Benefits of Using Self Eggs

When compared to using donor eggs, using your own eggs for IVF not only lowers total costs but also streamlines the procedure. Additionally, it enables parents to have a genetic relationship with their offspring, which can be significant for a lot of families.

In conclusion, although the cost of IVF using self egg varies in India, it is still a reasonable and practical choice for a large number of couples in need of reproductive treatment.

IVF Cost in India with Surrogate

The average cost of IVF with surrogacy in India is between ₹2,50,000 and ₹5,00,000 for one cycle. Generally speaking, this package covers legal fees, surrogate medical costs, and IVF procedures. However, this cost can vary depending on a number of things.

1. Surrogate Selection and Compensation: The fee paid to the surrogate can vary, often falling between ₹1,00,000 and ₹2,50,000. This includes her medical expenses and compensation for carrying the child.
2. Medical Procedures: The IVF process involves several medical procedures such as egg retrieval, fertilization, and embryo transfer, which add to the overall cost. Additional costs may arise if you opt for advanced techniques like ICSI (Intracytoplasmic Sperm Injection) or preimplantation genetic testing (PGT).
3. Legal and Administrative Fees: Legal agreements are essential to ensure that both parties understand their rights and responsibilities. These legal fees can vary based on the complexity of the arrangement.
4. Multiple IVF Cycles: In many cases, couples may need more than one IVF cycle to achieve a successful pregnancy, which can significantly increase the total cost.

Comprehending the total cost of IVF in India in conjunction with surrogacy is essential for efficient financial planning. It’s best to speak with fertility experts who can guide you through this difficult process and offer a thorough explanation.

IVF Cost in India with Sperm Donor

IVF cost in India with sperm donor is crucial for budgeting and planning.

A regular round of IVF in India usually costs between ₹1,50,000 and ₹4,50,000. Nevertheless, there are a few more considerations when using a sperm donor.

First, the overall cost of IVF for sperm procurement can rise by ₹20,000 to ₹30,000 if a donor is used. Whether or not the sperm comes from a known donor or a sperm bank will affect this amount.

The cost of hormone therapies, IVF drugs, and required fertility testing still needs to be paid for, which can raise the total costs by an additional ₹40,000 to ₹90,000. The package also includes the embryo transfer procedure, which ranges in price from ₹30,000 to ₹60,000 and involves retrieving eggs and fertilizing them.

Including all of these factors, the average cost of IVF with a sperm donor in India is between ₹2,00,000 and ₹5,00,000 per cycle, depending on the clinic and the specific situation.

IVF Cost in India with Egg Donor & Surrogate Mother

Understanding IVF Cost in India with Sperm Donor

When a couple is having trouble conceiving, in vitro fertilization (IVF) has grown in popularity, especially for individuals who need sperm donors. The location of the clinic, the expertise of the medical staff, and any additional procedures needed can all have a substantial impact on the cost of IVF in India with sperm donors.

In India, the average cost of an entire IVF cycle with a sperm donor is between ₹1,50,000 and ₹3,50,000. The first consultation, fertility tests, ovarian stimulation, egg harvesting, fertilization, and embryo transfer are usually included in this package. However, there are additional expenses associated with employing a sperm donor; they might vary based on the clinic’s policies and the donor’s profile, from ₹20,000 to ₹50,000 for the sperm sample itself.

Couples should factor in other charges, like hormone injections and drugs, which can bring the total cost of IVF up to ₹90,000 or more. These prices are in addition to the base costs. Genetic testing and other add-on services like embryo freezing can raise the total cost even more. Consequently, the entire cost of IVF using a sperm donor could be as high as ₹5,00,000 or higher.

Couples must speak with the clinic of their choice in order to obtain a detailed treatment plan that includes an estimate of all possible expenses. Couples can choose a solution that matches their budget and ensures high-quality medical care by looking at several clinics and comparing their packages. Couples can successfully manage the financial implications of IVF with an Indian sperm donor with thorough preparation and awareness.

IVF Cost in India with Sperm Donor & Surrogate Mother

The cost of IVF in India with a surrogate mother and sperm donor might vary greatly based on a number of variables. An IVF cycle typically costs between ₹1,00,000 and ₹2,50,000 at base. On the other hand, you should budget an extra ₹20,000 to ₹30,000 for the donor sperm when employing a sperm donor.

The cost increases dramatically when a surrogate mother is used. The typical cost for a surrogate might vary from ₹3,00,000 to ₹5,00,000, contingent upon the surrogate’s background and the standing of the facility. Prenatal care expenditures, medical expenses, and surrogate remuneration are typically covered by this price.

Furthermore, additional expenses like prescription drugs, infertility procedures, and lab fees can mount up, bringing the entire cost up to ₹5,00,000–₹10,00,000 or more, contingent on the particulars and clinic fees.

Total Cost of IVF in India

After accounting for all of these expenses, most couples find that the overall cost of an IVF cycle, depending on the facility and location, ranges from ₹1,50,000 to ₹4,50,000. The cost of more sophisticated treatments, such as ICSI, genetic testing, or donor services, can rise dramatically for couples who choose them, often reaching ₹5,00,000 to ₹8,00,000.

 

The Cost of IVF by The City in India

City	Typical Cost Range (₹)	Notes
Delhi / Delhi NCR	₹1,20,000 – ₹3,00,000+	One of the most common ranges in national capital region; depends on clinic & services chosen.
Mumbai	₹1,50,000 – ₹3,50,000+	Usually higher due to premium clinics and demand.
Bangalore	₹1,30,000 – ₹2,80,000+	Tech‑driven clinics with competitive pricing
Chennai	₹1,10,000 – ₹2,70,000+	Strong fertility networks and mid‑range pricing.
Hyderabad	₹1,20,000 – ₹2,50,000+	Balanced costs with quality care.
Kolkata	₹90,000 – ₹2,20,000+	Often more affordable compared to metros.
Pune	₹1,20,000 – ₹2,30,000+	Mid‑tier range similar to other big cities.
Ahmedabad	₹99,000 – ₹2,50,000	Lower end often more budget‑friendly.
Nagpur	₹1,25,000 – ₹2,80,000	Emerging centre with competitive rates.
Other Tier‑II/III Cities	₹80,000 – ₹2,20,000	Prices vary widely; some clinics offer lower base costs.

Top Factors Affecting the Cost of IVF Pregnancy in India in 2026

1. Location: The cost of IVF in India varies greatly by location. Clinics in metro cities like Delhi, Mumbai, and Bangalore generally charge higher prices than clinics in smaller cities or towns.
2. Clinic Reputation: High-end clinics with a reputation for high success rates and state-of-the-art technology may charge more. However, a higher cost doesn’t always guarantee success, and it’s crucial to choose a clinic with experienced doctors and a good track record.
3. Personal Health Factors: Age, medical history, and fertility issues can influence the cost of your IVF treatment. Couples with more complex fertility challenges may require additional treatments, tests, or medication, which will increase the overall cost.
4. Number of Cycles: Many couples require more than one cycle of IVF to achieve pregnancy. The cost will multiply with each additional cycle, making budgeting for multiple rounds a necessary consideration for many patients.

How to Save on IVF Costs in India

While IVF can be expensive, there are a few strategies that may help reduce costs:

1. Comparison Shopping: IVF prices can vary significantly between clinics. It’s a good idea to compare prices at several clinics to find one that fits your budget while still offering high-quality care.
2. Medication Sourcing: Buying your medications from a pharmacy instead of directly from the clinic can save you money, although clinics may charge a prescription fee.
3. Government Schemes: In some states, there are government schemes that offer financial support for IVF treatment. It’s worth checking if you qualify for any such programs.

City & Clinic Variations

The costs can vary by city, clinic standard, doctor experience, and technology:

• Metropolitan cities (Delhi, Mumbai, Bangalore) tend to be more expensive (₹1.5L+ to ₹3.5L+ per cycle).

• Smaller cities/centers may offer relatively lower base prices.

• Urban centers with very advanced labs and high success rates may charge at the higher end of the range.

Conclusion

Even though IVF expenses are much cheaper in India than they are in the West, many couples still have to make a sizeable financial commitment. Depending on the clinic, the patient’s needs, and the region, the cost of IVF might vary significantly. A single IVF cycle typically costs between ₹1,50,000 and ₹4,50,000, but other treatments and procedures could push the total cost up to ₹5,00,000 to ₹8,00,000 or more.

When considering IVF, it’s important to get a clear understanding of all the potential costs involved and ensure you have a plan in place for how to manage them