Surrogacy Cost in Mumbai (2025) | ₹18 to ₹20 Lakh | Legal Process and SM Guidelines

Surrogacy Overview

Planning your family through surrogacy? Then this is the right place for you! Look no further; we will help you with every step. Did you know that even acting personalities such as Shah Rukh Khan, Priyanka Chopra, and Aamir Khan have gone for surrogacy to have their children? Such stories of well-known persons mark incredible features of surrogacy and build your trust in fertility clinics. Well, we will make the process as easy as possible for you. We assure you that every step with us will be in favor of your needs and requirements. Once you are on board, we commit to achieving your dream of parenthood, as your dream for us is invaluable, and we cannot put a price tag on it. It's time to execute the plan you have in your mind of starting a family for so long.

What is Surrogacy?

Surrogacy is a process where a woman called a surrogate carries a child on behalf of someone else, called the intended parents. During the process, the surrogate becomes pregnant through IVF, and after the child’s birth, the intended parents become the legal parents of the child.

Types of Surrogacies

1. Gestational Surrogacy: The surrogate carries the baby on behalf of the intended parents. The egg is taken from the intended mother and the sperm from the intended father or in some cases, either of the gametes is taken from the donor. The surrogate has no genetic link to the child.
 
Below is a comparison of past and present techniques in gestational surrogacy:
 

Aspect	Past Techniques	Present Techniques
Genetic Link	Surrogates are often genetically linked to child	Surrogate is not genetically linked to the child
Embryo Transfer	Only fresh embryo transfer was possible	Fresh and frozen embryo transfers are available
IVF Success Rate	Low success rates	High success rates with advanced technology
Genetic Testing	Not available	PGT ensures embryo health and genetic normality
Uterine Preparation	Basic hormonal support	Customized protocols for better results
Technological Tools	Basic lab equipment	Advanced incubators and cryopreservation techniques

2. Traditional Surrogacy: In the traditional type of surrogacy, the eggs are retrieved from the surrogate mother, and the sperm is utilized either from the intended father or the sperm donor, making the surrogate the biological mother of the child. Due to ethical reasons, this is a less commonly practiced form of surrogacy in India
 
Surrogacy Types Based on Compensation

Surrogacy arrangements can also be classified based on the financial arrangement involved:

Type	Description
Altruistic Surrogacy	A surrogate is not compensated financially, except for medical, legal, and related expenses. Usually involves someone close to the intended parents.
Commercial Surrogacy	Involves financial compensation to the surrogate. This is now prohibited in India.

 

SUMMARY  

How does Surrogacy work with Vinsfertility?

Parenthood is not only your dream but is a dream of many other intended parents out there. If you think you are alone in this journey, then you are mistaken, many families daily come up with queries and ask our fertility experts regarding the ART procedure just to combat their infertility if not by natural means, then by the aid of science and technology. At Vinsfertility, we are dedicated to converting your parenthood dream into reality. With transparency in our process, we have gained the trust of countless families. Surrogacy is about forming families and nurturing feelings of your own as well as the child’s. We are here to support you every step of the way and in return, we expect your full cooperation.

At Vinsfertility, we combine science with care and empathy to help you experience the greatest joy of holding your child in your arms, and together, we create a pathway to your happiness.

So, the process of surrogacy at Vinsfertility starts with analyzing the needs and beliefs you want in a surrogate mother and choosing a healthy surrogate mother for you. From our end, we evaluate the health and medical conditions of the surrogate, and then only we come to a finalized decision of choosing an ideal surrogate for you, followed by a meeting of the surrogate and the intended parents to sign legal contracts. An application is submitted to the state board for approval, then an evaluation by a district court, and the final permission grant is approved by the state board. After the final approval from the state board, IVF is carried out to create embryos, which are then implanted inside the surrogate’s womb.

Now the embryo creation can be done by following two ways:

1. Using self-eggs and the intended father’s sperm

• Self-eggs refer to the eggs from the intended mother
• This involves combining the mother’s eggs with the father’s sperm, creating a biological connection to both parents.

2. Using donor eggs and intended father’s sperm

• Donor eggs are eggs provided by a female donor selected by you or the clinic.
• This option is ideal for intended mothers who cannot produce healthy eggs while maintaining a genetic link to the intended father.

3. Using donor sperm and self-eggs

• Donor sperm refers to the sperm from the male donor selected by you and or the clinic.
• For divorced or widowed women, or in cases where the intended father’s sperm is unavailable, embryos can be created using the intended mother’s eggs and donor sperm

 The embryo, once implanted leads to the surrogate’s pregnancy. After which proper care and medications are provided to her. After the child’s birth, he/she is the legal child of the intended parents, and the surrogate is also provided with postpartum care.
 
SUMMARY
Vinsfertility provides surrogacy services, including selecting a healthy surrogate mother, evaluating their health, signing contracts, and applying for approval, followed by IVF, resulting in a legal child.

Who may consider Surrogacy?

The initial process when you try to conceive through natural means where you get no results can be emotionally draining and challenging, the waiting period between the tests and the results, the doubts regarding pregnancy, and the deep desire to have a child of your own can feel overwhelming. But keep in mind, that you are not alone. Surrogacy offers a path that narrates that where there’s a will, there’s always a way to create a family. Your dream of becoming a parent is possible with the help of our support, expertise, and compassion because we provide you with the best healthcare practitioners. With the increment in infertility, as time passes by, the demand for ART treatment like surrogacy is very high, leading the professionals in this sector to gain a lot more experience than they had earlier.

The table below highlights why infertility is more common today than it was in older times:

Aspect	Older Days	Nowadays
Lifestyle	Simpler, less stress, physical labor, and healthy diets	A sedentary lifestyle, high stress, processed food, and exposure to toxins
Age at Parenthood	Early marriages and parenthood typically in the 20s	Delayed marriages and parenthood due to career, education, and personal goals
Environmental Factors	Limited exposure to pollutants	Limited exposure to pollutants
Diet and Nutrition	Natural, homegrown, and minimally processed foods	Processed, fast food, and nutrient-deficient diets
Medical Awareness	Limited understanding and diagnosis of infertility issues	Advanced diagnostics uncovering previously undetected infertility causes
Use of Contraceptives	Minimal use of hormonal contraceptives	Widespread and long-term use of hormonal contraceptives affecting hormonal balance
Exposure to Chemicals	Limited exposure to chemicals in daily life	Increased exposure to pesticides, plastics, and industrial chemicals affecting fertility
Reproductive Health	Fewer sexually transmitted infections due to social norms and less mobility	Increased prevalence of STIs and untreated infections impacting fertility

 

To make it more authentic and trustworthy, we are below providing the data of some of the highly renowned and recognizable organizations representing the increasing infertility rate over the last few years.
 

Year	Infertility rate in India	Source	Notes	Factors contributing to the increase in Infertility
2015	4.2%	WHO Report on Global Fertility Trends	Gradual increase in infertility in urban areas.	Higher rates of assisted reproduction (IVF) and awareness.
2016	4.5%	Indian Journal of Medical Research	Rising number of couples seeking assisted reproduction.	The rise in environmental and dietary issues, and urbanization effects.
2017	4.8%	AIIMS Study on Reproductive Health	Infertility is affected by lifestyle and environmental factors.	Rise in female infertility, linked to hormonal and lifestyle issues.
2018	5.1%	National Health Profile (NHP)	The report suggests an increasing rate of metros.	Infertility treatments becoming more accessible, but prevalence is growing.
2019	5.3%	Research Article, PubMed, Reproductive Health	Surge in delayed pregnancies due to societal shifts.	Shift in family planning norms, more couples experiencing delayed pregnancies.
2020	5.5%	International Fertility Research Center (IFRC)	Infertility growing due to rising health problems.	COVID-19 stress and financial instability contribute to fertility issues.
2021	5.7%	WHO's Global Health Estimates	Infertility among women rises with age and lifestyle changes.	Continued increase in health problems like PCOS, and lifestyle diseases.
2022	6.0%

How Much Does Surrogacy Cost In Mumbai 2025

Surrogacy cost in India is affordable and effective.  The average estimated cost of surrogacy in Mumbai is between Rs. 18 lakhs to Rs. 20 lakhs. This cost covers medical expenses, the surrogate mother's compensation, legal costs, and agency fees. In Mumbai, surrogate mothers are compensated only for medical and health care expenses incurred while carrying a child and have strict limitations on compensation owing to the possibility of exploitation. This enables access to legally approved surrogacy in Mumbai for many intended parents
 
Factors affecting the cost of Surrogacy in Mumbai:
 

1. Area of a particular Surrogacy center and its credibility: Most often, the surrogacy clinics in Mumbai which are well-known for their respective locations charge more fees than other clinics at different locations for their various services.
2. Surrogate's Medical Conditions: If a surrogate has any health complication, then to combat that, the clinic runs some tests and goes through some advanced additional treatments which include medications and injections to lower the risk rate, this may add to the total cost of the surrogacy.
3. Number of implant cycles fails: Some clinics provide multiple IVF attempts at a fixed price. This includes multiple embryo transfer as well, which has a higher success rate than implanting one embryo inside the uterus.
4. Legal complications: The legal process is a tedious task you have to do when you are applying for surrogacy, during which the clinic helps you all the way or you can apply for it by hiring your lawyer. Many complications can arise while processing the documents related to surrogacy. The complication level of the legal procedure increases the overall cost.
5. Multiple births during and Cesarean at the time of birth: In some cases, the surrogate gives birth to twin babies, if the intended parents and the surrogate agree to keep them, we move ahead with the process. In some other cases where the surrogate might require a cesarean rather than giving a normal birth at the time of delivery, the total amount gets increased due to the involvement of different surgical techniques and healthcare professionals.

Tests and Scans Costs for Surrogacy
 

Tests/scans (for intended parents and surrogate)	Purpose	Cost
Blood Tests for Hormone Levels	Evaluate hormone levels (FSH, LH, TSH)	INR 1,500-5,000
Blood Tests for Infections (Disease Screening)	Check for HIV, Hepatitis B/C, Syphilis, etc.	INR 3,000-7,000
AMH tests (Anti-Mullerian Hormone)	Assess ovarian reserve	INR 2,000-4,000
Pelvic Ultrasound (transvaginal and abdominal)	Examine the uterus, ovaries, and endometrium health	INR 1,500-3,500
Hysteroscopy	Detect uterine abnormalities	INR 15,000-25,000
Semen analysis	Assess sperm quality and motility	INR 800-2,000
Genetic Testing (e.g., Karyotyping)	Check for genetic abnormalities	INR 5,000- 10,000
Mock Embryo Transfer	Simulate the embryo transfer process	INR 5,000-10,000
HSG (Hysterosalpingography)	Check fallopian tube patency	INR 5,000-8,000
Preimplantation Genetic Testing (PGT)	Screen embryos for genetic issues.	INR 20,000-50,000
Beta-HCG Test	Confirms pregnancy	INR 500-1,000
Early Pregnancy Scans	Monitor early embryo development	INR 1,000-3,000 per scan
Thyroid Function Tests	Checks the level of TSH, T3, and T4 levels.	INR 800-2500
Prolactin Test	Measures prolactin levels in blood	INR 800-1,500
Vitamin D Levels	Checks for deficiencies affecting fertility	INR 800-1,500
Fetal Anomaly Scan	Assess fetus health in later pregnancy stages.	INR 3,000- 5,000
Total cost		INR 1,50,000- 2,00,000

Surrogacy Procedure Cost in Mumbai
 

Procedure	Description	Estimated Cost
Initial consultation	The first step involves meeting with fertility experts to discuss medical, legal, and procedural details.	INR 10,000-Rs 20,000
State board approval	Submission of documents to obtain official approval from the state regulatory board.	INR 30,000- 50,000
District board verification	Verifying eligibility and obtaining the necessary permissions from the district authorities.	INR 20,000- 30,000
Final state board approval	Final clearance from the state board to proceed with the surrogacy process.	INR 10,000- 15,000
Surrogate matching and screening	Selection and testing of the suitable surrogate	INR 1,50,000- 2,00,000
IVF process	Includes egg retrieval, fertilization, and embryo transfer using advanced IVF techniques.	INR 1,50,000 - 2,00,000
Embryo transfer procedure	Transferring embryos inside the surrogate’s uterus.	INR 20,000- 40,000
Pregnancy and medical care	Covers regular health check-ups, prenatal care, and medical support for the surrogate.	INR 3,50,000 - 4,00,000
Delivery and legal formalities	Includes hospital delivery charges and completion of all legal documentation for parental rights.	INR 1,00,000 – INR 1,50,000
Surrogate Mother Compensation	Covers the surrogate’s expenses, including medical care and other necessities during pregnancy.	INR 7,00,000- INR 7,50,000
Total duration- 12-18 months	The entire surrogacy process typically takes 12-18 months to complete.	Total cost- INR 18,00,000- INR 20,00,000

Add on Costs for Surrogacy in Mumbai
 

Protocols	Cost (INR)	Notes
Additional Costs for Donor Eggs	INR 1,50,000 to INR 2,50,000	This cost adds up to the total cost when you use donor eggs instead of self-eggs.
Additional Costs for Donor Sperms	INR 25,000 to INR 65,000	When there is low motility and sperm quality is poor, donor sperms are used which adds up to the total costs.
Additional IVF cycles	INR 1,50,000 to 2,00,000 per cycle	Necessary if the initial cycle does not result in successful embryo transfer.
Additional embryos transfer	INR 50,000 to 1,00,000 per transfer	Cost depends on whether embryos are frozen or fresh.
Surrogate Mother Compensation	INR 4,00,000 to 8,00,000	The total cost will increase if the surrogate has health complications, Insurance coverage, nutrition, and other contingency fees.
Cesarean Delivery (C-section)	INR 1,50,000 to 2,00,000	Cesarean Delivery costs more because it takes experienced professionals to perform the C-section.
Twin delivery	INR 1,00,000 to INR 2,00,000 extra	Normal delivery delivers one child per pregnancy but in some cases when the surrogate delivers twins, it will add to the total cost.
Additional Legal Cost	INR 2,00,000 to 3,00,000	Compliance with updated government regulations. If there is any legal complication, it may add up to the total costs.
Psychological Screening	INR 2,000-5,000	To make sure the intended parents are ready to raise a child.
Donor Workup Cost	INR 50000	If your case needs a donor then the donor workup cost covers medical tests and screenings for donor suitability.
Embryo Freezing and storage (6 months)	INR 5000	If you want to preserve your embryo which will be useful for future fertility treatments, the total surrogacy cost might include freezing and storage charges.
Coordination and Management and caretaker services	INR 1,50,000	Ensures smooth surrogacy management through authorized channels.
NICU Charges After Baby Birth	INR 10,000	Covers neonatal care which is required after the delivery of the baby.
Baby DNA Report (Available after birth)	INR 20,000	Confirms genetic linkage of the baby to the intended parents.
PGD/PGS for Embryo Testing (10 Embryos)	INR 1,50,000 to 2,50,000	Ensures healthy embryo selection.

 

Success Rates of Surrogacy in Mumbai

In the myriads of Mumbai, science and dreams come together which results in miracles, just like turning the dream of parenthood into a beautiful reality.

Mumbai is the city of dreams, represents hope for intended parents, and provides a perfect mix of advanced medical knowledge and unwavering support throughout the surrogacy process. Mumbai has very well made its name as a main center for surrogacy, mainly due to the modern facilities used for medical treatment, affordable prices in the different medical services as well as excellent training of medical personnel. With clear legal guidelines in place, surrogacy in Mumbai is a safe and reliable option for families all over the globe.

SUMMARY
Mumbai has emerged as one of the most visited destinations for successful surrogacy. Clinics in Mumbai are well-ventured and cost-effective combined with compassion. From careful embryo selection to support you till the end keeps the intended parents assured. With impressive success rates and a patient-oriented mind, the city is perfect to opt for surrogacy. 

Surrogacy Payment Schedule in Mumbai

We know that the surrogacy payment process may appear to be lengthy which can cause you hesitation and you might consider giving it a second thought first before considering surrogacy in Mumbai as an option. But what if I say, you are no more the one who has to plan all the payment procedures, because we have already backed you up with an excellent payment schedule?

 Alongside Surrogacy being a costly procedure, it also encompasses a lot of emotional aspects. You have got all our support in this regard. You don't pay everything in one go; as shown in the table below, there are easy installment options. All the procedures like viral marker tests, routine scans, etc. are very important to keeping your way through surrogacy healthy and prosperous. The overall cost is around ₹18 - ₹20 lakhs, and this open breakdown helps you realize the monetary requirement in tandem with the extensive care and support you would be receiving through the whole process.
 
SUMMARY
Vinsfertility offers financial support through manageable installments of Surrogacy in Mumbai. The total cost is around ₹18-20 lakhs, including tests and routine scans, ensuring a healthy and successful journey.
 

What is the Guaranteed Surrogacy Package in Mumbai

At Vinsfertility, we ensure surrogacy in Mumbai with our guaranteed surrogacy package that will guarantee your dreams of having a family as it includes multiple embryo transfers and extra IVF cycles that will enhance the chances of successful pregnancy. However, the surrogacy process is long and complex, which can feel less burdening if you choose our fertility center for treatment.

We work within a single fixed cost where we include all medical treatments, legal procedures, and surrogate support. This guaranteed surrogacy program is designed to relieve your financial stress. Creating a family with Vinsfertility is like the start of a new beginning because we assure you to give the gift of life and we will be there with you all along. It is a seamless and hopeful process because Vinsfertility believes every family starts with trust and care.

Key features of the Guaranteed Surrogacy program

Multiple Embryo Transfers: Several embryo transfers after IVF means a patient has an opportunity to increase the likelihood of implantation with each transfer.
Additional IVF Cycles: Additional IVF attempts are required when the initial IVF cycle doesn’t work, to achieve a successful pregnancy. 
Surrogate Matching: We provide you with an ideal surrogate who is well-screened and has gone through thorough scans and screenings. 
Complete Testing and Screening: Surrogate health assessments are conducted at an advanced level to reduce further pregnancy-related risks.
Legal Permissions and Protections: Legal procedures along with legal agreements and paperwork are provided and arranged by the clinic itself.
Comprehensive Insurance Coverage: A guaranteed surrogacy program provides all the needed medical treatments and other expenses associated with surrogacy.
Emotional and Psychological Support: Offers counseling to the intended parents as well as the surrogate.
Dedicated Coordinator: An expert is assigned to help and assist you throughout the process.
Financial Transparency and Fixed Pricing: Under this program, we provide you with a fixed cost, with no hidden charges. 
Post-Birth Support: This program provides neonatal care and postpartum care as well.
 

Features	Definition		COST
Multiple IVF Attempts	This program offers more than one chance to conceive by way of IVF, thus offering patients the best possible opportunities for success.		Rs 2,00,000 to Rs 3,50,000 per cycle
Miscarriage Coverage	If a miscarriage does occur, this program still provides further coverage of attempts, along with needed medical care.		Rs 1,00,000 to Rs 2,00,000.
Complete Testing and Screening	If a miscarriage does occur, this program still provides further coverage of attempts, along with needed medical care. There is proper testing and screening of the surrogate and intended parents to ensure a healthy pregnancy.		Female Partner Tests: Rs 25,000 to Rs 50,000
			Male Partner Tests: Rs 10,000 to Rs 20,000
Live Baby Birth Assurance	It gives the chance for a healthy baby to be born with compensation or additional cycles if needed.		Rs10,00,000 to Rs15,00,000
Legal Permissions and Protections	It guarantees legal support through the process with contracts and protection of all parties involved.		Rs 1,50,000 to Rs 2,50,000
Comprehensive Insurance Coverage	The surrogate receives medical and health insurance to guarantee peace of mind during pregnancy.		Rs 50,000 to Rs,00,000
Emotional and Psychological Support	It offers counseling and emotional support services both to the intended parents and the surrogate.		Rs 10,000 to Rs50,000
Dedicated Case Coordinator	A coordinator who would coordinate the process, give personalized support, and ensure seamless communication		Rs 25,000 to Rs50,000
Financial Transparency and Fixed Pricing	No hidden fees, and pricing upfront is transparent. The financial process is as transparent as possible.		Included in the package; ensures no hidden charges.
Post-Birth Support	Post-birth support includes handling the baby and making the transition easier for the intended parents.		Rs 25,000 to Rs50,000
Guaranteed surrogacy program		Rs 17,00,000 to Rs 19,00,000

 
Comprehensive Medical Tests for Female and Male Partners

Surrogacy is a complicated procedure with both psychological and medical components. Both the intended mother and the intended father must undergo thorough medical examinations to increase the likelihood of a successful pregnancy. These tests assess their fertility reproductive health and general health to ensure that both parents are ready for the surrogacy process physically.

1. Medical Tests for Female Intended Parents for Guaranteed Surrogacy Program : In the case of the female intended parent, the tests are mainly concerned with the evaluation of ovarian reserve, the condition of the uterus, hormone levels, and reproductive capability to determine the appropriate method of embryo creation. Comprehensive evaluation to test for communicable diseases and general well-being is equally important in preventing possible adverse effects during pregnancy.
 

2. Medical Tests for Male Intended Parents for Guaranteed Surrogacy Program : The male intended parent has to go through a few semen examinations to assess the quality of sperm, including sperm density, active movement, and the form of the sperm. A genetic screening is also included in the assessment to establish the possibility of any inherited disorders. Moreover, blood investigations for infectious agents are included in the protocol to safeguard the gestational carrier and the child from health-prolonging threats.
 
SUMMARY

Understanding Surrogacy Law in Mumbai

The Surrogacy Law in India makes it clear about transparency that everybody involved in the legal procedure should be duly informed and treated fairly by the respective parties. And it includes provisions for the surrogate's health and welfare, ensuring that she receives full support throughout the pregnancy. Furthermore, it prohibits commercial surrogacy and only allows altruistic ones, where the surrogate receives reimbursements for medical expenses incurred during pregnancy and legal fees.
These changes prove that India is forging a new course in the surrogacy landscape, providing a secure, ethical, and regulated option to help create families and protect the well-being and rights of everyone involved.


Surrogacy laws in Mumbai
 

1. Act: India formulated and implemented legislation on surrogacy with the enactment of the Surrogacy Regulation Act, 2021 as well as Surrogacy Regulation Rules 2022.

• The Act legalizes only altruistic surrogacy which in basic terms allows no compensation or any monetary gain to the surrogate mothers except for the medical and insurance costs which are incurred by the surrogate mother.

2. Eligibility: A couple opting for Surrogacy as an option should be married for 5+ years.

• Couples with a surviving biological child are generally allowed to pursue surrogacy only under exceptional circumstances.

3. Medical Records: The act also provides that there should be some medical reason for undertaking gestational surrogacy by either the couple or both.
4. Registered clinics: The legislation stipulates that no surrogate or surrogate-related activities shall be performed in the country except in registered clinics.
5. Age: The age limit for the intended mother should be 25-50 years, whereas the age limit for the intended father is 26-55 years. 

• The age limit for a surrogate mother is usually fixed in the range of 25-35 years, she should already have at least one child of her own and she has never been pregnant on someone’s behalf before.
• A widowed or divorced woman can pursue surrogacy if she falls into the age category of 35-45 years.

 
The procedure for a widowed or divorced woman to pursue Surrogacy includes
a. First step is going through the legal procedure and attaining the final approval from the state board.
b. Followed by choosing a surrogate followed by a sperm donor.
c. If the intended mother has viable eggs, then the procedure continues with the same or
d. The intended mother can also opt for the option of choosing an egg donor
e. Followed by IVF and embryo implantation inside the surrogate.

6. Indian Citizenship: The new law now permits all Indian citizens residing outside India, including holders of the OCI card to undertake surrogacy in India, removing earlier prohibitions.

Below are mentioned some restrictions under the Surrogacy laws in India

Not eligible to apply for Surrogacy in India	Single women/men, unmarried couples, LGBTQ+, and foreigners not holding Indian citizenship.
Type of Surrogacy	Commercial Surrogacy is no longer practiced in India.
Surrogate’s Obligation	The surrogate must carry the child till the end of the pregnancy fulfilling the terms and conditions of legal contracts between the surrogate and the intended parents.
Single Donor	The use of only one donor gamete is permissible.
Required Genetic Connection	The gamete must come from at least one of the parents, who will contribute to the creation of the embryo. The use of an embryo donor is not permissible.

 
SUMMARY
India's Surrogacy Regulation Act, 2021 and 2022 permit altruistic surrogacy without compensation for surrogate mothers, requiring 5+ years of marriage, exceptional circumstances, one donor gamete, registered clinics, and OCI card holders.