Surrogacy Cost in Mumbai (2026) – Complete Price Breakdown & Legal Guide

Surrogacy Cost in Mumbai – Detailed Breakdown, Affordable Options & Legal Process

Surrogacy has evolved into an important and medically sophisticated way for couples to become parents. With rapid advancements in reproductive healthcare, aspiring parents can now access reliable and well-structured fertility treatments across major Indian cities. Mumbai, often known as India’s healthcare and medical innovation capital, is among the most sought-after destinations for advanced fertility and surrogacy treatments due to its world-class hospitals, highly skilled IVF specialists, and modern medical infrastructure.

If you are planning to begin this journey, one of the biggest concerns couples face is understanding the Surrogacy Cost in Mumbai. The total expense can vary depending on several factors, including the number of IVF cycles required, surrogate medical care, hospital facilities, medications, and necessary legal procedures. Since surrogacy in India is regulated under strict legal guidelines, fertility clinics in Mumbai now follow transparent and ethical treatment practices, ensuring safety and legal protection for both intended parents and surrogate mothers.

Although Mumbai is considered a premium metropolitan city, many fertility centres offer structured treatment packages that clearly outline medical and legal expenses. Understanding the complete cost breakdown helps couples plan their finances confidently while choosing a trusted fertility clinic that provides high-quality medical care, emotional support, and a smooth surrogacy journey from the first consultation to the final delivery.

How can you define surrogacy?

Surrogacy is a process in which the woman, also known by the name mother gives birth to the baby of a different. It’s someone else or a couple who wants to have an infant. They are referred to as”the parents to be. The child is linked by blood to one (or both) parents in surrogacy. Surrogate mothers are the ones who carry the baby. After birth, she delivers the child to the parents to be the intended parents.

Is surrogacy legal in Mumbai?

The Surrogacy Act of 2021 this practice is now legally recognised in Mumbai. Surrogacy Act 2021 Surrogacy Act 2021 is an Indian law that sets out guidelines for couples and surrogates who take part in surrogacy. The law says commercial surrogacy as well traditional surrogacy are prohibited. The only surrogacy that is truly altruistic are allowed to utilize surrogacy. This is an excellent option for married indian couples who are not able to conceive.

Surrogacy that is altruistic means which means that the surrogate mother will be a close relative with the parents of the children who are to be conceived and there is no compensation to the surrogate mother. The sole medical cost and treatment fees will be paid by the parents that are accountable.

The duration of the altruistic process of surrogacy is between 12-18 months. Surrogacy provides the possibility of a child to couples but at the same time it protects the integrity and health of the individual who is the surrogate. It helps to stop the exploitation of surrogate moms. Surrogacy is only available to those willing to aid couples.

What’s the benefit of surrogacy Act 2021?

Three major goals form part of Surrogacy Law 2021. The law protects the surrogate from being used for profit. The law prevents the surrogate from losing autonomy, dignity, and health. The law stipulates the rules and guidelines for hospitals and clinics must adhere to and ensure ethical standards. In addition, the law restricts commercial surrogacy. The selling or purchasing of surrogacy products to earn money is unlawful in India.

Who is able to undergo surrogacy procedures in Mumbai?

Surrogacy procedures in Mumbai are governed by India’s current surrogacy laws, which aim to ensure ethical practices and protect both intended parents and surrogate mothers. Because of these regulations, not everyone can opt for surrogacy. Only couples who meet specific medical and legal criteria are allowed to proceed.

Here’s a simple breakdown of who is eligible:

1. Legally Married Indian Couples

Only heterosexual married couples who are Indian citizens are eligible for surrogacy treatment.

• The couple must be legally married.
• Typically, the marriage should be at least 5 years old (as per regulatory guidelines).
• Proof of marriage is required during legal documentation.

2. Age Criteria for Intended Parents

The law specifies an age range to ensure medical and social stability:

• Female partner: usually between 23 and 50 years
• Male partner: usually between 26 and 55 years

(Exact eligibility may be verified by the clinic during evaluation.)

3. Medical Proof of Infertility

Surrogacy is allowed only when there is a genuine medical need. Couples must provide medical certification showing:

• Inability to conceive naturally, or
• Repeated IVF failure, or
• Medical conditions where pregnancy may risk the woman’s life, or
• Absence or medical dysfunction of the uterus.

A registered fertility specialist must confirm this condition.

4. Couples Without a Living Biological Child

Generally, intended parents should not have a living biological or adopted child, except in special cases where the existing child has a serious medical condition or disability (subject to approval).

5. Eligibility of the Surrogate Mother

Although clinics usually help guide the process, the surrogate must also meet strict conditions:

• Must be a married woman with at least one healthy child of her own.
• Should fall within approved age limits (commonly 25–35 years).
• Must be medically and psychologically fit.
• Can act as a surrogate only once in her lifetime.
  

6. Legal Approval Is Mandatory

Before starting treatment in Mumbai:

• The couple must obtain certificates of eligibility and essentiality from the appropriate authorities.
• Legal agreements and medical approvals must be completed through registered clinics.

Legal Procedure for Surrogacy in Mumbai

Surrogacy legally legal in Mumbai by way of step, as explained in Select Surrogacy India, takes between 11-18 months for both domestic and international patients. We provide specialised plans specifically for international patients and also offer plans specifically designed for patients in the country.

First, we need to talk about how we can help our clients from United States and abroad. The step-by-step process for surrogacy is illustrated with a chart to aid in understanding:

The procedure of surrogacy for domestic patients	Domestic patients for surrogacy in Mumbai	The procedure of surrogacy for International Patients	International patients for surrogacy in Mumbai
Consultation	Discussion of causes of infertility, the success rate of surrogacy, cost and other essential things with domestic patients.	Contact a clinic & get a consultation	Reach out to a reputable clinic in Mumbai, such as Select Surroacy India. Get a consultation by phone to discuss your medical history and suitable treatment options.
Ovarian stimulation	Providing hormonal injections to women or egg donors to produce eggs	Initial consultation	Schedule an initial consultation with the surrogacy specialist to discuss essential things such as the medical history, costs, success rate, etc.
Egg retrieval	Eggs are harvested from the uterus of the woman using a catheter	Application for a medical visa	Get a medical visa from India; this thing typically requires documentation.
Sperm collection	Sperms are gathered from the male partner	Testing	Tests advised by fertility doctors, such as blood tests, semen analysis, and other procedures.
Fertilization	Eggs and sperm are combined together on the laboratory dish to form an embryo	Ovarian stimulation	Providing hormonal injections to women or egg donors to produce eggs
Embryo transfer	The embryo formed through fertilization is placed into the uterus of the woman	Egg retrieval	Eggs are harvested from the uterus of the woman using a catheter
Pregnancy check	After 12 days, a blood test is performed to check the results of the embryo transfer	Sperm collection and fertilization	Sperms are gathered from the male partner & Eggs and sperm are combined together in a laboratory dish to form an embryo
		Embryo transfer & pregnancy check	The embryo formed through fertilisation is placed into the uterus of the woman & After 12 days, a blood test is performed to check the results of the embryo transfer.

Surrogacy Cost in Mumbai

Being a parent is among life’s most romantic dreams. And for couples struggling with infertility, surrogacy is now an effective and safe way to become parents. Mumbai is considered to be India’s medical and medical innovation center that offers top fertility treatments backed by skilled IVF experts, cutting-edge labs and the most modern maternity services. Many potential parents are currently researching the costs of having a surrogate and Mumbai to discover the best way to begin the emotional, but well-planned adventure with a sense of security.

The cost of a surrogacy in Mumbai generally varies between between Rs13,00,000 and R22,00,000 in accordance with the medical requirements of the intended parents, the knowledge of the clinic and the complexity of the treatment. Surrogacy charges in Mumbai according to Indian regulations. Clinics follow ethical and transparent practices to ensure safety for the surrogate mother and parents who are intended to be. The fundamental surrogacy costs in Mumbai usually cover IVF treatments, medical treatment, medication and monitoring of pregnancy costs for delivery, as well as the legal documents required by law.

But, each surrogacy experience is different. If more IVF cycles are needed or medical assistance is required, the overall cost can be increased. In certain instances, additional expenses could include donor programs or advanced medical monitoring or other variations related to delivery, such as C-section procedures. The reputed fertility centers clearly outline these details prior to the time so that couples are able to plan their journey with no anxiety or confusion.

The table reveals the surrogacy costs in different regions of Mumbai:

Areas of Mumbai	Surrogacy cost (INR)
Surrogacy cost in Navi Mumbai	12,00,000 to 22,00,000
Surrogacy cost in Bandra	10,00,000 to 20,00,000
Surrogacy cost in Andheri	15,00,000 to 22,00,000
Surrogacy cost in Panvel	11,00,000 to 21,00,000
Surrogacy cost in Kharghar	14,00,000 to 17,00,000
Surrogacy cost in Jogeshwari	15,00,000 to 18,00,000

City-Wise Surrogacy Cost in India

The following will help you to understand the Surrogacy cost city-wise in india: 

States of India	Surrogacy cost city-wise
Surrogacy cost in Chennai	12 to 20 lakh
Surrogacy cost in Hyderabad	12 to 18 lakh
Surrogacy cost in Bangalore	14 to 20 lakh
Surrogacy cost in Delhi	13.4 to 23.7 lakh
Surrogacy cost in Mumbai	14.65 to 24 lakh
Surrogacy cost in Punjab	10.08 to 20 lakh
Surrogacy cost in Haryana	12.64 to 20 lakh
Surrogacy cost in Rajasthan	15.9 to 20 lakh
Surrogacy cost in Uttar Pradesh	14 to 21 lakh
Surrogacy cost in Madhya Pradesh	14 to 20.02 lakh
Surrogacy cost in Dehradun	14.91 to 20 lakh
Surrogacy cost in Bihar	13.5 to 20 lakh
Surrogacy cost in Jharkhand	14 to 20 lakh
Surrogacy cost in Assam	12 to 18 lakh
Surrogacy cost in Gujarat	14 to 20.8 lakh
Surrogacy cost in Tamil Nadu	14.47 to 23 lakh
Surrogacy cost in Andhra Pradesh	14 to 20 lakh
Surrogacy cost in Himachal Pradesh	14.06 to 20.62 lakh

Cost breakdown of surrogacy in Mumbai

Let’s look at the elements of a cost-effective surrogacy service in Mumbai:

The medical expenses related to the IVF method, the creation of an embryo, transfer of embryos and the birth of the child are included as medical expenses for Surrogacy within Mumbai. Medical expenses are about INR 150,000 to INR 3,50,000.

The surrogate mother is compensated: The surrogate mother is compensated for carrying the child in her womb. This includes the surrogate’s taking care of her clothing, housing as well as nutritional diets. The cost of a surrogate mother in Mumbai is between INR 4,00,000 – INR 5,00,000.

Legal requirements: These include documents, contracts Nocs, and approval from the court. In total, it can take between INR 1,00,000.

Baby care and delivery: The hospitalization includes and delivery type (normal delivery or C-section delivery) as well as NICU care when needed. Deliveries and costs can be as high as INR 50000.

The table below helps you know about the costs for surrogacy Mumbai:

Surrogacy program with expenses	Surrogacy cost in Mumbai
Surrogate Mother Cost in Mumbai	Up to 8 lakh
IVF & Embryo Transfer Cost in Mumbai	Up to 3 lakh
Surrogate Mother Selection+ Blood Tests+Surrogate Mother Preparation Cost in Mumbai	Up to 1 lakh
Normal Vaginal Delivery Cost in Mumbai	Up to 30K
Cesarean Section or C-section Delivery Cost in Mumbai	1 to 2 lakh
Housing for Surrogate Mother + Fooding Cost in Mumbai	Up to 3 lakh
Caretaker+Cook+Maid for Surrogate Mother	Up to 80K
Surrogate Mother Post-Pregnancy Protein & Medication	Up to 30K
Legal Cost of Surrogacy in Mumbai	Up to 40K
Surrogate Mother Post Embryo Transfer Medications to prepare the uterus	Up to 30K
Donor Workup charges	Up to 40K
Post-Preg Care/Scans+Taxi+care allowance	Up to 5K
Embryo Storage & freezing for 6 months charges	Up to 5K
Local Caretaker & Surrogate Mother supplier commission	Up to 1 lakh

These tests also cost some amount of money, as described in the form of a table:

Surrogacy Tests in Mumbai	Cost of Surrogacy Tests in Mumbai
Semen analysis cost in Mumbai	Up to 1400
Ovarian reserve testing cost in Mumbai	Up to 5000
Hormonal test cost in Mumbai	Up to 6100
Infectious Disease Screening Cost in Mumbai	Up to 7100
Uterine and cervical health assessment cost in Mumbai	Up to 5500
Psychological evaluation cost in Mumbai	Up to 7000

Factors affecting the Surrogacy Cost in Mumbai

A variety of factors affect the cost of surrogacy in Mumbai. These aspects are briefly explained in the following paragraphs to assist you comprehend the costs associated with surrogacy in Mumbai:

Fertility Hospital Clinic

Cost for surrogacy in Mumbai will vary based upon the facility you choose. If you choose an institution equipped with top laboratories and most recent equipment, as well as demonstrated track record of success and a track record of success, they’ll cost more. This is because they’re superior to clinics that do not have the same expertise. Surrogacy prices in India at these clinics is greater because they’re capable of performing better.

Experience of doctors and specialists

Specialists in fertility who are experts in their field and who have studied in other countries or attended prestigious universities charge more to provide their expertise. Furthermore they are experienced that means they have a greater chance of achieving the outcomes they want. This is the reason why the whole process is expensive. Fertility specialists with years of expertise and expertise are the ones who can help. Treatment costs are affected by how experienced the fertility specialists are.

Diagnostic Screening for Medical Conditions and Tests

Before beginning the process of having a child parents hoping to be able to have a child being the surrogate mom must go through a series of tests. They must undergo blood tests and assess the levels of hormones. Additionally, they require ultrasounds and tests for any illnesses they might have contracted. The process of conception and the medical tests are that it is expensive for the parents to be conceived and the surrogate mother.

Lab Procedures and IVF

The baby is beginning to develop in a laboratory. The lab employs effective methods to aid the baby in developing. They observe the rules in the lab and make use of most recent technology. This allows children to develop. Additionally, the cost of surrogacy increase. Surrogacy charges are more costly due to the use of a laboratory and the most advanced technology used to produce embryos.

Injections of Hormone and Medication

The body requires medication to aid in the production of eggs and to prepare their uterus to allow for an embryo’s birth baby. The majority of these medications are manufactured in other countries, which makes them costly and a huge expense to treat hormonal issues that are related to egg production as well as making the uterus ready to allow for embryo transfer using hormone-based drugs.

Quantity of IVF Cycles Needed

If you are required to conduct more than an IVF cycle and the cost of surrogacy will go up. If the first one is successful out, it will assist by reducing how much that you have to pay for surrogacy.

Surrogate-related Expenses

India permits people to become surrogates but only if they are doing it to aid another person

The people who want to have children should cover the costs of their surrogate. They should also be able to cover the expenses the surrogate needs to carry the child. This includes food along with other items that relate to pregnancy.

The people who want to be parents must pay for all expenses associated with motherhood.

Medical History of Surrogate

The surrogate mother must be emotionally, physically or medically healthy. The surrogate’s age must be between 25-35 years old, and healthy and free from any diseases such as uterine disease. She shouldn’t smoke or drinker or smoke tobacco.

The Legal Costs and the Documentation Fees

Legal permits contracts, permits and other official documents are needed. The process can take long time and may require the help of lawyers and could lead to a greater cost.

Egg Donor Requirements

If there is a requirement to have egg donors in order to carry surrogate eggs, this could impact the cost of surrogacy in  Mumbai. In general, egg donors are required in instances where the quality of the eggs produced by the intended mother isn’t sufficient to increase the odds of surrogacy success. In these cases, eggs are donated by a donor.

Why choose Mumbai to be a Surrogacy Center?

Mumbai is now one of the most sought-after destinations in India for surrogacy thanks to its modern health system, highly skilled fertility experts, and a highly-regulated medical system. For prospective parents who want secure, transparent and superior treatment the city provides the best of both quality medical treatment and well-organized care throughout the entire process.

1. World-Class Medical Infrastructure

Mumbai hosts some of most modern fertility clinics as well as maternity hospitals. Modern IVF labs, the most advanced embryo technologies, and high-quality neonatal care can improve the chances of success and ensure that both baby and surrogate receive the highest quality medical care.

2. Highly Expert IVF Specialists

The city has a plethora of top fertility experts, embryologists and reproductive specialists who have many years of experience handling difficult cases of infertility. Their expertise plays a crucial part in achieving positive outcomes while ensuring safe medical practices.

3. Transparent and legal treatment process

Surrogacy procedures in Mumbai strictly adhere to Indian legal guidelines. Clinics offer clear instructions regarding documentation, eligibility, and approvals. This helps prospective parents comprehend the legal cost of surrogacy. Mumbai clinics provide without any ambiguity or hidden fees.

4. Comprehensive Care Under One Roof

From fertility tests and IVF treatment to monitoring of pregnancy and even delivery, all of these services are provided by one health system. This approach is more coordinated and eases the process for couples who come from different areas of India.

5. Advanced Neonatal and Pregnancy Treatment

Mumbai hospitals have modern maternity units as well as NICU facilities that ensure the best care for pregnant women and a safe birth. This level of readiness provides parents with additional security throughout the surrogacy procedure.

6. Transparent and Structured Pricing Packages

Despite being a top city, many fertility centers offer clear treatment plans that explain the cost of surrogacy in Mumbai in the beginning. These standardized packages assist couples to understand the total cost of a surrogacy in Mumbai which makes the financial planning process easier and more precise.

7. Accessibility and Balance of Quality

Although medical standards are still extremely high, many clinics are focusing on providing low-cost surrogacy services in Mumbai by offering flexible payment options as well as customized treatment plans. The balance between quality treatment and transparency make Mumbai an ideal choice for numerous families.

What is the success rate for Surrogacy in Mumbai?

Surrogacy success rates Mumbai is determined by many aspects, such as how old the surrogate and if they are younger in age, then the chance of success increases. the experience of the specialist and doctor when the doctor is educated with the necessary skills and a large quantity of experience leads to an extremely high rate of success, a large amount of IVF attempts, improved quality IVF and a higher number of IVF attempts results in a high rate of success. Furthermore, positive outcomes in surrogate screening guarantee an excellent rate of success. Therefore, the rate of success for surrogacy in Mumbai is between 80 and 98 95%.

Surrogacy treatment in Mumbai	Surrogacy success rate Mumbai
Surrogacy with self-eggs	50 to 90%
Surrogacy with self-sperm	55 to 80%
Surrogacy with donor eggs	70 to 95%
Surrogacy with donor sperm	73 to 97%
Surrogacy with FET	60 to 65%
Surrogacy with ICSI	50 to 65%

Why Select Surrogacy India is a Trusted Choice?

1. Ethical & Legal Compliance

We strictly adhere to the laws governing surrogacy, which means we comply with what Indian surrogacy laws require. These Indian Surrogacy Laws are important to us.

We will ensure that we follow the laws governing surrogacy.

The Indian laws on surrogacy allow us to in the correct way to do things.

We constantly examine our knowledge of Indian surrogacy laws to make sure everything is legal.

• Proper documentation
• Legal parental security
• Protection for surrogate moms in full
• Zero exploitation

2. High Success Rates

We cooperate with IVF centers as well as expert embryologists. This allows us to get excellent results. In reality, we have a success rate of over 70 percent. This is due to the fact that we take into consideration the individual factors that affect each client who seeks us for assistance with IVF. Medical factors are crucial in the process of IVF. This is the reason our success rates could be more than 70% thanks to the most effective IVF centers and experienced embryologists.

3. End-to-End Support and Care

From the moment you see us until the time you can hold your baby, we are there to take care of all things that is related to your child. We take care of everything that concern your child.

• Medical coordination
• Legal procedures
• Surrogate match
• Pregnancy monitoring
• Delivery arrangements

4. Transparency & Trust

We don’t have an extra cost. We do not offer any guarantees to our clients. The employees who work with us are aware of what’s going on at every turn of the way since every step is clearly explained.

5. Personalised Care

Every family has a story to tell. We create plans for surrogacy that are only for you, your loved ones. The plans are based on the things you require for your health, as well as how you. How much you are able to afford. We take into consideration your requirements as well as your emotional needs, and your financial requirements when we design these plans for surrogacy.

This comprehensive method creates Select Surrogacy India, the undisputed Best Surrogacy Centre in Mumbai.

Conclusion

Knowing the costs associated with having a surrogate within Mumbai is an important element for couples who are planning their journey towards becoming parents through assisted reproductive therapy. Although costs can vary based on medical conditions and fertility cycles and surrogate treatment and legal procedures, Mumbai continues to be one of the most reputable cities for safe and modern surrogacy procedures. Mumbai offers world-class medical expertise modern fertility technology, as well as open treatment procedures, ensuring the most secure and guided experience for the intended parents.

While Mumbai is regarded as a top destination for healthcare Many clinics are now offering clear and structured packages that clearly outline the surrogacy cost in Mumbai as well as the overall surrogacy costs for Mumbai. With strict regulations in the law and ethical medical practices and a comprehensive service from conception to delivery, couples are able to confidently proceed knowing that their journey is safe, monitored and professionally managed. Selecting the best fertility center in Mumbai can ensure an affordable and cost-effective surrogacy process in Mumbai feasible while ensuring high standards in medical treatment and emotional support throughout the entire process.

FAQs (Frequently Asked Questions)