IVF Cost in India 2026: Complete Price Breakdown
Compare Prices, Top Clinics in Delhi-NCR, Financing Options & Success Rates
Per Cycle
Top Clinics
vs. USA/UK
Annually in India
Complete IVF Cost Breakdown 2026
Detailed component-wise pricing for IVF treatment in India
| Treatment Component | Cost Range (INR) | Details |
|---|---|---|
| Initial Consultation | ₹1,800 – ₹5,500 | First meeting with fertility specialist, medical history review and preliminary advice |
| Fertility Tests (Diagnostic) | ₹16,000 – ₹35,000 | Blood tests (AMH, FSH, LH), ultrasound scans, semen analysis, HSG for tubal patency |
| Ovarian Stimulation Medications | ₹35,000 – ₹1,00,000 | Hormone injections (gonadotropins) to stimulate multiple egg production. Cost varies based on dosage and duration |
| Monitoring (Ultrasounds & Blood Tests) | Usually included | Regular scans and blood tests during stimulation to track follicle growth and hormone levels |
| Egg Retrieval Procedure | ₹28,000 – ₹50,000 | Minor surgical procedure under sedation to collect eggs from ovaries |
| Laboratory Fertilization & Embryo Culture | ₹22,000 – ₹45,000 | Combining eggs and sperm in lab, culturing embryos for 3-5 days in controlled environment |
| Embryo Transfer | ₹18,000 – ₹35,000 | Final step of transferring selected embryos into the uterus for implantation |
| Total Basic IVF Cost (Per Cycle) | ₹1,30,000 – ₹2,80,000 | Complete IVF cycle using couple's own gametes without additional procedures |
Additional Procedures & Costs (2026)
-
ICSI (Intracytoplasmic Sperm Injection):
+₹30,000 – ₹70,000
For male infertility or previous fertilization failures
-
Frozen Embryo Transfer (FET):
₹40,000 – ₹80,000
Using embryos frozen from previous cycle (plus annual storage fees)
-
Donor Eggs:
₹60,000 – ₹1,40,000
For donor compensation and screening (excluding IVF cycle cost)
-
PGT-A (Genetic Testing):
₹1,10,000 – ₹2,00,000
Screens embryos for chromosomal abnormalities (per batch)
-
Donor Sperm:
₹10,000 – ₹25,000
For donor compensation and screening
-
Laser-Assisted Hatching:
₹12,000 – ₹25,000
Helps embryos implant in the uterus
IVF Cost Comparison: Delhi-NCR vs Other Cities
City-wise price variations across major Indian metros for 2026
| City | Basic IVF Cost (INR) | Premium Clinic Cost (INR) | Success Rate Range |
|---|---|---|---|
| Delhi-NCR | ₹1,40,000 – ₹2,80,000 | ₹2,80,000 – ₹4,50,000 | 40-65% |
| Mumbai | ₹1,50,000 – ₹3,00,000 | ₹3,00,000 – ₹4,80,000 | 42-68% |
| Bangalore | ₹1,30,000 – ₹2,50,000 | ₹2,50,000 – ₹4,00,000 | 38-62% |
| Chennai | ₹1,20,000 – ₹2,30,000 | ₹2,20,000 – ₹3,80,000 | 35-60% |
| Hyderabad | ₹1,10,000 – ₹2,00,000 | ₹2,00,000 – ₹3,50,000 | 37-58% |
| Kolkata | ₹1,10,000 – ₹2,30,000 | ₹2,00,000 – ₹3,50,000 | 33-55% |
| Pune | ₹1,20,000 – ₹2,40,000 | ₹2,20,000 – ₹3,80,000 | 36-59% |
International Cost Comparison (2026)
70-85% Cost Savings in India Compared to Western Countries
Top IVF Clinics in Delhi-NCR (2026)
Best IVF centers with high success rates and transparent pricing
SheIVF Fertility Center
Locations: Delhi & Gurugram
Basic IVF Cost: ₹1,60,000 – ₹2,50,000
Success Rate: 45-68% (age-dependent)
Specialties: Advanced embryology labs, dedicated NRI services, high success rates for PCOS cases
Ridge IVF
Locations: Delhi & Gurugram
Basic IVF Cost: ₹1,80,000 – ₹2,80,000
Success Rate: 42-65% (age-dependent)
Specialties: Advanced genetic screening, state-of-the-art labs, comprehensive NRI packages
Srijan Clinic
Location: Delhi
Basic IVF Cost: ₹1,60,000 – ₹2,40,000
Success Rate: 40-62% (age-dependent)
Specialties: Excellent success rates for PCOS cases, competitive pricing, good patient reviews
Indira IVF
Locations: Multiple across Delhi-NCR
Basic IVF Cost: ₹1,50,000 – ₹2,50,000
Success Rate: 38-60% (age-dependent)
Specialties: Pan-India presence, comprehensive packages, transparent pricing
IVF Success Rates & Cost-Effectiveness (2026)
| Age Group (Female Partner) | Success Rate per Cycle | Recommended Cycles (Estimated) | Total Expected Cost (INR) |
|---|---|---|---|
| Under 35 years | 55-68% | 1-2 cycles | ₹1.5 – ₹4.5 lakhs |
| 35-37 years | 48-58% | 1-3 cycles | ₹2 – ₹6 lakhs |
| 38-40 years | 38-48% | 2-4 cycles | ₹3 – ₹8 lakhs |
| Over 40 years | 22-35% | 3+ cycles | ₹4.5+ lakhs |
| Over 40 with Donor Eggs | 50-70% | 1-2 cycles | ₹3.0 – ₹5.5 lakhs |
IVF for NRIs (2026 Update)
Complete guide for Non-Resident Indians seeking IVF treatment in India
Why NRIs Choose India for IVF?
- 70-85% Cost Savings: Compared to USA, UK, Australia, or Canada
- No Waiting Lists: Immediate consultations and treatment cycles
- World-Class Facilities: Advanced technology and experienced embryology labs
- English-Speaking Specialists: Clear communication with medical teams
- High Success Rates: Comparable to international standards
- Cultural Comfort: Familiar environment and customs
- Complete Packages: Including accommodation and local transport
- Direct Flights: Easy accessibility from major global cities
Legal Requirements for NRIs (2026)
- Indian Citizenship/OCI Card: IVF services primarily for Indian citizens
- Valid Passports: Essential for identification and travel
- Marriage Certificate: Required for married couples
- Medical Records: Previous diagnostic reports and treatment summaries
- Consent Forms: Signed by both partners
- Age Limits: Female (21-50 years), Male (21-55 years) as per ART Act
Typical NRI Package (2026)
₹4,50,000 – ₹8,00,000
Estimated for 2 complete IVF cycles
- Multiple IVF procedures (2 cycles)
- Accommodation assistance (7-14 days)
- Local transportation support
- Dedicated NRI coordinator services
- Extended consultation and follow-up support
- Airport transfers and logistical support
IVF Cost Savings Tips (2026)
Strategies to reduce your IVF expenses without compromising quality
Compare Multiple Clinics
Get detailed quotes from 3-5 clinics and compare inclusions/exclusions
Package Deals
Inquire about bundled packages for multiple cycles (more cost-effective)
Government Hospitals
AIIMS, Safdarjung offer IVF at ₹60,000-₹1,00,000 (longer wait lists)
Insurance Coverage
Check corporate health plans (some offer partial IVF coverage)
Refund Programs
Some clinics offer money-back guarantees if pregnancy not achieved
Generic Medications
Discuss generic versions of fertility drugs (significantly cheaper)
Frequently Asked Questions about IVF Costs
Get answers to common questions about IVF pricing in India
Answer: Generally, no. Most traditional retail health insurance plans in India do not cover IVF as it's categorized as an "elective" procedure. However, there's a growing trend:
- Corporate health plans sometimes offer partial coverage
- Specific add-on riders from insurers like Care Health Insurance ("Care Classic" plan) offer coverage after waiting period (e.g., 36 months)
- Progressive companies are increasingly including fertility treatment benefits
Always check the fine print of your policy and contact your provider directly.
Answer: The cheapest options are at government hospitals:
- AIIMS Delhi: ₹60,000 – ₹1,00,000 per cycle
- Safdarjung Hospital Delhi: ₹50,000 – ₹90,000 per cycle
- Lok Nayak Hospital Delhi: ₹55,000 – ₹95,000 per cycle
Answer: Reputable clinics are transparent, but always ask for an itemized cost breakdown. Potential additional costs include:
- Anesthesia fees during egg retrieval
- Initial diagnostic tests and consultations (often separate from package)
- Specific medications (prices can fluctuate)
- Embryo freezing and annual storage fees
- Advanced procedures like PGT, Laser-Assisted Hatching, Embryo Glue if not included
- Surgical sperm retrieval (PESA/TESA/Micro-TESE)
- Follow-up appointments or pregnancy tests
Answer: Direct negotiation on basic cycle cost is often limited at established clinics. However, you might find discounts for:
- Upfront full payment (5-10% discount possible)
- Multi-cycle packages (bundled pricing)
- Off-season treatment (certain months)
- Loyalty discounts for repeat patients
- Some smaller clinics might have more flexibility
Always ask politely about available discounts or promotional offers.
Answer: IVF with donor eggs in India typically ranges from ₹3,00,000 – ₹5,00,000. This includes:
- Donor compensation and screening
- Donor medications and monitoring
- Egg retrieval procedure
- Fertilization and embryo culture
- Embryo transfer
- Basic IVF cycle procedures
Additional costs may include:
- Legal fees for parentage order: ₹50,000-1,00,000
- PGT-A testing (optional): ₹1,00,000-1,80,000
- Embryo freezing and storage: ₹15,000-30,000/year
Answer: Several financing options can ease the financial burden:
- Medical Loans: Bajaj Finserv, HDFC Bank (12-18% interest rates)
- Clinic EMI/Payment Plans: Interest-free or low-interest installments
- Government Schemes: State initiatives in Tamil Nadu, Rajasthan, Goa (check eligibility)
- Corporate Health Plans: Some employers include partial IVF coverage
- Credit Cards: With EMI conversion options
- Personal Loans: From banks or financial institutions
Future IVF Cost Trends in India
What to expect in the coming years for IVF pricing
Expected Trends for 2026-2027
Moderate Price Increase
5-8% annual increase due to advanced technology adoption, higher medication costs, and increased demand
Affordable Options Emerging
Expansion of low-cost IVF chains, more generic fertility drugs, and government initiatives
Conclusion: Is IVF Worth the Investment?
While IVF represents a significant financial investment, India's ability to provide world-class treatment at a fraction of global prices makes it an unparalleled choice for couples and individuals worldwide.
The emotional and personal returns of achieving parenthood are immeasurable, making the financial outlay a deeply worthwhile expenditure for many.
"The cost of IVF is temporary, but the joy of parenthood is truly priceless."
Your Next Steps on the IVF Journey:
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Why Get IVF Cost Consultation from SheIVF?
- Transparent Pricing: No hidden costs, complete breakdown
- Personalized Estimates: Based on your specific situation
- Financing Guidance: EMI options, insurance, loan assistance
- Clinic Comparisons: Help choosing the right center
- NRI Support: Complete packages with accommodation
- Success Rate Analysis: Cost-effectiveness based on your age