Question 1

How accurate is this IVF cost calculator?

Accepted Answer

This calculator uses average pricing data from 150+ fertility clinics across India, updated for 2026. Actual costs may vary 10-20% based on specific clinic, your medical condition, and additional procedures needed. For an exact quote, we recommend consulting with 2-3 clinics.

Question 2

What's included in the IVF cost?

Accepted Answer

A standard IVF cycle cost typically includes initial consultation, blood tests & ultrasounds, ovarian stimulation medications, egg retrieval procedure, laboratory fertilization, embryo transfer, and 2-week follow-up. It usually does NOT include pre-IVF tests, genetic testing (PGT), embryo freezing, or multiple cycle attempts.

Question 3

Why does IVF cost vary so much between cities?

Accepted Answer

IVF pricing varies based on city tier, real estate costs, doctor expertise, lab technology level, and local demand. Metro cities like Mumbai and Delhi tend to be 20-40% more expensive than tier-2 cities, but may offer more advanced technology and experienced specialists.

Question 4

Is IVF covered by insurance in India?

Accepted Answer

Most Indian insurance policies do not cover IVF treatment as of 2026. However, some corporate insurance plans and government schemes like Ayushman Bharat may offer partial coverage. We recommend checking with your employer and insurer.

Question 5

What is the success rate of IVF in India?

Accepted Answer

IVF success rates in India range from 30-60% per cycle, depending primarily on the woman's age, cause of infertility, and clinic quality. Women under 35 typically see higher success rates. Many couples achieve pregnancy within 2-3 cycles.

Question 6

How long does one IVF cycle take?

Accepted Answer

A single IVF cycle typically takes 4-6 weeks from start to pregnancy test. This includes 2 weeks of ovarian stimulation, egg retrieval, 3-5 days of embryo development, embryo transfer, and a 2-week waiting period before the pregnancy test.

Question 7

What is the surrogacy law in India 2026?

Accepted Answer

India allows only altruistic surrogacy under the Surrogacy (Regulation) Act, 2021. Only married Indian couples can opt for surrogacy. The surrogate must be a close relative and cannot receive financial compensation beyond medical expenses and insurance. Commercial surrogacy and surrogacy for foreigners is banned.

Question 8

Can I do IVF without my spouse knowing?

Accepted Answer

Indian ART regulations require consent from both partners for IVF treatment. Clinics legally need both partners' signatures on consent forms. Single women (widows and divorcees) can undergo IVF using donor sperm with appropriate documentation.

City	IVF Basic	IVF + ICSI	Surrogacy	Egg Freezing
Delhi NCR	₹1.2-2.5L	₹1.8-3.8L	₹12-25L	₹1-1.9L
Mumbai	₹1.3-2.7L	₹2-4L	₹13-28L	₹1-2L
Bangalore	₹1.2-2.4L	₹1.8-3.6L	₹11-22L	₹0.9-1.7L
Chennai	₹1-2L	₹1.5-3L	₹9-18L	₹0.8-1.5L
Hyderabad	₹1-2L	₹1.5-3L	₹9.5-19L	₹0.8-1.5L
Kolkata	₹0.9-1.8L	₹1.4-2.7L	₹9-17L	₹0.7-1.4L
Pune	₹1.1-2.2L	₹1.7-3.3L	₹10-20L	₹0.9-1.6L
Ahmedabad	₹0.85-1.7L	₹1.3-2.5L	₹8.5-17L	₹0.7-1.3L
Jaipur	₹0.85-1.7L	₹1.3-2.5L	₹8.5-17L	₹0.7-1.3L
Lucknow	₹0.8-1.6L	₹1.2-2.4L	₹8-16L	₹0.6-1.2L
Chandigarh	₹0.9-1.8L	₹1.4-2.7L	₹9-17L	₹0.7-1.4L
Indore	₹0.8-1.6L	₹1.2-2.4L	₹8-16L	₹0.6-1.2L
Kochi	₹0.95-1.9L	₹1.4-2.85L	₹9.5-19L	₹0.75-1.4L
Nagpur	₹0.8-1.6L	₹1.2-2.4L	₹8-16L	₹0.6-1.2L

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IVF Cost in India — City Wise Comparison 2026

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