What Fertility Care Costs in India: Every Stage, Priced and Sourced

If you've been adding up numbers on your phone at midnight, this page is for you. Fertility treatment in India is sold one step at a time, and the bill arrives the same way. Nobody hands you the whole picture at the first visit.

So here it is, in the order you'll meet it. Every figure comes from a clinic or lab that published it, with the date it was published or the date we checked it. Prices were checked on 9 October 2026. These are ranges clinics have put in writing, not quotes. Your clinic should give you its own itemised estimate. Under the ART Act, it must tell you the cost, advantages, disadvantages, and risks of a procedure before you decide, so ask for that information in writing. More on that below.

The short answer

• First fertility consultation: one hospital chain publishes ₹500 to ₹2,000, and some clinics advertise a free first call.

• Two first tests: an AMH test for her and a semen analysis for him come to under ₹5,000 combined at the lab chains we checked.

• One IUI cycle: clinics publish ₹8,000 to ₹25,000, depending on what's bundled in.

• One IVF cycle: per cycle, published ranges mostly sit at ₹1.5 lakh to ₹2.5 lakh, usually excluding medicines and add-ons. With medicines included, one clinic publishes ₹1.8 lakh to ₹3 lakh, which still leaves out pre-cycle tests, freezing, ICSI, embryo testing, donor programmes and any second attempt. One hospital publishes a base fee from ₹90,000.

• Egg freezing: published ranges run from ₹80,000 to ₹2.5 lakh, then ₹15,000 to ₹30,000 every year for storage.

Cost by stage

Live Gracious offers this kind of service, so we're one of the options above. This guide is on our own site; the checklist applies whichever service you choose.

Thinking about egg freezing specifically? Our guide to Egg Freezing in India: Is It Worth It, and What's Actually Involved walks through the process, who it suits, and what the law says.

What's usually not included

The headline number is the procedure. The bill is the procedure plus everything around it. Across the clinics we checked, these are the items most often charged separately:

1. Stimulation medicines, and the hormone support after embryo transfer

2. Tests before an IVF cycle starts

3. For IUI: ovulation medicines, follicle scans, the trigger injection, and consult fees

4. Embryo freezing, and storage every year after that

5. Embryo genetic testing, surgical sperm retrieval, and donor programmes

The other cost that never appears on a single quote is the second attempt. Delhi IVF advises planning IVF finances across two to three cycles. Iswarya suggests budgeting for three IUI cycles. Insurance cover for infertility treatment is limited, so don't assume it's covered: check your policy wording first. Some corporate group policies now partially cover fertility tests and treatment, so check yours.

What this means for you: ask for the quote as a list of line items, not a single number.

Why prices differ by city and clinic

Some of the difference is geography. Miracles publishes IVF at ₹2 lakh to ₹3.5 lakh in Mumbai, ₹1.2 lakh to ₹2.5 lakh in Chennai, and ₹80,000 to ₹1.8 lakh in tier-2 cities. Delhi IVF argues the headline cost is broadly similar across metros, and that the real difference is what you get for it. Two clinics, two readings of the same market. We're showing you both.

Some of it is packaging. One clinic's ₹1.5 lakh includes medicines and another's doesn't, so the cheaper quote can be the more expensive cycle.

Some of it is your own body. How you respond to stimulation decides how many days of injections you need. That's why the medicine line varies more than any other.

And some of it is just the city you test in. The same semen analysis, booked on the same platform, is ₹325 in New Delhi and ₹1,120 in Bengaluru. It's the cheapest line in this whole table, and it still more than triples from one city to the other.

Add-ons worth questioning

None of these are wrong. Each has a reason to exist, and each deserves a reason for you. Before you agree to one, ask what it's for in your case and what happens if you skip it.

• ICSI: often advised when sperm quality is a concern. Ask whether your semen results call for it, and whether the quote is for IVF alone or IVF with ICSI.

• Embryo genetic testing (PGT-A): priced per embryo at some clinics, so the total grows with every embryo tested.

• Double insemination in IUI: Iswarya notes the evidence for a benefit is limited, and it roughly doubles the procedure charge.

• Mock embryo transfer: ask whether it's routine at that clinic or recommended for you specifically.

• Embryo freezing: this one can save money if a second attempt is needed. Ask what storage costs every year after the first.

Questions to ask so there are no surprises

The ART (Regulation) Act, 2021 requires clinics to tell you the advantages, disadvantages, and cost of procedures before you decide (Section 21). Asking these questions is using a right you already have.

1. Is this quote per cycle or a package, and what exactly is inside it?

2. Are medicines included? Which ones, and up to what dose?

3. How many scans are included, and what does an extra one cost?

4. Are pre-cycle tests and the consult fee separate?

5. What happens to the cost if I respond slowly or need a longer protocol?

6. If embryos or eggs are frozen, what is the yearly storage fee? When is the first renewal, and what happens if I stop paying?

7. The Act caps storage of donor gametes and embryos at ten years (Section 28). How does the clinic handle storage and renewal for me, and does any exception apply? The ART Rules allow storage of eggs or sperm beyond ten years for cancer patients and certain other conditions, with National Board permission.

8. Is there a multi-cycle rate, and is any of it refundable if I stop?

9. Can I have all of this in writing before I pay?

Where our consult fee sits

Our online consult starts from 999 INR for 3 consultation with Care Team that comprises of Care Coordinator, Ob-gynae, Emotional Wellness Coach/Nutritionist. It appears in the consultation line of the table above, with the same detail as every other option. It doesn't replace the tests, scans, or procedures in stages 2 to 8. If you want to use it, https://grace.livegracious.in/my-consultation