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Based on 2025–2026 average clinic data
Frequently Asked Questions
Everything you need to know about IVF costs in India
The average IVF cost in India ranges from ₹80,000 to ₹2,50,000 per cycle depending on the city, clinic category, and treatment type. With medications and ICSI, a typical all-inclusive cycle costs ₹1,20,000 to ₹2,00,000 at a mid-range clinic. Premium centres in metros like Mumbai and Delhi charge ₹2,00,000 to ₹3,50,000, while Tier-2 cities like Patna and Guwahati offer cycles from ₹70,000.
A standard IVF package typically includes consultation, follicle monitoring, egg retrieval, fertilisation, embryo culture, and embryo transfer. Common exclusions are stimulation medications (₹20,000–₹80,000), ICSI (₹15,000–₹45,000), anaesthesia, embryo freezing, PGT-A genetic testing, and annual storage fees. Always ask for a written, itemised quote before starting treatment.
Guwahati and Patna are among the cheapest, with basic IVF from ₹70,000. Kolkata, Lucknow, Indore, and Bhopal offer cycles from ₹80,000–₹95,000. Government hospitals in most cities provide subsidised IVF at ₹5,000 to ₹30,000 with longer waiting periods. Use the calculator above to compare costs across all 21 cities.
Age is the single biggest cost driver. Women under 35 need standard medication doses (₹20,000–₹30,000). Women 35–40 may need 25–50% more medication. Women over 40 often require donor egg IVF (₹2,00,000–₹4,50,000) or multiple cycles, significantly increasing the total journey cost. Success rates also decline sharply after 35.
IVF with ICSI costs ₹1,10,000 to ₹3,00,000 per cycle in India. ICSI is an additional ₹15,000 to ₹45,000 on top of basic IVF. It is recommended for male factor infertility (low sperm count, poor motility) and is used in the majority of IVF cycles today. Some clinics include ICSI in their base package — always verify.
Most standard health insurance policies in India do not cover IVF. However, some newer corporate plans and specialised fertility insurance products offer partial coverage. A few insurers cover diagnostic tests and pre-IVF procedures. Always check with your provider. Most clinics offer zero-interest EMI over 6–18 months and medical loans through partners like Bajaj Finserv, HDFC, and ICICI.
Donor egg IVF costs ₹1,50,000 to ₹4,50,000 in India, depending on the city and clinic. This includes the donor screening, egg retrieval from the donor, fertilisation with partner’s sperm, and embryo transfer. Donor egg IVF is recommended for women over 40 or those with poor ovarian reserve. Success rates are significantly higher (50–65%) regardless of the recipient’s age.
FET costs ₹25,000 to ₹75,000 per cycle — significantly cheaper than a fresh IVF cycle. This is why freezing surplus embryos (₹10,000–₹35,000 for vitrification) is one of the smartest cost-saving strategies. If your first transfer doesn’t succeed, you can attempt FET at a fraction of fresh IVF cost without repeating stimulation and egg retrieval.
Many couples conceive in the first cycle, especially women under 35. However, it’s realistic to plan for 2–3 cycles. Cumulative success over 3 cycles reaches 65–80% for women under 35 at top clinics. Most clinics offer multi-cycle packages with 10–22% discounts. Use the calculator above to see how multi-cycle costs work with built-in discounts.
Yes. Government hospitals like AIIMS, PGIMER, KGMU, SMS Hospital, and state medical colleges offer IVF at ₹5,000–₹30,000. States like Tamil Nadu, Rajasthan, and Goa have specific fertility subsidy schemes. Ayushman Bharat may cover some ART procedures at select hospitals. Waiting periods range from 3–18 months. Check with your nearest government hospital’s social welfare department for eligibility.
PGT-A (Preimplantation Genetic Testing for Aneuploidies) screens embryos for chromosomal abnormalities before transfer. It costs ₹15,000–₹70,000 depending on the city and number of embryos tested. It’s recommended for women over 35, those with recurrent miscarriages, or repeated IVF failures. It can improve per-transfer success rates and reduce miscarriage risk.
This calculator uses aggregated 2025–2026 pricing data from fertility clinics across 21 Indian cities. It provides a realistic ballpark estimate (±25%) for financial planning. Actual costs depend on your specific diagnosis, medication response, clinic choice, and any unforeseen complications. Always obtain a written, itemised quote from your chosen clinic before committing to treatment.