In vitro fertilization (IVF) has become a widely accessible fertility treatment in Mumbai, with numerous reputed clinics offering advanced technology and expert care. As demand grows in 2025, the city continues to be a hub for couples seeking reliable and effective IVF solutions.
IVF costs in Mumbai, however, can vary based on the clinic, treatment approach, and additional procedures involved. In this blog, we break down the current expenses, key cost factors, and top clinics offering competitive packages to help you plan your journey confidently.
What is the Cost of IVF in Mumbai?
The cost of IVF in Mumbai typically starts from ₹1,00,000 and can go upwards depending on the treatment’s complexity. This basic fee covers consultations, egg retrieval, embryo transfer, and medications. However, other advanced treatments and added services can lead to a higher final cost.
Factors Affecting IVF Cost in Mumbai
Several elements influence the total IVF cost in Mumbai. Understanding these can help you plan better:
- Clinic Reputation & Location: Premium clinics with higher success rates usually charge more.
- Type of IVF Procedure: Techniques like ICSI or PGT increase the overall cost.
- Medication Protocols: Hormonal medications and injections can significantly impact expenses.
- Number of IVF Cycles: Success may not be achieved in the first attempt, adding to costs.
- Age & Health Condition: Older age or underlying health conditions may require additional treatments.
- Add-on Services: Egg freezing, embryo freezing, and donor programs come at an added cost.
- Technology Used: Advanced lab facilities and techniques like laser hatching may incur extra charges.
IVF Cost Breakdown In Mumbai
Understanding the detailed cost breakdown can help prospective patients plan better. Here are the main components of IVF costs:
| Treatment Component | Estimated Cost (INR) |
|---|---|
| Initial Consultation | ₹500 – ₹2,000 |
| Basic IVF Cycle | ₹1,00,000 – ₹1,50,000 |
| ICSI (Advanced IVF) | ₹1,50,000 – ₹2,00,000 |
| Egg Retrieval & Embryo Transfer | Included in IVF package |
| Hormonal Medications | ₹30,000 – ₹60,000 |
| Embryo Freezing (First Year) | ₹25,000 – ₹50,000 |
| Frozen Embryo Transfer (FET) | ₹40,000 – ₹75,000 |
| Donor Egg IVF | ₹2,00,000 – ₹3,00,000 |
| Surrogacy (If Applicable) | ₹5,00,000 – ₹7,00,000 |
| Preimplantation Genetic Testing | ₹50,000 – ₹1,00,000 |
Advanced IVF Treatments Available in Mumbai
| Treatment | Description | Estimated Cost (INR) |
|---|---|---|
| ICSI | Injects a single sperm into an egg; ideal for male infertility. | ₹1,50,000 – ₹2,00,000 |
| PGT | Screens embryos for genetic disorders before implantation. | ₹50,000 – ₹1,00,000 |
| Egg Freezing | Preserves a woman’s fertility for future use. | ₹50,000 – ₹1,00,000 |
| FET (Frozen Embryo Transfer) | Transfers frozen embryos during a later cycle. | ₹40,000 – ₹75,000 |
IVF Success Rates by Age Group
Success rates vary significantly with age. Here’s how age impacts the chances of successful conception through IVF:
Government Schemes & Subsidies for IVF
While IVF isn’t fully covered under central government health programs, a few schemes offer partial support. Ayushman Bharat (PMJAY) provides subsidized IVF in select government hospitals for couples from economically weaker sections, although availability can be limited. State-level programs in Maharashtra occasionally offer affordable IVF through public healthcare settings, reducing costs for low-income families. Municipal hospitals in Mumbai, such as KEM and Sion, also provide IVF at lower rates, though there may be longer waiting periods. Additionally, the National Family Health Survey (NFHS) provides important data on fertility trends, helping inform public health policies.
IVF Insurance & Financing Options
While most health insurance plans in India don’t cover IVF, there are some emerging options:
Star Women Care Insurance is tailored for women’s health and may cover certain fertility treatments.
Family Health Optima, a family floater plan, may offer riders for infertility testing and partial treatment coverage.
Star Health Mumbai plans provide OPD consultations and fertility assessments as part of broader medical benefits.
For IVF financing, Bajaj Finserv personal loans offer flexible EMI plans, fast disbursal, and easy approval, making treatments more affordable.
Always compare plans and loans based on coverage, exclusions, and waiting periods to choose the best option for your needs.
Top 10 IVF Clinics In Mumbai
Here are the top IVF clinics in Mumbai, renowned for their expertise, cutting-edge technology, and high success rates.
| Area | IVF Clinic | Address | Website |
|---|---|---|---|
| Andheri | Nova IVF Fertility | 101, 1st Floor, Sharayan Audeus Building, above Hard Rock Café, Near Fun Republic Lane, Veera Desai Road, Andheri West, Mumbai -400 058 | Here |
| Bandra | Bloom IVF Centre | Bandra Reclamation Rd, General Arunkumar Vaidya Nagar, Bandra West, Mumbai, Maharashtra 400050 | Here |
| Peddar Road | Jaslok Hospital and Research Centre | 15, Pedder Rd, IT Colony, Tardeo, Mumbai, Maharashtra 400026 | Here |
| Thane | Saraogi Hospital & IRIS IVF Centre | Khetan Apartment, Malad (W, Swami Vivekananda Rd, opp. Telephone Exchange, Mumbai, Maharashtra 400064 | Here |
| Juhu | Mothercare Clinic | No 10, Casablanca Ground Floor Plot, 130, 10th Gulmohar Cross Rd, JVPD Scheme, Mumbai, Maharashtra 400049 | Here |
| Khar | Gaudium IVF | 4th Floor, Samaj Kendra Building, Anand Vihar Society, 20th Road, Chitrakar Dhurandhar Rd, Khar West, Mumbai, Maharashtra 400052 | Here |
| Marine Lines | Mumbai Fertility Clinic & IVF Center | 66-C, Motiwala Building, 1st Floor, Gowalia Tank, A.K. Marg, Grant Road (West), opposite August Kranti Maidan, Mumbai – 400 026. | Here |
| Malad | Cloudnine Fertility | 116,1st Floor, Siddhachal Arcade, CTS Nos. 1084C and 1186A, New Link Rd, Malad West, Mumbai, Maharashtra 400064 | Here |
| Chembur | Iswarya IVF & Fertility Centre | 2nd floor, Skyrise Apartments, Central Ave Rd, Ambedkar Garden, Chembur, Mumbai, Maharashtra 400071 | Here |
| Navi Mumbai | Yashoda IVF Fertility & IVF Centre | Ground Floor Satyam Arcade, Sector 21, Kamothe, Panvel, Maharashtra 410209 | Here |
More Suggested Reads:
- IVF Cost In Bangalore – Clinics & Packages
- IVF Cost In Kolkata (2025) – Clinics & Success Rates
- IVF Cost In Hyderabad (2025) – Affordable Options & Tips
Conclusion: IVF in Mumbai – Costs, Planning, and Resources
The cost of IVF in Mumbai can reach up to ₹2,50,000 per cycle, but it varies depending on factors like the clinic, treatment type, and additional procedures. While the financial aspect of IVF can be overwhelming, thorough research and proper financial planning can make it more manageable.
Choosing a reputable clinic with a track record of successful treatments, exploring financing options, and utilizing available government schemes and insurance plans can help ease the financial burden.
Before committing to treatment, it’s essential to have a detailed consultation with your doctor to understand the exact costs, potential add-ons, and payment plans that suit your budget. Taking these steps will bring you closer to realizing your dream of becoming a parent.
FAQs
The total cost of IVF in Mumbai typically ranges from ₹1,50,000 – ₹2,50,000 or more, depending on various factors.
Choosing the best IVF clinic in Mumbai depends on individual preferences and needs. Some of the top clinics include Nova IVF Fertility and Bloom IVF Centre.
Yes, it’s possible to have twins with IVF. Chances are that multiple embryos are transferred during the procedure. However, decisions should be carefully made with your fertility specialist.
Yes, a single woman can undergo IVF in India. Many clinics offer fertility treatments to single women, allowing them to become mothers through sperm donation.
The best age for IVF is typically between 35 and 40 years, as fertility starts to decline after 35. However, success rates vary depending on individual health and fertility factors.
