In vitro fertilization (IVF) offers hope to many couples struggling with infertility. But one of the biggest questions is: How much does IVF cost in India in 2025? The answer depends on several factors, but we can break down the typical expenses to help you plan.
India is known for offering IVF at relatively affordable rates (often about half the cost of Western countries). Even so, IVF is a significant investment for most families. On average, a basic IVF cycle in India costs around ₹1,00,000 to ₹3,00,000 (approximately $1,200 to $3,600) per cycle in 2025.
This price is for standard IVF using the couple’s own eggs and sperm. Additional procedures (like using donor eggs/sperm, advanced labs, or multiple cycles) will increase the overall expense – many couples end up spending ₹5,00,000 or more over multiple cycles to achieve a successful pregnancy.
In this article, we’ll break down IVF costs city-wise and treatment-wise with updated 2025 data from trusted sources. You’ll find a clear pricing table for major cities in India, and a detailed breakdown of IVF treatment cost.
In This Article
- IVF Treatment Cost Overview (India, 2025)
- IVF Cost by Major Indian Cities (2025)
- IVF Treatment Cost Breakdown (Procedure-Wise)
- Is IVF Covered by Insurance in India (2025)?
- What is the Success Rate of IVF in India?
- How Many IVF Cycles Are Usually Needed for a Successful Pregnancy?
- How Much Extra Does it Cost if I Need Donor Eggs or Sperm?
- Are There Ways to Reduce IVF Costs or Get Financial Help?
IVF Treatment Cost Overview (India, 2025)
IVF costs can vary widely across India due to factors like location, clinic reputation, and individual medical needs. In 2025, the average cost of one IVF cycle in India is about ₹2 lakh (₹200,000). Most basic IVF cycles fall roughly in the ₹1–3 lakh range per cycle. This typically includes the core procedures (ovarian stimulation, egg retrieval, fertilization in the lab, and embryo transfer) and standard medications. However, it’s important to note:
Multiple Cycles:
IVF success rates per cycle are not 100%, so couples may need 2-3 cycles. Cumulatively, costs add up. For instance, if one cycle is ₹1.5 lakh and two cycles are needed, the total might be around ₹3 lakh. Some couples require more cycles, with total expenses reaching ₹5–6 lakh for a baby.
Additional Procedures:
Advanced techniques can increase cost. Procedures like ICSI (injecting a single sperm into an egg), PGT (pre-implantation genetic testing), or the use of donor eggs/sperm come with extra fees (detailed later).
Location and Clinic:
Big-city clinics tend to charge slightly more than clinics in smaller cities. Highly reputed IVF centers with top success rates may also charge a premium for their expertise.
IVF pricing in India is considered reasonable by global standards. It’s a growing hub for fertility tourism because quality treatment is available at a fraction of the cost in Western countries. About 2 to 2.5 lakh IVF cycles are performed in India each year.
Below, we break down the IVF cost in India 2025 city-wise and then by treatment components, so you can see where your money goes.
IVF Cost by Major Indian Cities (2025)
IVF expenses can differ based on which city you undergo treatment in. Generally, metropolitan areas like Delhi, Mumbai, and Bangalore have higher costs due to demand and higher operating expenses, whereas some clinics in other cities may offer slightly lower prices. Here is a city-wise breakdown of IVF cost ranges for a standard IVF cycle in 2025:
Here’s the IVF cost table by city, clearly formatted without reference links:
| City | Cost per IVF Cycle (Range) |
|---|---|
| Delhi | ₹1,75,000 – ₹2,10,000 |
| Mumbai | ₹2,00,000 – ₹3,00,000 |
| Bangalore | ₹1,80,000 – ₹2,15,000 |
| Chennai | ₹1,75,000 – ₹2,20,000 |
| Hyderabad | ₹1,00,000 – ₹2,50,000 |
| Pune | ₹1,50,000 – ₹2,10,000 |
| Kolkata | ₹1,75,000 – ₹2,25,000 |
(Costs are in Indian Rupees for one IVF cycle; figures are approximate ranges for 2025.)
As the table shows, Mumbai tends to be on the higher end (often up to ₹3 lakhs for a cycle), being a metro with many high-end clinics. Delhi, Bangalore, Chennai, and Kolkata have mid-range costs, roughly between ₹1.75–2.25 lakhs for one cycle. Pune is similar to Delhi’s range, while Hyderabad can sometimes offer lower starting prices (around ₹1 lakh) at certain clinics, though higher-end centers there can charge up to ₹2.5 lakhs.
These variations reflect local economic differences: big cities have higher operational costs and typically more advanced facilities, whereas smaller cities or upcoming metro areas might have slightly cheaper options (sometimes 10-20% lower than Delhi/Mumbai rates).
However, keep in mind that a lower cost doesn’t always mean lower quality – India has many reputable IVF centers across different cities. It’s important to compare success rates and patient reviews in addition to price.
Note: The above ranges usually cover the basic IVF package (ovarian stimulation, egg retrieval, embryo development, and a fresh embryo transfer). If you need extra services (like ICSI, donor programs, or freezing), those will add to the cost regardless of city. We’ll detail those next.
IVF Treatment Cost Breakdown (Procedure-Wise)
Understanding what you’re paying for in an IVF cycle can help you plan better. An IVF treatment is not a single procedure but a series of steps and services. Here we break down the typical cost components of IVF in India:
| IVF Cost Component | Typical Price (₹) |
|---|---|
| Initial Consultation & Tests | ₹5,000 – ₹20,000 |
| Medications & Hormone Injections | ₹30,000 – ₹70,000 |
| Ovulation Stimulation Monitoring | ₹30,000 – ₹50,000 |
| Egg Retrieval Procedure | Included in base IVF cost |
| Laboratory Fertilization & Embryo Culture | Included in base IVF cost |
| Embryo Transfer | Included in base IVF cost |
| Basic IVF Cycle Package (Complete) | ₹1,00,000 – ₹3,00,000 |
| ICSI (Intracytoplasmic Sperm Injection) | +₹20,000 – ₹50,000 |
| Donor Sperm | +₹8,000 – ₹12,000 |
| Donor Eggs | +₹50,000 – ₹80,000 |
| Embryo Freezing | ~₹30,000 (one-time) |
| Frozen Embryo Transfer (FET) | ₹20,000 – ₹60,000 |
| Embryo Storage (annual fee) | ₹4,000 – ₹6,000 per year |
| Pre-Implantation Genetic Testing (PGT) | ₹40,000 – ₹60,000 |
| Endometrial Receptivity Analysis (ERA) | ₹35,000 – ₹60,000 |
| Embryo Glue | ₹5,000 – ₹10,000 |
(All figures are approximate; actual costs can vary by clinic and individual needs.)
As shown above, the base IVF package (which includes the major steps from egg retrieval to one embryo transfer) typically accounts for the largest portion of the cost (around ₹1–3 lakh, depending on the clinic and city). Within that package, you’re paying for the medical team’s time, operation theater and lab use, consumables, and standard medicines.
Medication costs are a significant part of IVF. Fertility drugs (hormone injections to stimulate the ovaries) can cost tens of thousands of rupees per cycle.
In some cases, if a woman requires higher doses or a longer stimulation, medication costs might be on the higher end of the range. These are usually included when we quote “₹1–3 lakh per cycle,” but it’s good to clarify with the clinic if drugs are included or billed separately.
Extra procedures will add to your bill only if you need them or choose them:
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ICSI: Required in most IVF cases today where sperm issues are present; many clinics routinely do ICSI as part of IVF. If not included, it may add ~₹20k-50k.
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Donor eggs or sperm: Using a donor will increase costs. For example, an IVF cycle with an egg donor could total around ₹2.5 lakhs (₹2,00,000 IVF + ~₹50,000 donor fee). Donor sperm is cheaper (often under ₹10k extra).
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Genetic tests (PGT): If you opt to genetically screen embryos (recommended in some cases like recurrent miscarriage or older mothers), there’s an extra lab fee per embryo tested.
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Embryo freezing: Many couples freeze surplus embryos for future attempts, to avoid stimulating ovaries again. The freezing procedure has a one-time cost (~₹20k-30k), and each year of storage costs a few thousand rupees. Using frozen embryos later (FET cycle) is cheaper than a full fresh IVF, roughly ₹30k (since you skip egg retrieval).
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Advanced lab add-ons: Techniques like ERA or “embryo glue” are optional. They’re sometimes suggested to improve chances in difficult cases, but they come at additional cost (₹30k-60k for ERA, ~₹5k-10k for embryo glue).
Every clinic’s package is a bit different – always ask what is included in the quoted IVF price. For example, some clinics might include the first year of embryo freezing in the package, or include ICSI by default. Others might charge these à la carte. Transparency is key to avoid surprises: ask for a written breakdown of costs when you consult an IVF center.
Also, keep in mind the cost can vary if complications arise. If a cycle gets canceled mid-way (say, due to poor response to medications) or if additional medications are needed, it might change the final cost. Always have a buffer in your budget.
Is IVF Covered by Insurance in India (2025)?
Yes, IVF insurance coverage is slowly growing in India, but it’s still not common. Traditionally, most Indian insurance plans did not cover IVF treatments. Couples had to pay all costs themselves.
But recently (around 2024–2025), some insurers started offering plans that cover IVF costs. Major insurance companies like Tata AIG (Medicare Premier) and ICICI Lombard (Health AdvantEdge) now have plans covering fertility treatments, including IVF. Coverage usually ranges from ₹1–2 lakhs per policy.
Important things to note:
- Coverage is often limited to certain amounts or a fixed number of IVF cycles.
- Most plans have a waiting period before you can claim IVF treatment expenses (typically 9 months to 2 years).
- Some specialized fertility or maternity insurance plans partially cover IVF.
In short, as of 2025, IVF insurance coverage in India is improving, but still limited. Check carefully with your insurance provider to confirm exactly what’s covered and understand any conditions before treatment. Most people still pay largely from their own pockets, with insurance covering only part of the costs, if at all.
What is the Success Rate of IVF in India?
The success of IVF in India depends on several key factors, including woman’s age, Quality of embryos and Clinic’s experience and methods.
On average, the IVF success rate in India is around 30–35% per cycle. Younger women generally have higher success rates.
IVF Success Rates by Age (Approximate):
| Woman’s Age | IVF Success Rate (per cycle) |
|---|---|
| Under 35 years | 40–50% |
| 35–39 years | 30–35% |
| 40 years & above | 10% or lower |
How Many IVF Cycles Are Usually Needed for a Successful Pregnancy?
There’s no single answer because IVF outcomes vary for each couple. On average, about 30–35% of couples succeed on their first IVF cycle. However, most couples need more than one attempt to achieve pregnancy.
Many couples become pregnant after two or three IVF cycles. Each additional cycle improves your chances. Around 60–70% of couples conceive after completing three cycles.
It’s unusual for couples to undergo more than six IVF cycles. Doctors often make changes after each cycle, such as adjusting medications or procedures, to boost your chances of success.
Always prepare emotionally and financially for multiple cycles. It’s helpful to discuss your specific situation and treatment plan with your fertility doctor.
How Much Extra Does it Cost if I Need Donor Eggs or Sperm?
Using donor sperm or eggs will increase your IVF cost. Here’s roughly how much extra you might pay:
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Donor sperm: Usually adds about ₹8,000–₹12,000 per sample.
Example: A typical ₹1.5 lakh IVF cycle would become around ₹1.58–1.62 lakh with donor sperm. -
Donor eggs: More expensive because the donor must undergo medical procedures. Typically adds around ₹50,000–₹80,000 extra.
Example: If your IVF cycle costs ₹2 lakh, using donor eggs could increase it to ₹2.5–2.8 lakh.
Clinics may offer a combined package deal for IVF with donor eggs, typically between ₹3–4 lakh, covering everything involved.
If you opt for embryo donation (using embryos already created by another couple), costs typically range around ₹35,000–₹55,000 extra.
Why the cost difference?
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Egg donation involves complex medical treatments, increasing costs.
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Sperm donation is simpler, making it cheaper.
Always ask your clinic clearly:
“What’s the total cost for IVF with donor eggs or sperm?”
This helps you budget properly and avoid unexpected expenses.
Are There Ways to Reduce IVF Costs or Get Financial Help?
Yes, you can manage or lower IVF costs in India using these strategies:
1. Government Hospitals
Some government hospitals like AIIMS offer IVF at lower costs (₹70,000–₹1,00,000 per cycle). But these usually have longer waiting periods and slightly lower success rates due to limited resources.
2. Multi-Cycle IVF Packages
Private clinics may offer packages with discounts for multiple IVF cycles. Some also provide partial refund options if the treatment doesn’t succeed. Always check what’s included before choosing a package.
3. EMI and Financing Plans
Many clinics partner with banks or finance companies to offer EMI plans. This lets you pay for IVF treatments monthly over 6–12 months, reducing immediate financial stress.
4. Insurance and Employee Benefits
Check if your health insurance covers infertility treatments. Some companies in India (particularly MNCs and IT firms) now offer IVF coverage in their employee health plans. Speak to your HR department for details.
5. Travel to Affordable Cities
IVF can be cheaper in cities like Hyderabad or smaller tier-2 cities. Traveling for treatment might save money if IVF is costly in your city. Be sure to factor in travel and stay expenses.
6. Medication Discounts
IVF medicines are expensive, but cheaper generic versions or discounts might be available. Ask your doctor or clinic about reliable pharmacies or bulk-buying discounts.
Always discuss clearly with your fertility specialist and clinic counselor about these options. It can help you find the best way to afford IVF without compromising quality or care.
Conclusion
IVF in India in 2025 remains one of the most cost-effective fertility treatments worldwide, even though the costs are significant for the average Indian household. By knowing the city-wise prices and exactly what you’re paying for at each step, you can plan your IVF journey better and avoid unexpected costs.
Always use this information as a starting point – prices can change, and each clinic may have its own structure. We recommend consulting with a trusted fertility specialist who can give you a personalized quote based on your needs. With growing awareness, improving success rates, and gradually expanding insurance support, IVF is becoming more accessible year by year. Your parenthood dream may be expensive, but it is achievable with the right planning and support. Good luck with your journey!
