Fertility Treatment Cost in India: What You Really Pay for IVF, IUI, and More
When you’re trying to conceive and things aren’t working, fertility treatment cost, the price of medical help to achieve pregnancy when natural methods fail. Also known as assisted reproductive technology, it includes procedures like IVF, IUI, and egg freezing—each with different price tags, success rates, and hidden expenses. In India, these treatments are far more affordable than in the US or UK, but that doesn’t mean they’re simple to budget for. Many people assume the quoted price covers everything, but that’s rarely true.
Take IVF, a process where eggs are fertilized outside the body and implanted into the uterus. Also known as in vitro fertilization, it’s the most common path for couples facing infertility. In India, a single IVF cycle usually runs between ₹1,50,000 and ₹3,00,000. But that’s just the base. Medications alone can add ₹50,000 to ₹1,00,000. If you need donor eggs, sperm, or genetic testing, those are extra. Some clinics bundle everything; others charge you for every needle, scan, and lab test. Then there’s IUI, a simpler procedure where sperm is placed directly into the uterus. Also known as intrauterine insemination, it’s cheaper—often ₹15,000 to ₹30,000 per cycle—but less effective for complex cases. You might need three or four IUI tries before moving to IVF, and that adds up fast.
What you pay also depends on where you go. A big hospital in Delhi or Mumbai might charge more than a clinic in Ahmedabad or Pune, but that doesn’t always mean better results. Success rates vary by doctor experience, lab quality, and patient age—not just the clinic’s name. And while some centers promise 70% success, the real average for women under 35 is closer to 40% per IVF cycle. If you’re over 40, that drops to 10-15%. Most people don’t realize they may need two or three cycles to succeed. That’s not a one-time cost—it’s a financial commitment over months or even years.
There’s no official price list for fertility treatment in India, so clinics can set their own rates. That’s why you need to ask: What’s included? Are drugs covered? Is there a refund if it fails? Do they charge for storage of embryos? Many people walk in thinking they’re paying for one treatment, then end up with a bill three times higher. The good news? Some insurance plans now cover part of IVF, and a few states offer subsidies for low-income families. It’s not widespread, but it’s growing.
Below, you’ll find real stories and breakdowns from people who’ve been through this—what they paid, what surprised them, and what they wish they’d known before starting. No fluff. No marketing. Just what actually happens when you take the first step toward parenthood through medical help.
