IVF Pricing in India: What You Really Pay for Fertility Treatment

When you’re considering IVF, a medical process where eggs are fertilized outside the body and implanted into the uterus to achieve pregnancy. Also known as in vitro fertilization, it’s one of the most common fertility treatments for couples struggling to conceive. But the big question isn’t just if it works—it’s how much it costs. IVF pricing in India varies wildly, from ₹1.5 lakh to over ₹4 lakh per cycle, depending on the clinic, location, and what’s included. Unlike in some countries, there’s no standard fee, and hidden charges can sneak in—medications, blood tests, embryo freezing, or genetic screening aren’t always part of the base price.

What you pay isn’t just for the procedure. It’s also for the IVF cycles, the number of times the full process is repeated to achieve pregnancy, and how many attempts you might need. Most couples don’t get pregnant on the first try. Data shows that about 30-40% of women under 35 succeed in the first cycle, but that drops to under 15% after 40. So if you’re over 35, you’re likely looking at 2-3 cycles, which means your total cost could easily hit ₹6-10 lakh. Then there’s the IVF success rates, the percentage of cycles that result in a live birth. Clinics often advertise high numbers, but those usually include younger patients with better odds. Ask for your age group’s actual success rate—not the clinic’s overall average. And don’t assume more expensive means better. Some smaller clinics with lower overhead have success rates that match top hospitals, but charge half as much.

Don’t forget the extras. Medications alone can cost ₹50,000-₹1 lakh per cycle. If you need donor eggs or sperm, that adds another ₹1-2 lakh. Freezing embryos for future use? That’s ₹30,000-₹50,000 extra per year. Some clinics bundle everything. Others charge you for every drop of medication and every ultrasound. Always ask for a full breakdown before signing anything. And remember, insurance in India rarely covers IVF, so this is almost always out-of-pocket. The good news? India is one of the most affordable places in the world for IVF, especially compared to the US or UK. But affordability doesn’t mean you should skip due diligence. Check clinic credentials, talk to past patients, and know exactly what you’re paying for. Below, you’ll find real insights from people who’ve been through it—what they spent, what surprised them, and what actually worked.