IVF Cost in Mumbai
Last updated: August 2026 · Medically reviewed by Dr. Mohit Saraogi, MD, DGO
IVF treatment in Mumbai typically costs ₹1,50,000 to ₹3,25,000 per cycle, depending on whether ICSI is medically needed. The exact price depends on your clinic, treatment protocol, and any add-on procedures you need.
At IRIS IVF Centre, part of Saraogi Hospital, a standard IVF cycle costs ₹1,00,000–₹1,35,000, with ICSI adding ₹20,000 to the package cost where clinically needed. You’ll find the full itemized breakdown below.
We’ve treated fertility patients since 1980, and our specialists bring over 40 years of combined experience to every case. Cost should not stop you from starting a family, so we keep every price clear and upfront.
IVF Cost in Mumbai vs. IRIS IVF Centre
The table below compares typical IVF charges in Mumbai with our rates at IRIS IVF Centre.
| Procedure | Cost in Mumbai (general range) | Indicative Treatment Cost at IRIS IVF Centre |
|---|---|---|
| IUI | ₹10,000–₹15,000 | ₹7,000 |
| IVF | ₹1,50,000–₹2,50,000 | ₹1,00,000–₹1,35,000 |
| ICSI | ₹1,50,000–₹2,50,000 | ₹1,20,000–₹1,50,000 |
| Frozen Embryo Transfer (FET) | ₹40,000–₹50,000 | ₹35,000 |
| Laser Assisted Hatching | ₹18,000–₹22,000 | ₹7,500 |
| IMSI | ₹2,10,000–₹2,60,000 | ₹1,05,000–₹1,50,000 |
Actual cost depends on the patient’s specific treatment plan and clinical requirements. Final pricing is confirmed only after your medical checkup and consultation.
All figures on this page are indicative treatment costs only. Your actual cost may vary based on your clinical requirements, investigations, medications, treatment protocol, and any additional medically indicated procedures. A confirmed cost estimate is provided only after your consultation and clinical evaluation.
This indicative pricing is an all-in estimate for one fresh cycle using your own eggs and sperm. It includes consultations, baseline investigations (blood tests and sonography), stimulation injections, oral tablets, egg retrieval, anaesthesia, lab work, embryo culture up to blastocyst stage, one fresh embryo transfer, and standard lab consumables. A standard IVF cycle costs ₹2,40,000–₹3,05,000; if ICSI is medically indicated, it adds ₹20,000 to the total, for ₹2,60,000–₹3,25,000. Embryo freezing (₹20,000) and any add-ons, such as PGT, TESA/PESA, or donor gametes, are shown separately and are not part of this base range unless specified in your personalized plan.
Your final cost per IVF cycle depends on your specific treatment plan. We’ll give you a personalized estimate after your first consultation.
What Happens at Your Cost Consultation?
At your first visit, we’ll walk you through:
A review of your medical history, reports, and any prior treatments
A brief examination and, if indicated, an ultrasound
A discussion of your likely diagnosis and treatment options, such as IUI, IVF, or ICSI
A personalized, itemized cost estimate for your recommended plan
A clear explanation of what's included, what may cost extra, and your EMI or insurance options
What Affects the IVF Cost in Mumbai?
Many factors shape what you’ll actually pay. Here’s what matters most:
IVF protocol type
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Standard, mild stimulation, or natural cycle IVF each need different medication levels, so costs vary.
Add-on procedures
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like IMSI or laser-assisted hatching, if medically needed.
Fertility medications
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Usually the largest single cost, based on your ovarian reserve and hormone profile.
Embryo freezing cost
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for patients using frozen embryo transfer or a freeze-all protocol.
Your age and number of cycles needed
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Younger patients often succeed in fewer cycles.
Your clinic's IVF success rate and your specialist's experience
Lab quality and technology
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An in-house, well-equipped embryology lab (like ours) affects both outcomes and cost.
Donor egg IVF or donor sperm needs
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where applicable. See ourdonor egg treatment page for details. Donor gametes are used only as per ART Act 2021 and ICMR guidelines, with all required screening, consent, and registry formalities.
Additional testing
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like PGT, TESA, or PESA, where clinically needed.
Insurance coverage for IVF and financing options
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See our EMI and insurance guidance below.
Every treatment plan looks different. The clearest way to know your IVF expenses is a personal consultation. We’ll review your history first, then recommend a protocol.
How to Choose the Right IVF Clinic in Mumbai
Cost is only one part of the decision. Before you commit to a clinic, look for:
Transparent, itemized pricing
not just one bundled number
Success rates shared honestly
by age and diagnosis, not vague “above average” claims
An experienced specialist
with clear qualifications
An in-house lab
which reduces delays and handling risk
Clarity on what's included
Ask whether ICSI, blastocyst culture, and freezing are bundled or billed separately.
Financing and insurance support
discussed before treatment starts, not after
At IRIS IVF Centre, our cost breakdown above reflects exactly this kind of transparency, including which procedures are complimentary rather than billed as add-ons. See why patients across Mumbai choose us as their fertility care provider.
Tips to Reduce Your IVF Costs
Ask what's bundled at no extra cost
At IRIS IVF, blastocyst culture is already included. ICSI is billed separately.
Ask about IVF package deals
including multi-cycle options, if your specialist recommends one.
Get an early diagnosis
The sooner we identify issues like low ovarian reserve or male-factor infertility, the fewer costly add-ons you may need later.
Every treatment plan looks different. The clearest way to know your IVF expenses is a personal consultation. We’ll review your history first, then recommend a protocol.
Detailed IVF Cost Breakdown
Here’s exactly how the average cost of IVF breaks down at IRIS IVF Centre, cycle by cycle.
| Item | Cost |
|---|---|
| Tablets (approx.) | ₹20,000 |
| IVF Package (standard cycle) | ₹1,00,000–₹1,35,000 |
| ICSI (add-on, if medically indicated) | +₹20,000 |
| Consultation + Blood Tests | ₹5,000 |
| Injections | ₹50,000–₹80,000 |
| Egg Retrieval + Anaesthesia | ₹20,000 |
| IVF Lab + Embryo Transfer | ₹25,000 |
| Blastocyst Culture | Complimentary |
| Embryo Freezing | ₹20,000 |
| Estimated Total, standard IVF cycle | ₹2,40,000–₹3,05,000 |
| Estimated Total, ICSI cycle | ₹2,60,000–₹3,25,000 |
If you don’t need embryo freezing right away, you can add it later for ₹20,000, which covers up to 8 months of storage. This reduces your upfront total.
Two-Cycle and Budget IVF Packages
Planning for more than one cycle? We offer a two-cycle IVF package at ₹1,50,000–₹1,70,000.
For patients where cost is the main barrier, we also offer Budget IVF at ₹69,999. This option uses a lower dose of stimulation medication, which means fewer eggs retrieved. However, we never lower our lab or embryology standards, regardless of package.
Budget IVF is generally considered for younger patients with good ovarian reserve and no major additional fertility factors. It isn’t suitable for everyone. Your doctor will advise whether this protocol is appropriate for you after evaluation.
IUI Treatment Cost in Mumbai
IUI is often the first treatment couples try. It’s less invasive than IVF, skips anesthesia, and finishes quickly.
At IRIS IVF Centre, IUI costs ₹7,000. With donor sperm, the cost rises to ₹8,000–₹10,000.
ICSI Treatment Cost in Mumbai
ICSI stands for Intracytoplasmic Sperm Injection. Our embryologists inject a single sperm directly into an egg. This method is more precise than conventional IVF, and we often recommend it for male-factor infertility.
At IRIS IVF Centre, ICSI adds ₹20,000 to the standard IVF package cost, bringing it to ₹1,20,000–₹1,55,000. Blastocyst culture is complimentary.
With donor sperm, ICSI costs ₹1,40,000–₹1,70,000.
ICSI with Freeze-All
In the freeze-all method, we perform ICSI as usual. But instead of transferring the embryo right away, we freeze it first.
We wait roughly two months for your uterine lining to reach optimal thickness. Then we thaw the embryo and transfer it. In suitable candidates, typically younger patients with good-quality embryos and a receptive lining, frozen embryo transfer can achieve clinical pregnancy rates of around 60-70% per transfer in many centres. Your individual chance depends on age, diagnosis, embryo quality, and uterine factors, and will be discussed during your consultation.
This option costs ₹1,35,000–₹1,50,000.
Frozen Embryo Transfer Cost in Mumbai
FET, or frozen embryo transfer, uses embryos frozen from a previous cycle. Since it skips hormone stimulation and egg retrieval, the frozen embryo transfer cost is significantly lower than a fresh IVF cycle.
At IRIS IVF Centre, FET costs approximately ₹35,000.
Freezing your eggs instead of embryos? See our egg freezing cost in Mumbai for separate pricing.
IVF Success Rate by Age
IVF success depends on age, diagnosis, and treatment protocol. Your specialist will walk you through realistic, evidence-based expectations at your first consultation, not a generic number.
Across our practice, our IVF outcomes are in line with published benchmarks for similar patient profiles in Mumbai. Age-specific success rates are discussed during your consultation, along with the limitations of these figures.
Helpful Answers
Frequently asked questions
What factors influence the cost of IVF in Mumbai?
Several things affect your total cost. These include the treatment protocol, whether you need extras like ICSI, IMSI, or PGT, your medication needs, and how many cycles you need. At IRIS IVF, we give you a detailed estimate after your first consultation, so there are no surprises later.
Is IVF covered by insurance, and are financing options available?
Insurance coverage for IVF varies by policy and provider. We also offer EMI options. Our patient coordinators will walk you through both during your consultation, along with any insurance reimbursement questions. Bring your existing policy documents so we can assess your coverage accurately.
Can lifestyle factors or medical conditions affect the overall cost of IVF?
Yes. Conditions like PCOS, endometriosis, or low ovarian reserve can require extra diagnostic tests or treatment steps. This may affect your total cost. We’ll flag any of these during your consultation, not after treatment begins.
Can I plan multiple IVF cycles to reduce costs?
Yes. Our two-cycle package often costs less than paying for two single cycles separately. It also improves your cumulative chances of success across both attempts.
What's the difference between Budget IVF and standard IVF cost?
Budget IVF uses a lower dose of stimulation medication, which produces fewer eggs. However, we apply the same lab standards, embryology team, and quality controls as our standard protocol.
Visit Us
SARAOGI HOSPITAL, MUMBAI Khetan Apartment, S.V. Road, Malad West, Mumbai 400064 (Opposite Malad Telephone Exchange) +91 81697 17250
The information on this page is for general educational purposes only and does not constitute medical advice. Treatment plans, risks, benefits, and costs vary by individual. A qualified fertility specialist must evaluate you before any treatment decision is made.