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What's Included In The IVF Cost In Mumbai? A Complete Breakdown

Did you know that many Indian couples have fertility problems every year? Mumbai is increasingly recognised for its IVF treatments. There has been a 20% growth in IVF needs in Mumbai over the last five years, making it a hotspot for advanced fertility care. However, the cost ranges from 90,000 INR to 2,50,000 INR per cycle. Yes, this creates confusion among patients planning their IVF cost in Mumbai.

A complete in vitro fertilization cycle costs Indian couples between 1,20,000 INR and 1,80,000 INR. Mumbai also carries out more than 20,000 cycles each year. Knowing the entire cost of IVF is essential. Visits to doctors, tests, treatments, medications, and extra procedures are included. That way, you can avoid any kind of surprise expenses. This blog will give a clear breakdown of IVF costs in Mumbai and offer helpful tips for better planning your budget. It also gives couples useful information. This helps them feel more confident in their journey.

Why is Mumbai famous for IVF treatments?

Mumbai is now one of the top cities in India for fertility treatments. The city has over 100 fertility clinics, which use the latest technology. Some of these are time-lapse embryo monitoring, ICSI, and Pre-implantation Genetic Testing (PGT). These advanced technologies improve Mumbai IVF success rates by around 45 to 50% per cycle.

Furthermore, it is higher than the national average, which is 35% to 40%. Many fertility specialists also receive training from other countries. They create treatment plans according to different couples' needs. 

The costs of IVF treatment are usually lower than in Bengaluru and Delhi. Also, the Mumbai IVF clinics provide high-quality care at competitive rates. 

Many clinics in Mumbai offer packages based on each patient's needs. They also give flexible payment options. 

Moreover, the city has a diverse culture. That is why finding services like counseling, nutrition advice, and mental health is easy.

These services are very helpful during IVF treatment. Because of this, many couples choose Mumbai clinics. They feel confident about getting high-quality medical care here.

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What is the Average IVF Treatment Cost in Mumbai?

IVF cost in Mumbai is between 90,000 INR and 2,50,000 INR per cycle. Among the factors involved are the clinic, which procedures that are needed and any additional treatments you might receive.

IVF can be estimated to cost anywhere between 1,20,000 and 1,80,000. It covers most of the first doctor visit and medicines to help the eggs grow. Then, the expert removes the eggs. The eggs combine with the sperm. Finally, the doctor places the embryo inside the womb.

More complex procedures like ICSI and blastocyst culture cost more. If patients need donor sperm, eggs, and special genetic tests, the budget will go up. These costs are extra and go beyond the basic price.

 Some clinics charge a separate fee for medicines and tests. So, asking about the IVF cost before starting the procedure is essential.

You should know which clinic services are included and which ones they charge extra for. Transparent price displays and all-in-one packages help couples avoid surprises, allowing them to plan their budget better.

Key Components Included in the IVF Cost in Mumbai

The cost of IVF includes many vital services for a successful treatment cycle. Understanding these will help patients plan better.

Fertility Tests and First Consultations for IVF Treatment

A fertility test and consultation form the first stage of any IVF process. The initial steps you take help keep your reproductive health safe.

You meet a fertility expert during the first visit. They will discuss your medical history and suggest specific tests. The doctor's consultation fees for IVF usually range from 500 INR ~ 2000 INR. 

Clinics first use ultrasounds to determine whether the uterus and ovaries are healthy. Then, doctors run AMH and FSH tests to assess how the ovaries function. 

They also perform a semen analysis test to examine sperm quality. These basic assessments usually include the initial IVF cost in Mumbai. Yet, the prices may vary depending on the clinic and the depth of testing needed.

IVF treatment: Ovarian Stimulation & Monitoring

Treatment success in IVF depends significantly on the ovarian stimulation process. To help your ovaries make more eggs, you will be given FSH and HMG hormone shots each day.

These treatments are required, but the cost of IVF in Mumbai will depend on the level of treatment you receive.

Doctors rely on ultrasounds and hormone lab work to examine your follicles.

After that, they adjust the medicines if required. So, these scans will ensure the right time for egg retrieval. This phase lasts about 10 to 12 days and contributes significantly to the cost, especially when higher medicine doses are necessary for better egg response.

Egg Retrieval (Ovum Pick-Up) in IVF Treatment

Egg retrieval is one of the most sensitive stages of IVF. This process occurs 34 to 36 hours after the final HCG (trigger) injection. Moreover, this short 20- to 30-minute procedure is critical to IVF success. Most clinics use mild sedatives or short anesthesia to keep it painless. Here's what this stage includes:

IVF operation theatre charges range from 15,000 to 25,000 in Mumbai. More than 90% of top clinics use class 1,000 cleanrooms. 

These rooms keep germs away and increase embryo survival rates by up to 20%. Additionally, the anesthesia cost ranges from 5,000 INR to 10,000 INR. About 98% of patients report zero discomfort during this stage.

A fine ultrasound-guided needle collects 8 to 15 mature eggs. The follicular activation procedure fee is around 10,000 INR to 15,000 INR.

 Studies show that collecting 10 to 12 eggs gives the best chance of pregnancy. So, being accurate during this step is essential.

Sperm Collection and Preparation in IVF

Sperm quality has a direct impact on the success. This is an important step, but many clinics overlook it.

Most clinics in Mumbai charge between 5,000 and 10,000 for semen collection. They also use special methods, such as density gradient or swim-up techniques.

This will help them select the healthiest sperm. If there is a need for donor sperm, the cost will be 10,000 to 20,000 INR.

All donors undergo strict screening to detect any infection or genetic condition. Many are not aware of the fact that even form abnormalities can reduce the IVF success rate by 15 - 20%. Also, according to WHO, male factor infertility accounts for 50% of IVF cases.

IVF/ICSI Procedure and Embryo Culture

Intracytoplasmic sperm injection generally causes 15 to 30% more than standard IVF because ICSI has a complex procedure of injecting a single sperm into the egg.

In contrast, IVF cost in Mumbai, on average, is around 1.2 lakh per cycle. But for ICSI, the cost can increase by 20,000 to 50,000 INR extra. 

Studies show fertilisation rates with ICSI are up to 80% successful, which is higher than the IVF percentage of 60-70%, especially in cases of male fertility. 

 Many clinics in Mumbai use time-lapse embryo monitoring to improve embryo selection procedures. It increases the implementation success by 25%. 

Meanwhile, labs keep oxygen levels low to match the body's natural environment. This helps the embryo grow better. This method improves embryo growth by 20%. Yet, most clinics still do not use it.

Embryo Transfer in IVF

Embryo transfer usually happens 3-5 days after fertilisation. It is a painless process performed with a thin catheter guided into the uterus. 

Success depends on timing and quality of the uterine lining. After a woman has the embryo transferred, doctors prescribe progesterone and other hormones. 

They help the lining inside the uterus become stronger. They also improve the chances of implantation. 

Moreover, progesterone supports and increases the success rate by nearly 30%. A recent study shows that vaginal progesterone works well. 

It has fewer side effects than injections. Also, ultrasound guidance during transfer can improve pregnancy rates by 15%.

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Additional or Optional Costs to Consider for IVF

Besides the main IVF cycle cost, some patients may have extra charges. These depend on their health or personal choices. These optional services can increase the total IVF cost in Mumbai a lot. The clinic should share the information before the treatment starts.

Embryo freezing and storage

Embryo freezing makes it possible to save embryos for later use.

In Mumbai, the cost to freeze a body is typically 15,000 to 30,000 INR, and plots cost about 10,000 INR each year.

It helps people who have many visits in mind. It also serves people who want to adopt a child but do not want to undergo another IVF procedure.

Few people know what vitrification means. It is a fast cryopreservation technique with an over 90% embryo survival rate.

Frozen embryo transfer (FET)

Frozen embryos are transferred to the uterus using FET.

Doing this costs less and is less invasive than a new cycle. Most doctors charge around 40,000 INR to 70,000 INR on average. Hormone control cycles help doctors transfer the embryo during the uterus's most receptive time, increasing the chances of pregnancy.

Success is more common with frozen embryo transfer than with fresh ones. It is possible because the uterus is ready. Parents can opt for genetic testing (PGT-A, PGT-M).

Genetic testing before implantation can help find inherited or chromosomal problems. It typically costs between 20,000 and 50,000 INR to do this testing.

Around 1 in 8 embryos have chromosome issues detected through testing. Testing helps ensure that the embryos transferred do not have genetic problems. It makes it less likely for people to have miscarriages or their IVF cycles fail.

Donor eggs or donor sperm.

If patients ‘sperm or eggs are no longer working, donor eggs or sperm can save the situation.

Be prepared to spend around 50,000 INR to 150,000 INR for a donor cycle. About 10,000 to 20,000 INR is the typical cost for donor sperm.

For women over 42, donor eggs are used in almost 25% of IVF cycles to get better results. It requires a genetic screening of the donor egg or sperm before placing anything.

Surrogacy costs in IVF treatment.

Surrogacy is a solution for those who cannot carry a pregnancy. Surrogacy is quite common in Mumbai. It usually costs between 12 lakhs and 18 lakhs. This depends on the medical care. Also, only couples with valid medical reasons can choose surrogacy in India. This comes under the Surrogacy Regulation Act of 2021. Moreover, medical supervision is mandatory throughout this process as per the law.

IVF cost comparison in government vs. private clinics in Mumbai

Government fertility centers in Mumbai provide IVF treatment at a very low rate.

It starts at 40,000 INR and can reach up to 80,000 INR per cycle. Moreover, government centers offer high medical standards but often have long waiting periods.

Also, the latest advanced technology may not be available in all government clinics. So, private fertility centers provide faster access to treatment.

They also provide personalised care. Plus, they offer many advanced procedures, including genetic testing. This technology is a bit higher in price, but the IVF cost in Mumbai ranges from 1 lakh to 2.5 lakhs per cycle.

Gynoveda offers Ayurvedic treatments focused on women’s health, with a reported success rate of up to 85%. Treatment costs range from ₹3,000 to ₹30,000, depending on the severity of the condition. Many women have experienced noticeable improvements in menstrual health, fertility, and hormonal balance. It is a natural, trusted choice for those seeking safe and effective care.

Patients should balance affordability with service quality. This will help them access advanced options. Before choosing a clinic, ask for a complete cost breakdown and treatment schedule. This will make you feel more confident about the process.

Don't forget to identify hidden charges before choosing IVF.

Patients regularly forget to check the hidden costs and go for the initial fee.

It is common for follow-up visits to cost patients up to 2,000. The charges are not included in the standard packages.

Adding extra doses of medicine for egg growth and embryo transfer each cycle may cost about 25,000 INR.

A 2023 survey reveals that more than 50% of couples spent 30% more than the initial cost of IVF.

This occurred because many add-on services were not included in what you initially paid.

Specific clinics may add freezing, anesthesia, X-ray, or ultrasound scan fees. Request that the surgeon give you the entire estimate so there are no surprises.

How to finance your budget according to IVF cost in the Mumbai location?

It is important to budget before going for IVF. In Mumbai, the treatment range can be from 90,000 INR to 2,50,000 INR per cycle. So, financial stress can often affect treatment results. Exploring all the support available to manage the IVF cost in Mumbai is important.

EMI and financing options

Now, many IVF clinics in Mumbai cooperate with NBFCs, as patients can pay installments. Usually, these EMIs cover a period of 6 to 24 months. The report says more than one-third of urban couples in India now go for EMI-based IVF treatment. Fertility loans from companies such as Bajaj are processed for approval within 48 hours.

Insurance coverage for IVF

Many standard insurance policies will not pay for IVF. New companies are now giving some cash back for hormone shots and fertility test costs. In 2024, 12% of Mumbai companies added fertility support to their employee health plans. Most of these policies require you to wait 12 months before the policy starts.

Package Deals Offered by Clinics

Clinics in Mumbai now provide many package options to cover potential costs. Also, the packages consist of consultations, necessary medication, and set procedures. Some companies include plans that do not give refunds for pregnancies. You get some money back if their fertility treatment doesn’t work after two or three cycles.

Tax Benefits (Section 80D)

However, section 80D doesn't cover IVF costs in Mumbai. But sometimes, section 80DDB covers it for infertility from specific conditions. To get this, you have to show medical proof from a certified hospital.

Final Overview: Clarifying IVF Costs in Mumbai

Understanding IVF costs in Mumbai helps the couple plan the treatment better. The total cost depends on the clinic, type of treatment, and extra services you choose. Government hospitals offer cheaper care, but you must wait a long time. Private clinics are faster and use advanced technology. As a result, they are more expensive than government hospitals. Examine what's included in the cost. Financing options and tax benefits will ease the burden.

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Frequently Asked Questions (FAQs) 

Is the IVF cost in Mumbai higher than in other cities? 

IVF in Mumbai usually costs less than in many other big cities. A 2023 study found it is about 18% cheaper than in Delhi and Bangalore. Many clinics in Mumbai buy medicines and equipment locally, which saves costs.

Are IVF medications included in the cost of IVF treatments?

Medicine costs are separate, as they are not included in the basic charge at most clinics. Using FSH or HMG hormones costs patients more than 80,000 Indian Rupees per cycle. Too many patients are unaware that genetic medicine is available. You can get discounts of 40% and buy from accredited pharmacies.

Can health insurance cover IVF in India? 

Most old insurance plans don’t cover IVF. However, 6 to 8% of private insurance plans now offer fertility benefits. In 2023, there has been a rising number of cases in which IT companies pay part of the IVF cost in Mumbai. They pay up to 1.5 lakhs to keep their employees.

Is IVF cheaper in government hospitals? 

Yes, IVF costs much less at government hospitals in Mumbai. Treatments usually cost from 25,000 INR to 55,000 INR per cycle. Yet, many patients struggle to move their visits around. Maharashtra State has ICSI and genetic screening in only one government center out of four. Still, some regions may not offer these advanced financial services. Sometimes, the waiting time is over 26 months.

Is success guaranteed in a single cycle of IVF treatment?

This is not possible. About 38% of IVF procedures in India are successful. However, if you are 37 years or older, the percentage may be reduced to 25%.

What happens if I fail—do I pay again?

Yes, you will pay for the cycle as an extra cost if you aren’t purchasing a multi-cycle plan to avoid the risk plan. A respected clinic offered to refund 25% of the money if you follow three cycles and no pregnancy results.

What financing options are available for IVF?

More and more people are using medical financing. Now, many patients in Mumbai use schemes that allow them to pay for IVF over time. Some platforms provide loans where you don’t pay interest, and repayment can take 24 months. Credit cards help patients to start treatment and handle repayment later. 

Is it safe to choose cheaper clinics for IVF? 

Choosing low-cost clinics can be risky if quality checks are not done thoroughly. In 2022, an audit showed that 18% of the labs did not have registration. And these IVF labs did not freeze embryos properly. To stay safe, go to ICMR-accredited clinics. Some budget clinics in Mumbai maintain high standards and offer affordable packages.