Infertility and assisted reproductive treatments are becoming pressing issues in India, especially in large cities like Mumbai where couples often explore fertility clinics, IVF centers, and in-vitro fertilization (ART) cost options.
According to recent data, about 27.5 million couples in India face infertility challenges, with prevalence rates ranging between 15–20% in urban areas and around 10% in rural regions.
The State of Maharashtra has seen the fertility rate (total fertility rate or TFR) drop from 1.9 in NFHS-4 to 1.7 in NFHS-5, underscoring growing demand for fertility treatments, ovulation induction, embryo transfer services, and donor egg/sperm solutions.
In Mumbai, as more couples seek IVF cost estimates, affordable IVF packages, lab charges, success rates, and additional add-on procedures like ICSI or genetic screening are key factors influencing the total cost.
Are you wondering what factors make IVF in Mumbai cost more than in smaller towns or how to compare quotes from different IVF centers? Have you considered how newer state initiatives and free government hospital IVF provisions might change your options or budget?
What is IVF Treatment?
In Vitro Fertilization (IVF), meaning “fertilization in glass,” is a medical procedure where eggs and sperm are combined in a laboratory environment. The fertilized embryo is then transferred into the uterus to achieve pregnancy.
IVF is usually recommended for couples dealing with:
- Ovulation disorders, PCOS, or hormonal imbalances.
- Blocked or damaged fallopian tubes.
- Male infertility (low sperm count, poor motility).
- Unexplained infertility or age-related fertility decline.
- Genetic disorders where couples wish to avoid passing conditions to their child.
Typically, an IVF cycle – from the start of medications to pregnancy testing – takes 6 to 8 weeks.
Read Also: What is IUI (Intrauterine Insemination)?
Why Choose Mumbai for IVF Treatment?
Mumbai is considered a hub for fertility treatments due to:
- High Expertise & Reputation: Clinics like Apollo Fertility and Saraogi Hospital have decades of experience, with thousands of successful IVF cycles.
- Advanced Technology: State-of-the-art labs, cleanroom facilities, and specialized embryologists ensure high-quality treatment.
- Diverse Options: Mumbai offers both premium IVF centers and budget-friendly clinics, catering to every patient’s needs.
Average Cost of IVF Treatment in Mumbai (2025)
The average IVF treatment cost in Mumbai ranges from ₹1,25,000 to ₹2,75,000 per cycle, depending on the clinic and treatment protocol.
For reference:
- Apollo Fertility: ₹1,50,000 – ₹3,00,000 per cycle.
- IRIS IVF Centre (Saraogi Hospital): ₹90,000 – ₹1,00,000 per cycle (inclusive of medicines and disposables).
- Thane & Borivali centers: Around ₹1,00,000 (more affordable than South Mumbai).
Breakdown of IVF Treatment Cost in Mumbai
| Component | Estimated Cost (INR) |
|---|---|
| Consultation & Blood Tests | ₹10,000 – ₹20,000 |
| Fertility Medications | ₹50,000 – ₹80,000 |
| Egg Retrieval & Anesthesia | ₹30,000 – ₹50,000 |
| Embryo Transfer | ₹20,000 – ₹30,000 |
| IVF Lab Charges | ₹40,000 – ₹70,000 |
| Total Estimate | ₹1,50,000 – ₹2,50,000 |
💡 Note: Medications alone can contribute 30–40% of the total cost, especially hormonal injections.
Additional Costs That Can Affect IVF Pricing
| Additional Procedure | Average Cost (Mumbai) | Cost at Saraogi Hospital |
|---|---|---|
| ICSI | ₹50,000 – ₹1,00,000 | ₹1,10,000 – ₹1,30,000 |
| IMSI | ₹2,10,000 – ₹2,60,000 | ₹1,45,000 – ₹1,65,000 |
| Frozen Embryo Transfer (FET) | ₹40,000 – ₹1,20,000 | ₹35,000 – ₹40,000 |
| Embryo Freezing & Storage (per year) | ₹20,000 – ₹40,000 | Included in packages |
| Laser Assisted Hatching (LAH) | ₹10,000 – ₹20,000 | ₹15,000 – ₹17,000 |
| Blastocyst Culture | ₹10,000 – ₹20,000 | Not specified |
| PGT (Genetic Testing) | ₹75,000+ | Varies |
| IVF with Donor Egg | ₹2,50,000 – ₹4,00,000 | – |
| ICSI with Donor Sperm | ₹1,40,000 – ₹1,70,000 | – |
Factors That Influence IVF Cost in Mumbai:
- Clinic Reputation & Location (South Mumbai clinics often charge more).
- Doctor’s Expertise (experienced specialists may cost higher but offer better success).
- Treatment Protocol (Natural IVF, Mild Stimulation IVF, or Standard IVF).
- Medications (dosage and duration vary by patient).
- Add-On Procedures (ICSI, PGT, LAH, etc.).
- Embryo Freezing & FET cycles.
- Number of IVF Cycles required.
- Lab Facilities & Technology.
- Patient’s Age & Medical History.
Cost Comparison: Mumbai vs Other Cities in India
| City | IVF Cost Range (INR) |
|---|---|
| Mumbai | ₹1,50,000 – ₹2,75,000 |
| Delhi | ₹1,20,000 – ₹2,50,000 |
| Bangalore | ₹1,30,000 – ₹2,60,000 |
| Chennai | ₹1,00,000 – ₹2,00,000 |
| Jaipur | ₹90,000 – ₹1,80,000 |
👉 While Mumbai may be slightly more expensive, it offers superior infrastructure and advanced treatment options.
Must Read: Best IVF Centers in Delhi
Top Affordable IVF Clinics in Mumbai (with Cost Estimates)
| Clinic/Facility | Location | Estimated Cost (INR) | Notes |
|---|---|---|---|
| IRIS IVF Centre (Saraogi Hospital) | Mumbai | ₹90,000 – ₹1,00,000 | Budget IVF options available (₹75,000). |
| Apollo Fertility | Mumbai, Thane, Borivali, Navi Mumbai | ₹1,50,000 – ₹3,00,000 | EMI options + finance tie-ups. |
| Borivali/Thane Centers | Suburban Mumbai | ~₹1,00,000 | More affordable than city centers. |
How to Choose the Best IVF Center in Mumbai?
- Check success rates (Mumbai average: 35% – 45%).
- Verify doctor qualifications.
- Ensure transparent pricing (itemized bills).
- Review lab facilities & technology.
- Look for donor programs & add-ons availability.
- Read patient reviews & testimonials.
Tips to Reduce IVF Treatment Costs in Mumbai:
- Compare packages across multiple clinics.
- Choose multi-cycle packages (e.g., 2-cycle deals at ₹1.5 – ₹1.7 lakh).
- Opt for generic medications where possible.
- Explore EMI & financing plans.
- Consider budget IVF options.
- Plan health & lifestyle improvements to avoid repeat cycles.
- Check if insurance covers partial IVF costs.
Latest News & Updates on IVF in Mumbai
- Cama Hospital, Mumbai became the first state hospital to provide free IVF treatments in Maharashtra (TOI Report, 2024).
- New Freeze-All ICSI Method shows a 70% success rate, costing around ₹1.35 – ₹1.5 lakh.
- Apollo Fertility reports 72% IVF success rate in Thane, with plans for global expansion.
Conclusion:
The IVF treatment cost in Mumbai typically ranges from ₹1,25,000 to ₹2,75,000 per cycle, depending on clinic reputation, doctor expertise, and additional procedures required. While Mumbai is slightly more expensive compared to smaller cities, it offers world-class facilities, experienced specialists, and cutting-edge technologies that improve success rates.
For couples planning their IVF journey, it’s essential to:
- Compare multiple clinics.
- Ask for detailed cost breakdowns.
- Explore EMI and package options.
With the right planning and guidance from an experienced fertility specialist, IVF treatment in Mumbai can be both effective and financially manageable.
FAQs:
The minimum IVF cost in Mumbai starts at around ₹1,20,000 per cycle in affordable clinics.
Not always. Most IVF packages in Mumbai exclude medicines and injections, which may add ₹50,000–₹80,000 extra.
ICSI (Intracytoplasmic Sperm Injection) costs between ₹1,80,000 and ₹3,00,000 per cycle, depending on the clinic.
Frozen embryo transfer costs around ₹40,000–₹60,000 per cycle in Mumbai.
On average, couples may need 2–3 IVF cycles to achieve pregnancy, which increases the total cost.
The success rate of IVF in Mumbai is 40–60% per cycle, depending on age, health, and clinic expertise.
Some reputed centers are Indira IVF, Nova IVF, Bloom IVF, Jaslok Hospital, Lilavati Hospital, and IVF Spring Fertility Center.
Most health insurance policies do not cover IVF, but some may cover partial diagnostic tests or pregnancy-related complications.
Yes, many IVF clinics in Mumbai offer easy EMI options starting from ₹5,000–₹10,000 per month.
Yes. For example, Cama Hospital in Mumbai has started providing free IVF treatment under a state initiative.
Major factors include: age of the woman, number of cycles, health conditions, doctor’s experience, and use of advanced techniques.
No, IVF cost varies by clinic reputation, doctor’s expertise, and facilities. Premium hospitals usually charge more than standalone fertility clinics.
Check clinic success rates, doctor’s experience, patient reviews, and compare package inclusions & hidden costs before deciding.