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Understanding Legal Surrogacy in Mumbai
Consultation at a leading surrogacy clinic in Mumbai
Altruistic Surrogacy in Mumbai follows the guidelines established by India’s Surrogacy (Regulation) Act of 2021, which permits only altruistic surrogacy. This means that surrogate mothers can only be compensated for medical expenses and insurance coverage, not for carrying the child itself. The law aims to prevent exploitation while providing a structured path for those who need surrogacy for medical reasons.
Types of Surrogacy Available in Mumbai
In Mumbai, only gestational surrogacy is legally permitted, where the surrogate mother has no genetic connection to the baby. The embryo is created through IVF using:
Permitted Combinations:
- Intended mother’s eggs + Intended father’s sperm
- Intended mother’s eggs + Donor sperm
- Donor eggs + Intended father’s sperm
- Donor eggs + Donor sperm (in specific cases)
Not Permitted:
- Traditional surrogacy (using a surrogate’s eggs)
- Commercial surrogacy arrangements
- Sex selection during the process
- Surrogacy for foreign nationals without OCI cards
Begin Your Surrogacy Journey Today
Speak with a surrogacy specialist to understand your options and get personalized guidance.
Surrogacy laws for Surrogacy in Mumbai (2025)
The surrogacy landscape in Mumbai is governed by the Surrogacy (Regulation) Act of 2021 and the ART (Regulation) Act of 2021. These laws have established clear guidelines that all intended parents, surrogates, and clinics must follow.
Legal documentation required for surrogacy in Mumbai
Eligibility Criteria for Intended Parents
| Criteria | Requirements |
| Marital Status | Married for at least 5 years |
| Age Limits | Female: 23-50 years; Male: 26-55 years |
| Citizenship | Indian citizens or Overseas Citizens of India (OCI) |
| Medical Indication | Certificate of medical necessity from District Medical Board |
| Existing Children | No biological child (exceptions for children with disabilities/life-threatening disorders) |
| Single Parents | Widowed/divorced women between 35-45 years may apply |
Legal Requirements for Surrogate Mothers
| Criteria | Requirements |
| Age | 25-35 years |
| Marital Status | Ever-married woman with a child of her own |
| Citizenship | Must be an Indian citizen |
| Health Status | Medical and psychological fitness certificate required |
| Previous Surrogacy | Can act as surrogate only once in lifetime |
| Genetic Relation | Cannot be genetically related to the child (no egg donation) |
Required Documentation
- Certificate of medical indication from District Medical Board
- Eligibility certificates for both intended parents and surrogate
- Legal agreements between intended parents and surrogate
- Health insurance coverage for surrogate (minimum 36 months)
- Affidavits from all parties involved
- Parental order from First Class Magistrate
- Certificate of Essentiality from the appropriate authority
Important: All surrogacy arrangements must be approved by the District Medical Board and registered with the State Surrogacy Board. Non-compliance can result in legal penalties including imprisonment up to 10 years and fines up to ₹10 lakhs.
Step-by-Step Surrogacy Process in Mumbai
The surrogacy journey timeline in Mumbai
The surrogacy process in Mumbai typically takes 12-18 months from initial consultation to childbirth. Understanding each step helps intended parents prepare mentally, emotionally, and financially for the journey ahead.
- Initial Consultation and Medical EvaluationMeet with fertility specialists to discuss your medical history, evaluate fertility status, and determine if surrogacy is the right option. Both intended parents undergo comprehensive medical testing.
- Legal Counseling and DocumentationConsult with a legal expert specializing in reproductive law to understand the legal process and prepare necessary documentation for approval from the District Medical Board.
- Application to District Medical BoardSubmit your application with all required documentation to obtain a Certificate of Medical Indication and eligibility certificates.
- Surrogate MatchingWork with your clinic to find a suitable surrogate who meets all legal requirements. The surrogate will undergo medical and psychological screening.
- Legal AgreementsDraft and sign legal agreements between intended parents and the surrogate, covering all aspects of the arrangement including medical care, financial responsibilities, and birth plans.
- IVF ProcedureEgg retrieval from the intended mother or donor, fertilization with sperm in the laboratory, and embryo creation through IVF or ICSI procedures.
- Embryo TransferTransfer of the embryo(s) into the surrogate’s uterus. The surrogate may undergo a mock cycle before the actual transfer to optimize chances of success.
- Pregnancy Confirmation and MonitoringPregnancy testing and regular prenatal check-ups throughout the pregnancy, including ultrasounds and other necessary tests.
- Birth and Legal ParentageDelivery at a designated hospital and completion of legal procedures to establish parentage, including obtaining a parental order from the court.
- Post-Birth CareNewborn care and follow-up medical appointments for both the baby and the surrogate.
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Surrogacy Cost in Mumbai (2025)
Financial planning is essential for your surrogacy journey
The cost of surrogacy in Mumbai typically ranges between ₹25-35 lakhs for a complete package. This cost varies based on several factors including the clinic’s reputation, medical complications, number of IVF cycles required, and specific needs of the intended parents.
Detailed Surrogacy Cost Breakdown in Mumbai
| Expense Category | Estimated Cost (₹) | Description |
| Initial Consultation | 10,000 – 20,000 | First meeting with fertility specialists, medical history review |
| Medical Screening & Tests | 1,50,000 – 2,00,000 | Comprehensive testing for intended parents and surrogate |
| Legal Documentation | 1,00,000 – 1,50,000 | Legal agreements, board approvals, court orders |
| IVF Procedure | 1,50,000 – 2,00,000 | Egg retrieval, fertilization, embryo creation |
| Embryo Transfer | 20,000 – 40,000 | Transfer of embryo to surrogate’s uterus |
| Surrogate Cost in Mumbai | 7,00,000 – 7,50,000 | Medical expenses, insurance, nutrition, etc. |
| Pregnancy & Medical Care | 3,50,000 – 4,00,000 | Prenatal care, regular check-ups, medications |
| Delivery Charges | 1,00,000 – 1,50,000 | Hospital stay, delivery procedure, post-natal care |
| Total Cost | 18,00,000 – 20,00,000 | Complete surrogacy journey (12-18 months) |
Additional Costs to Consider
Potential Extra Expenses:
- Donor eggs: ₹1,50,000 – 2,50,000
- Donor sperm: ₹25,000 – 65,000
- Additional IVF cycles: ₹1,50,000 – 2,00,000 per cycle
- Cesarean delivery: ₹50,000 – 1,00,000 extra
- Twin pregnancy: ₹1,00,000 – 2,00,000 extra
- PGD/PGS testing: ₹1,50,000 – 2,50,000
Payment Schedule:
- Initial payment: 15-20% (consultation, screening)
- Second payment: 20-25% (legal documentation, surrogate matching)
- Third payment: 20-25% (IVF procedure, embryo transfer)
- Fourth payment: 15-20% (first and second trimester)
- Final payment: 20-25% (third trimester and delivery)
Cost-Saving Tip: Some clinics offer guaranteed surrogacy packages that include multiple embryo transfers and IVF cycles for a fixed price. These packages can provide better value and peace of mind for intended parents. Surrogate mother cost in India is less as compared to other surrogacy countries but most fertility clinics in India do not offer guarantee surrogacy baby plan.
Get a Personalized Cost Estimate
Every surrogacy journey is unique. Speak with our financial counselors to get a detailed cost breakdown based on your specific situation.
Finding a Surrogate Mother in Mumbai
A counseling session with a potential surrogate mother
Finding a suitable surrogate mother in Mumbai is one of the most critical aspects of your surrogacy journey. Under current Indian law, clinics cannot recruit or provide surrogate mothers.
Surrogate Mother Eligibility Criteria- How to choose a surrogate mother
- Must be between 25 and 35 years of age
- Must be an ever-married woman with at least one child of her own
- Can act as a surrogate only once in her lifetime
- Cannot donate her eggs for the surrogacy
- Must have medical and psychological fitness certificates
- Must be willing to undergo the surrogacy process altruistically
- Must have her husband’s consent (if married)
Surrogate Screening Process
Once you’ve identified a potential surrogate, she will undergo comprehensive screening to ensure she’s physically and emotionally prepared for the journey:
Medical Screening:
- Complete physical examination
- Gynecological assessment
- Blood tests for infectious diseases
- Hormone level testing
- Ultrasound to evaluate uterine health
- Genetic screening
Psychological Screening:
- Mental health evaluation
- Assessment of the support system
- Understanding of the surrogacy process
- Emotional readiness
- Family dynamics assessment
- Counseling sessions
Building a Healthy Relationship with Your Surrogate
Establishing clear communication and boundaries with your surrogate is essential for a positive experience:
Recommended Practices
- Establish clear communication channels
- Respect her privacy and personal boundaries
- Include her in important decisions about her care
- Express gratitude for her selfless act
- Attend key medical appointments together
- Provide emotional support throughout the journey
Practices to Avoid
- Micromanaging her daily activities
- Making unreasonable demands
- Neglecting her emotional needs
- Excluding her from important discussions
- Failing to honor agreements made
- Crossing personal boundaries
“The relationship between intended parents and their surrogate is unique and special. It’s built on mutual respect, trust, and the shared goal of bringing a new life into the world.”
Prenatal care for surrogate mothers is comprehensive and closely monitored
Top Surrogacy Clinics in Mumbai (2025)
Selecting the best surrogacy clinic in Mumbai is crucial for a successful surrogacy journey.
Find a surrogacy center in Mumbai who are ethical, experienced, and professional with customer centeric approach.
Key Factors to Choose the Best Surrogacy Clinic in Mumbai
When selecting a clinic, consider the following:
1. Clinic’s Legal Expertise
- Ensure the clinic follows India’s 2021 Surrogacy (Regulation) Act.
- Has experience in altruistic surrogacy only.
2. Doctor’s Experience & Credentials
- Look for 10+ years of experience.
- Specialized in fertility and third-party reproduction.
3. Success Rates
- IVF success rate should be above 50%.
- Surrogacy success rates should be transparent and documented.
4. End-to-End Services
- Counseling
- Legal contracts
- IVF, ICSI
- Surrogate selection & care
- Delivery & hospital tie-ups
5. Surrogate Care & Screening
- Proper surrogate medical and psychological screening
- Ethical treatment & legal documentation
6. Infrastructure & Technology
- ISO or NABH certified labs
- Advanced IVF and embryology labs
- Use of vitrification, genetic testing (PGT), and blastocyst culture
7. Patient Testimonials
- Authentic video or written testimonials
- Verified success stories
8. Transparency in Pricing
- Ensure no hidden costs
- Check for all-inclusive packages (legal, IVF, surrogate compensation)
Bonus: Checklist Before Booking a Consultation
| ✅ Checklist | Description |
| Free First Consultation | Many clinics offer this |
| Tour of Facility | Ask to see the IVF lab and surrogate housing |
| Legal Guidance | Do they offer a lawyer consultation? |
| Surrogate Matching Time | How long does it take to match you with a surrogate? |
| Language Support | Especially for international clients |
Top Surrogacy Clinics in Mumbai (2025)
| Clinic Name | Location | Key Services | Google Rating | Notable Specialists |
| Surrogacy India | Bandra | IVF, Egg Donation, Surrogacy | 4.6 | Dr. Gautam Allahbadia |
| Nova IVF Fertility | Andheri | IVF, ICSI, Surrogacy | 4.5 | Dr. Richa Jagtap |
| Zoi Fertility | Mumbai Central | Surrogacy, Egg Freezing, IVF | 4.4 | Dr. Yashodhara Mhatre |
| Bloom IVF | Lilavati Hospital, Bandra | IUI, IVF, Surrogacy | 4.5 | Dr. Hrishikesh Pai |
| Jaslok Hospital IVF Centre | Pedder Road | IVF, Donor IVF, Surrogacy | 4.4 | Dr. Firuza Parikh |
| Indo Nippon IVF | Bandra West | IVF, ICSI, Surrogacy | 4.3 | Dr. Goral Gandhi |
| IRIS IVF Centre | Goregaon | Surrogacy, IUI, IVF | 4.2 | Dr. Uday Thanawala |
📝 Note: Always cross-check ratings and services on official websites and directories like Practo or Google Business.
Additional Resources to read:
Surrogacy in Delhi vs Surrogacy in Mumbai
Is Surrogacy Legal in Mumbai in 2025?
Surrogacy Success Rates in Mumbai
Comparative success rates across leading Mumbai surrogacy clinics
Success rates for surrogacy in Mumbai are among the highest in India, ranging from 60% to 75% depending on the clinic, patient factors, and specific circumstances. Understanding these statistics can help set realistic expectations for your journey.
Factors Affecting Success Rates
Medical Factors:
- Quality of eggs used (intended mother or donor)
- Quality of sperm used (intended father or donor)
- Embryo quality and development stage
- Surrogate’s uterine health and receptivity
- Number of embryos transferred
- Use of PGT/PGS for embryo selection
Other Influencing Factors:
- Age of the egg provider (success decreases after 35)
- Previous pregnancy history of the surrogate
- Clinic’s laboratory quality and protocols
- Experience of the medical team
- Underlying medical conditions
- Lifestyle factors of all parties involved
Success Rates by Age Group
| Age of Egg Provider | Average Success Rate | Notes |
| Under 35 years | 65-75% | Highest success rates with good quality embryos |
| 35-37 years | 55-65% | Slightly reduced success; still good prognosis |
| 38-40 years | 45-55% | Moderate decline in success rates |
| 41-42 years | 35-45% | Significant decline; donor eggs often recommended |
| Over 42 years | 10-25% | Low success with own eggs; donor eggs recommended |
| Donor eggs (any age) | 65-75% | High success rates regardless of intended mother’s age |
“Success in surrogacy is not just about statistics. It’s about creating the right conditions through careful medical management, emotional support, and a strong partnership between all parties involved in this beautiful journey.”
Frequently Asked Questions About Surrogacy in Mumbai
Expert counselors help address all your questions about surrogacy
Is surrogacy legal in Mumbai in 2025?
Yes, altruistic surrogacy is legal in Mumbai under the Surrogacy (Regulation) Act, 2021 and ART Act, 2021. The Maharashtra State Assisted Reproductive Technology and Surrogacy Board oversees all surrogacy arrangements. All procedures must be pre-approved by the District Appropriate Authority and regulated by this board.
Can clinics in Mumbai arrange surrogate mothers?
No. Under the 2025 legal framework, clinics are not allowed to provide or recruit surrogate mothers. You must bring a willing surrogate (relative or close family friend) who fulfills legal criteria:
- Married woman, aged 25–35 years
- Has at least one biological child
- Medically and psychologically fit
- Has never been a surrogate before
What legal support is included in Mumbai surrogacy packages?
Most clinics in Mumbai include:
- Surrogacy agreement drafting and notarization
- Affidavit and declaration filing
- Parental court order support
- Name transfer in the child’s birth certificate
- Birth registration coordination with Mumbai Municipal Corporation
Is there a guaranteed program if the first transfer fails?
Yes. Some leading clinics offer Guaranteed Surrogacy Packages in Mumbai, where:
- Up to 2-3 embryo transfer attempts are included
- Insurance covers miscarriage and emergency hospitalization
- Legal documents are valid across cycles without repetition
Ask the clinic for a written refund/re-attempt policy before committing.
What if I’m an OCI/NRI — can I still apply for surrogacy in Mumbai?
Yes, if:
- You are an Indian citizen, NRI (with Indian passport), or
- You hold a valid OCI card + Indian origin proof
Foreign nationals without OCI are not allowed.
For OCI/PIO applicants:
- A certificate of Indian origin is required
- Surrogacy Board NOC may be needed
- Legal exit process for newborn is facilitated after delivery
How long does the entire surrogacy process take in Mumbai?
The complete surrogacy journey in Mumbai typically takes 12-18 months from initial consultation to childbirth. This timeline includes:
- 1-2 months: Initial consultation, testing, and surrogate matching
- 2-3 months: Legal approvals and documentation
- 1-2 months: IVF procedure and embryo transfer
- 9 months: Pregnancy
- 1 month: Post-birth legal procedures
The timeline may vary based on individual circumstances and any complications that arise.
Have More Questions?
Our experts are ready to address all your concerns about surrogacy in Mumbai.
Taking the Next Step in Your Surrogacy Journey
The joy of parenthood after a successful surrogacy journey
Embarking on a surrogacy journey in Mumbai requires careful planning, emotional preparation, and the right support system. While the process may seem complex, with the right guidance and a reputable clinic, your path to parenthood can be navigated successfully.
Remember that each surrogacy journey is unique, and the most successful outcomes come from a combination of medical expertise, legal compliance, emotional support, and clear communication between all parties involved. The joy of welcoming your child at the end of this journey makes every step worthwhile.
If you’re considering surrogacy in Mumbai, we encourage you to take the first step by consulting with a specialized fertility clinic that can provide personalized guidance based on your specific situation and needs.
Why Intended Parents Choose Complete Surrogacy Agency for a Safe, Smooth & Successful Surrogacy Journey:
🌍 Access to multiple surrogacy destinations with 15+ years of international experience
🏥 Partnerships with top-tier fertility clinics and agencies, backed by references from past clients
👩🦱 Diverse egg donor options: Asian, Caucasian, African, Oriental, and more
💸 Transparent and affordable pricing—direct payments with no extra agency fees
🔒 No hidden costs—all charges are agreed upon upfront
🤝 Dedicated case manager for personalized support
📲 Fast, honest, and clear communication throughout
📑 Full legal support for visas, documentation, and baby exit processes
Begin Your Parenthood Journey Today
Our team of specialists is ready to guide you through every step of your surrogacy journey in Mumbai.
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Call us: +91 8800481100
Highly esteemed, authoritative, and trusted professional with a 14-year of experience in international surrogacy. Advocate for Secure, Legal, and Affordable International Surrogacy.
Neelam Chhagani, MA (Counselling Psychology) and Holistic Infertility and Third-Party Reproduction Consultant.
Member of European Fertility Society, Best Surrogacy Blogger of 2020, with 300 dedicated blogs, and top contributor on Quora for Surrogacy.
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