📞 Get in Touch for a Free Surrogacy Consultation
📱 +91-8800481100 (WhatsApp | LINE | Viber)
📧 neelam@ivfconceptions.com
🌐 www.ukrainesurrogacyagency.com
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

Understanding IVF with Surrogacy in Mumbai
IVF with surrogacy combines in vitro fertilization technology with a surrogate mother who carries the pregnancy. This process is particularly valuable for women who cannot carry a pregnancy due to medical conditions or for couples who have experienced multiple failed IVF cycles. Mumbai offers state-of-the-art fertility clinics with experienced specialists who guide patients through this complex but rewarding journey.
What is Gestational Surrogacy?
In gestational surrogacy, the surrogate mother carries an embryo created from the intended mother’s egg (or donor egg) and the intended father’s sperm (or donor sperm). The surrogate has no genetic connection to the baby. This is the only legally permitted form of surrogacy in India, as traditional surrogacy (using the surrogate’s own eggs) is prohibited under current laws.
Why Gestational Surrogacy in Mumbai
Mumbai has become a preferred destination for IVF with surrogacy due to several factors:
- World-class fertility specialists with international training
- Advanced medical infrastructure and technology
- Comprehensive legal framework for surrogacy
- High success rates compared to global averages
- Cost-effective treatment options
- Holistic care approach for all parties involved
Ready to Explore Your Fertility Options?
Our fertility specialists can help you understand if IVF with surrogacy is right for your situation.
Legal Framework for Surrogacy in Mumbai
The surrogacy laws in India have undergone significant changes in recent years. Understanding the current regulations is essential before beginning your surrogacy journey in Mumbai.

Key Legal Requirements for Surrogacy in Mumbai
For Intended Parents:
- Must be Indian citizens or Overseas Citizens of India (OCI)
- Married for at least 5 years
- A woman must be between 23-50 years, and a man between 26-55 years
- Must have a medical indication for surrogacy
- Cannot have any surviving biological or adopted child (exceptions for children with disabilities)
- Must obtain a certificate of essentiality from the appropriate authority
- Must provide health insurance coverage for the surrogate mother
For Surrogate Mothers:
- Must be between 25 and 35 years of age
- Must be an Indian citizen
- Must be married with at least one child of her own
- Can act as a surrogate only once in a lifetime
- Cannot provide her own eggs (gestational surrogacy only)
- Must have a medical and psychological fitness certificate
- Must provide informed consent
2022 Legal Updates
As of 2022, only altruistic surrogacy is permitted in India. Commercial surrogacy in India is prohibited, meaning the surrogate cannot receive compensation beyond medical expenses and insurance coverage. Additionally, the Surrogacy (Regulation) Act requires all surrogacy clinics to be registered with the appropriate authorities.
Need Clarity on Legal Requirements?
Our legal experts can guide you through the documentation process for surrogacy in Mumbai.
Step-by-Step Process of IVF with Surrogacy in Mumbai
The journey of IVF with surrogacy involves multiple stages, from selecting the right clinic to the birth of your child. Here’s a comprehensive breakdown of what to expect.
Selecting the Right Fertility Clinic
Choosing the right clinic is crucial for your surrogacy journey. Consider these factors when making your decision:

- Success rates for IVF and surrogacy cases
- Experience and qualifications of fertility specialists
- Quality of laboratory facilities and technology
- Comprehensive support services (legal, psychological, etc.)
- Transparency in costs and procedures
- Reviews and testimonials from previous patients
Top 3 Fertility Clinics in Mumbai for Surrogacy
Zoi Fertility

Established: 2007
Success Rate: 72% for surrogacy cycles
Specialties: Altruistic surrogacy, international embryo transfers, complex cases
Credentials: Over 729 babies born through surrogacy, 16+ years of experience
Ankoor Fertility Clinic

Established: 2005
Success Rate: 60% carry-home baby rate
Specialties: Gestational surrogacy, induced lactation support, complex fertility cases
Credentials: Registered surrogacy center with comprehensive legal support
Corion Fertility Clinic

Established: 2000
Success Rate: Among the highest in Mumbai
Specialties: Gestational surrogacy, international services, egg donation
Credentials: Over 10,000 successful deliveries across all fertility treatments
Medical Screenings and Preparations
For Intended Parents:

- Complete medical history evaluation
- Fertility assessments for both partners
- Genetic screening tests
- Infectious disease testing
- Psychological evaluation
- Hormone level testing for the intended mother (if using her eggs)
For Surrogate Mother:

- Comprehensive physical examination
- Gynecological assessment
- Uterine evaluation
- Blood tests for infectious diseases
- Psychological evaluation
- Previous pregnancy history review
- Lifestyle assessment
IVF Procedure Timeline
- Initial Consultation and Screening (2-4 weeks): Complete medical evaluations and legal paperwork.
- Surrogate Selection and Matching (2-8 weeks): Finding the right surrogate based on medical criteria and compatibility.
- Cycle Synchronization (2-4 weeks): Aligning the menstrual cycles of the egg provider and surrogate using hormonal medications.
- Ovarian Stimulation (10-12 days): The intended mother or egg donor receives fertility medications to produce multiple eggs.
- Egg Retrieval (1 day): A minor surgical procedure to collect mature eggs.
- Fertilization and Embryo Culture (3-5 days): Eggs are fertilized with sperm in the laboratory to create embryos.
- Embryo Transfer (1 day): Selected embryos are transferred to the surrogate’s uterus.
- Pregnancy Test (14 days after transfer): Blood test to confirm pregnancy.
- Pregnancy Monitoring (Throughout pregnancy): Regular check-ups and ultrasounds.
- Delivery and Birth (9 months after successful embryo transfer): The surrogate delivers the baby, which is then united with the intended parents.

Pregnancy Monitoring Protocols
Once pregnancy is confirmed, a comprehensive monitoring schedule is established:
| Pregnancy Stage | Monitoring Frequency | Tests/Procedures | Care Provided |
| First Trimester (0-12 weeks) | Weekly | Blood tests, ultrasounds, heartbeat monitoring | Hormonal support, nutritional guidance, regular check-ups |
| Second Trimester (13-26 weeks) | Bi-weekly | Anomaly scans, growth monitoring, genetic screening | Prenatal vitamins, diet monitoring, exercise guidance |
| Third Trimester (27-40 weeks) | Weekly | Growth scans, position checks, delivery planning | Birth preparation, delivery planning, intended parent involvement |
Ready to Begin Your Surrogacy Journey?
Our fertility specialists will guide you through each step of the process with compassionate care.
Cost Breakdown for IVF with Surrogacy in Mumbai
Understanding the financial aspects of surrogacy is crucial for proper planning. The surrogacy costs in Mumbai can vary based on individual medical needs, clinic selection, and specific circumstances.

| Expense Category | Cost Range (INR) | Cost Range (USD) | Notes |
| Medical Screening & Tests | ₹75,000 – ₹1,50,000 | $900 – $1,800 | Includes screening for both intended parents and surrogate |
| IVF Procedure | ₹1,50,000 – ₹3,00,000 | $1,800 – $3,600 | Includes medication, egg retrieval, fertilization, and embryo culture |
| Surrogate Compensation | ₹3,50,000 – ₹5,00,000 | $4,200 – $6,000 | Medical expenses, nutrition, and care (not direct payment) |
| Legal Documentation | ₹1,00,000 – ₹2,00,000 | $1,200 – $2,400 | Includes all legal paperwork, court fees, and legal counsel |
| Surrogate Insurance | ₹80,000 – ₹1,20,000 | $960 – $1,440 | Mandatory 36-month coverage |
| Prenatal Care & Delivery | ₹2,00,000 – ₹4,00,000 | $2,400 – $4,800 | Includes all medical care during pregnancy and delivery costs |
| Administrative Fees | ₹50,000 – ₹1,00,000 | $600 – $1,200 | Clinic coordination and program management |
| Total Estimated Cost | ₹9,05,000 – ₹16,70,000 | $10,860 – $20,040 | Costs may vary based on individual circumstances |
Additional Cost Considerations
- Costs for egg or sperm donation (if required)
- Additional embryo freezing and storage
- Multiple embryo transfer attempts (if needed)
- Specialized genetic testing of embryos
- Accommodation and travel expenses for non-Mumbai residents
- Post-birth procedures like induced lactation support
Get a Personalized Cost Estimate
Every surrogacy journey is unique. Contact us for a detailed cost breakdown based on your specific needs.
Success Rates for IVF with Surrogacy in Mumbai
Understanding success rates can help set realistic expectations for your surrogacy journey. Mumbai clinics generally report competitive success rates compared to global averages.
Mumbai vs. Global Success Rates Comparison
| Success Metric | Mumbai Average | Global Average | Difference |
| Clinical Pregnancy Rate | 72% | 65% | +7% |
| Live Birth Rate | 68% | 60% | +8% |
| Multiple Birth Rate | 12% | 15% | -3% |
| Cycle Cancellation Rate | 8% | 12% | -4% |
“Mumbai’s success rates for gestational surrogacy are consistently higher than global averages due to the combination of experienced specialists, advanced laboratory techniques, and comprehensive surrogate screening and care protocols.”
Factors Affecting Success Rates
Positive Factors
- Younger age of egg provider (under 35)
- Good quality embryos
- Experienced surrogate with previous successful pregnancies
- Advanced laboratory techniques
- Blastocyst transfer vs. day-3 embryo transfer
Challenging Factors
- Advanced age of egg provider (over 40)
- Poor embryo quality
- Previous failed IVF attempts
- Certain genetic conditions
- Underlying medical issues in the surrogate
Ethical Considerations in Surrogacy in India
The surrogacy journey involves important ethical considerations that all parties should carefully reflect upon.

Cultural Perspectives Supporting Surrogacy
- Helping childless couples fulfill their dream of parenthood
- Providing a path to genetic parenthood for those with medical limitations
- Creating meaningful connections between surrogates and intended parents
- Allowing surrogates to make a profound difference in others’ lives
- Supporting family formation in diverse ways
Ethical Concerns to Address
- Ensuring fully informed consent from all parties
- Preventing exploitation of vulnerable women
- Maintaining appropriate boundaries in surrogate-parent relationships
- Addressing potential emotional challenges for the surrogate
- Ensuring the child’s best interests remain paramount
Patient Rights and Responsibilities
Rights of Intended Parents
- Access to complete information about procedures and risks
- Confidentiality and privacy protection
- Transparent cost disclosures
- Regular updates about the surrogate’s health and pregnancy
- Legal recognition as the child’s parents
Additional Resources to read:
Surrogacy in Delhi vs Surrogacy in Mumbai
Rights of Surrogate Mothers
- Comprehensive medical information and care
- Psychological support throughout the process
- Freedom from coercion or exploitation
- Appropriate medical coverage and insurance
- Respect for dignity and autonomy
“Ethical surrogacy requires transparency, informed consent, and respect for the dignity of all involved. When these principles are upheld, surrogacy can be a beautiful collaboration that brings new life into the world while honoring everyone’s contribution to this miracle.”

Frequently Asked Questions About IVF with Surrogacy in Mumbai
Is surrogacy legal for foreigners in Mumbai?
As per the Surrogacy (Regulation) Act, surrogacy in India is currently permitted only for Indian citizens and Overseas Citizens of India (OCIs). Foreign nationals who are not OCIs are not eligible for surrogacy services in Mumbai or elsewhere in India. The intended parents must also meet other eligibility criteria, including being married for at least 5 years and having medical indications for surrogacy.
Does insurance cover surrogacy costs in Mumbai?
Most standard health insurance policies do not cover surrogacy expenses for intended parents. However, Indian law requires intended parents to provide health insurance coverage for the surrogate mother for a period of 36 months covering the pregnancy and postpartum complications. Some international insurance providers offer specialized surrogacy packages, but these typically need to be purchased separately from standard health insurance.
What post-birth paperwork is required after surrogacy in Mumbai?
After the birth, several legal documents must be completed:
- Birth certificate naming the intended parents as legal parents
- Parental order from the court confirming legal parentage
- Surrogate’s relinquishment of parental rights (typically part of the pre-birth agreement)
- Hospital discharge papers
- If applicable, passport application for the child
The process is streamlined when working with clinics that provide comprehensive legal support throughout the surrogacy journey.
Can I choose the gender of my baby through surrogacy in Mumbai?
No, sex selection is strictly prohibited under Indian law except for medical reasons related to sex-linked genetic disorders. The Pre-Conception and Pre-Natal Diagnostic Techniques (PCPNDT) Act makes it illegal to use any technology to determine or select the sex of a fetus. Clinics and medical professionals are required to comply with this law, and violations carry severe penalties.
How long does the entire surrogacy process take in Mumbai?
The complete surrogacy journey typically takes between 15-24 months from initial consultation to bringing your baby home. This timeline includes:
- 2-4 months for medical screening, legal clearances, and surrogate matching
- 1-3 months for IVF cycle and embryo transfer
- 9 months for pregnancy
- 1-2 months for post-birth legal procedures
The timeline can vary based on individual circumstances, including how quickly legal approvals are obtained and whether the first embryo transfer is successful.
Can I meet and select my surrogate mother in Mumbai?
Yes, intended parents can meet potential surrogates, though the matching process is primarily guided by medical criteria and compatibility. Most clinics in Mumbai facilitate meetings between intended parents and surrogates after initial screening and before finalizing arrangements. This allows both parties to establish comfort and understanding. However, the final selection should consider medical suitability above personal preferences to ensure the best chances of success.
Begin Your Parenthood Journey with IVF and Surrogacy in Mumbai
IVF with surrogacy in Mumbai offers a well-regulated, medically advanced path to parenthood for those facing fertility challenges. With world-class specialists, comprehensive legal frameworks, and compassionate care, Mumbai has established itself as a leading destination for this life-changing journey.

Ready to Take the First Step?
Our fertility specialists are here to guide you through every aspect of your surrogacy journey in Mumbai.
📞 Get in Touch for a Free Surrogacy Consultation
📱 +91-8800481100 (WhatsApp | LINE | Viber)
📧 neelam@ivfconceptions.com
🌐 https://www.completesurrogacy.com/

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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