Cost of Assisted Reproductive Treatments in India 2025 – Prices, Subsidies & Money-Saving Tips

Profilbild des Autors
written by Zappelphilipp Marx•3 July 2025
Couple reviewing fertility treatment costs

According to the WHO fact sheet “Infertility”, about one in six people worldwide face involuntary childlessness. In India, an estimated 10–14 % of couples experience infertility. Assisted reproductive treatments can significantly improve your chances of conception—but they can be costly. Here’s what you need to know for 2025: treatment fees, available subsidies, and practical ways to manage expenses.

Costs of Home Insemination, IUI, IVF & ICSI – 2025 Overview

Less Common Procedures & Add-On Fees

GIFT: ₹2,00,000–₹3,50,000 · Natural-Cycle IVF: ₹1,50,000–₹2,50,000 · Time-Lapse Embryo Monitoring: +₹50,000–₹75,000

Government Schemes & Subsidies

Currently, India has no central insurance mandate for fertility treatments. Some state governments (e.g. Tamil Nadu, Karnataka) offer partial grants or concessional packages for couples below specified income thresholds. Check your state health department portal or the ICMR website for any local assistance programmes.

Typical Out-of-Pocket Costs

  • Initial consultation & diagnostic tests: ₹5,000–₹15,000
  • Fertility medications: ₹20,000–₹60,000 per cycle
  • Monitoring (ultrasound & hormone panels): ₹10,000–₹25,000
  • Embryo freezing & storage (first year): ₹40,000–₹60,000; ₹15,000–₹25,000/year thereafter
  • Donor sperm (private): ₹15,000–₹30,000 per vial
  • Anaesthesia for egg retrieval: ₹20,000–₹35,000

New Technologies & Extra Charges

The WHO guideline on assisted reproduction advises carefully weighing the benefits of add-ons against their costs:

  • AI Embryo Grading (+₹40,000–₹80,000): AI-driven embryo selection.
  • Time-Lapse Incubator (+₹50,000–₹75,000): Continuous embryo monitoring for improved outcomes.
  • PGT-A (Genetic Screening) (₹2,00,000–₹3,50,000): Reduces miscarriage risk; recommended for age 35 +.
  • Microfluidic Sperm Sorting (+₹20,000): Enriches motile sperm for injection.

Saving Money with Private Sperm Donation

Private donation through the RattleStork app eliminates bank and quarantine fees. Connect with screened donors starting at ₹15,000 per vial—often 50 % cheaper than traditional sperm banks.

RattleStork – the sperm donation app
Figure: RattleStork – the sperm donation apps

Five Tips to Reduce Your Costs

  • Use tax exemptions under Section 80DDB for medical expenses.
  • Compare package deals at multiple clinics for multi-cycle discounts.
  • Check for grants from NGOs like RESOLVE grants.
  • Choose generic medications when clinically appropriate.
  • Maintain detailed records to claim all eligible expenses on your ITR.

Conclusion – Balancing Cost & Hope

Assisted reproductive treatments require a significant investment. By knowing current fees, exploring subsidies, and applying smart cost-saving measures, you can pursue parenthood in India in 2025 without compromising your budget.

Frequently Asked Questions (FAQ)

Home Insemination costs about ₹20,000–₹40,000 per attempt; IUI is ₹25,000–₹80,000 per cycle; IVF ranges from ₹1,00,000–₹2,00,000 per cycle; and ICSI adds another ₹50,000–₹1,00,000 on top of IVF.

Some state governments (e.g. Tamil Nadu, Karnataka) offer partial grants or concessional packages for couples below certain income thresholds. Check your State Health Department portal or the ICMR website for details.

Private sperm donation through RattleStork starts at around ₹15,000 per vial—often up to 50 % cheaper than a traditional sperm bank, as bank and quarantine fees are eliminated.

Budget for initial consultation & diagnostics (₹5,000–₹15,000), monitoring (₹10,000–₹25,000), medications (₹20,000–₹60,000 per cycle), embryo freezing (₹40,000–₹60,000 first year; ₹15,000–₹25,000 thereafter) and anaesthesia (₹20,000–₹35,000).

Yes. AI Embryo Grading adds ₹40,000–₹80,000; Time-Lapse Incubator ₹50,000–₹75,000; PGT-A genetic screening ₹2,00,000–₹3,50,000; and Microfluidic Sperm Sorting around ₹20,000 per cycle.

Use tax exemptions under Section 80DDB, compare multi-cycle package deals, apply for NGO grants (e.g. RESOLVE), opt for generic medications, and claim all eligible expenses on your ITR.

Yes—medical expenses, including fertility treatments, can be claimed under Section 80DDB of the Income Tax Act. Maintain detailed bills and receipts for filing.

Absolutely. Clinic fees and available subsidies differ across states and major cities—check local regulations and offerings in your specific region.

Fertility drugs generally cost ₹20,000–₹60,000 per cycle, depending on dosage and whether branded or generic medicines are prescribed.

Request a written cost estimate from your chosen clinic and verify any state-level subsidies or private insurance coverage before beginning your cycle to avoid unexpected expenses.