Patient guide
Fertility Treatment Costs & Finance Options
A realistic guide to understanding IVF costs in India, available EMI and financing options, and how to plan financially for your treatment.
IVF Costs in India — Realistic Range
- IUI: ₹8,000 – ₹15,000 per cycle
- IVF (basic): ₹1.2L – ₹2.5L per cycle
- IVF + ICSI: ₹1.5L – ₹3L per cycle
- IVF + PGT-A (genetic testing): ₹2.5L – ₹4.5L per cycle
- Frozen Embryo Transfer (FET): ₹50,000 – ₹1L
- Egg Freezing: ₹80,000 – ₹1.5L (+ annual storage)
- Donor Egg IVF: ₹2.5L – ₹4L
What is Often Additional (Not in Package)
- Medications / stimulation injections — ₹30,000–₹80,000 typically
- PGT-A / ERA / additional diagnostic tests
- Surgical sperm retrieval
- Storage beyond year 1
EMI & Finance Options at Iswarya
- Bajaj Finserv: 0% No-cost EMI up to 24 months
- SaveIn: 0% select plans up to 18 months
- HDFC / ICICI Bank: Medical loans from 10.5% p.a. up to 60 months
- Fibe / CreditBee: Instant personal loans, quick disbursal
Financial Planning Tips
- Get a complete cost estimate upfront — ask what is NOT included
- Budget for medications separately — often the largest variable cost
- Plan for 2–3 cycles — cumulative success rates are higher than single-cycle rates
- Ask about multi-cycle package discounts
- Check for employer benefits — some IT and MNC companies cover fertility treatment