Understanding the Factors Affecting IVF Cost in Navi Mumbai
August 12, 2025
- Having a family is something every couple aspires for. However, at times, getting pregnant naturally is not possible. If that is your situation as well, your fertility expert could suggest in vitro fertilisation (IVF) to you.
- IVF provides you with an alternative solution when other procedures fail. But the whole process of this treatment is a medically planned journey towards parenthood.
- In a crowded city like Navi Mumbai, more and more couples are opting for IVF with increasing faith in local fertility clinics and their hectic lifestyle. But the question remains: How much will IVF cost in Navi Mumbai? There is no one answer.
- The cost of IVF can differ from individual to individual. Every component of the treatment is priced. On top of that, your age, medical history, clinic you go to, and number of cycles you require will all influence the overall price. So, keep reading for the entire process and the entire cost breakdown of IVF.
Cost of Each IVF Treatment Stage in Navi Mumbai
Navi Mumbai has become a trusted destination for IVF, where couples have access to skilled specialists, advanced labs, and more affordable care than what they would find in South Mumbai. As the IVF treatment is completed in several steps, the overall cost varies with the individual case and the steps involved. The table below summarises the cost range of these components:
|
Component |
Details |
Estimated Cost (₹) |
|
First Consultation |
Initial fertility review, medical history assessment, treatment planning |
₹1,000 – ₹2,500 |
|
Fertility Tests |
Hormone panels, pelvic ultrasound, semen analysis |
₹5,000 – ₹15,000 |
|
Ovarian Stimulation |
Hormone injections over 10–12 days to stimulate egg production |
₹30,000 – ₹60,000 |
|
Egg Retrieval |
Outpatient procedure under anaesthesia to collect mature eggs |
₹20,000 – ₹35,000 |
|
Sperm Collection & Preparation |
Sample collection and lab preparation to isolate healthy sperm |
₹5,000 – ₹10,000 |
|
Fertilisation & Embryo Culture |
Eggs and sperm combined in lab; embryos cultured and monitored |
₹20,000 – ₹30,000 |
|
Embryo Transfer |
Selected embryo transferred to uterus with guided support and timing |
₹15,000 – ₹25,000 |
|
Pregnancy Test & Follow-up |
Blood test to confirm pregnancy, early ultrasounds, and consultation |
₹2,000 – ₹5,000 |
Key Factors Affecting the Cost of Your IVF Cycle in Navi Mumbai
Though the average cost of IVF in Navi Mumbai typically ranges from ₹1.2 lakhs to ₹2.5 lakhs, the actual amount you need to pay will differ depending on a few factors:
Location and Reputation
Clinics in high-end or central locations of Navi Mumbai simply charge more because their operating expenses are higher. Added to that, clinics with a good reputation, particularly those with high success rates and quality care, usually charge more. Most couples are happy to pay a little extra for peace of mind and reliable results.
Doctor’s Experience
The fees will be higher for experienced specialists. However, with that experience comes better confidence, improved decision-making, and higher success rates. It is a small price to pay for the comfort of knowing that you are in skilled hands.
Technology and Equipment
A few of the best clinics in Navi Mumbai employ modern technologies such as AI-based embryo selection, laser hatching, and time-lapse imaging. However, these enhance success rates at a premium price.
Medications Used
The cost of hormone injections and fertility medications varies greatly. In Navi Mumbai, imported drugs are more accessible through high-end pharmacies, but they cost more. Your prescription depends on how your body responds, especially if you are over 35 or have PCOS.
Type of IVF Cycle
Comprehensive procedures such as ICSI, donor IVF, frozen embryo transfers (FET) or gestational surrogacy are more expensive. Navi Mumbai clinics often provide package pricing but these will change depending on add-ons like genetic testing or embryo storage.
Infrastructure and Accreditation
NABH-accredited clinics or ICMR-approved clinics tend to spend more on lab quality and employee training, which further increases the overall expense. These practices are prevalent in better facilities in Navi Mumbai and translate into positive results.
Continuous Support For Later Stages
To provide holistic care, many of the Navi Mumbai clinics offer diet counseling, mental health care, and post-IVF follow-ups as part of their packages. These services are provided for added value, but they will also add a bit to the initial cost, particularly in full-service centres.
Need for Donor Eggs or Sperm
If your fertility specialist suggests the use of donor eggs or sperm, usually required in situations of poor egg quality, low sperm level, or hereditary issues, your IVF Cost in Navi Mumbai will increase by ₹30,000 to ₹80,000 or more. While donor services can be found throughout most of Navi Mumbai, the price is typically variable.
Embryo Freezing and Storage
In Navi Mumbai, most couples opt to freeze additional embryos for future use. Freezing the embryos usually costs between ₹15,000 to ₹30,000, and the yearly storage charge is ₹5,000 to ₹10,000. This is a viable alternative for people intending more than one child or for someone wanting to postpone their next pregnancy without going through the entire cycle again.
Pre-Genetic Testing (PGT)
Preimplantation Genetic Testing (PGT) is an optional add-on that screens embryos for genetic issues before implantation. Many fertility clinics in Navi Mumbai offer PGT as part of the process, which will add around ₹25,000 to ₹50,000 to your total bill.
Requirement for Multiple IVF Cycles
You might not become pregnant within the first cycle. Most couples take two or more cycles to notice an effect. Every round involves repeating the same series of steps. That also translates into more expense. To make it more convenient, some clinics provide multi-cycle packages or EMI options so that the financial burden is reduced.
Lifestyle and Health Status
Underlying medical conditions like obesity, PCOS, thyroid problems, or diabetes can reduce the chances of IVF success and must be treated in advance. Your Navi Mumbai fertility doctor will recommend that you consult an endocrinologist, dietician, or fitness coach.
Health Insurance To Cover IVF Cycle Costs
When you’re thinking about fertility treatment, one of the first questions that might come up is whether your health insurance will cover any of the cost. Most plans still don’t pay for IVF. But that’s slowly starting to change. Some insurance companies now include coverage or offer it as an add-on.
Here’s what you need to know:
- The majority of standard health insurance policies in India do not cover IVF and related fertility treatments.
- These days, some insurance companies provide fertility add-on riders or specially created packages that consist of first consultations regarding fertility, injections and hormone therapy, ICSI or IVF procedures, lab and medication diagnostic expenses.
- If you have a job, ask your HR department about any group insurance extensions or fertility benefits.
- To find out if you can upgrade or if your plan offers IVF options, speak with your insurance agent directly.
- Recognise the terms of the policy, which could include:
- Waiting times (such as one to three years)
- Limitations on age
- Limits on the amount that can be claimed for each IVF cycle
- To prevent surprises later on and to know exactly what is and is not covered, always read the fine print.
Choose Apollo Fertility for Your IVF Journey in Navi Mumbai!
- Treatments like IVF are a hope for couples who constantly struggle to have a baby. However, the most important thing to understand is the costs involved in completing a specific step of the treatment. In general, IVF cost in Navi Mumbai can be expected between ₹1.2 lakhs to ₹2.5 lakhs or more.
- The price tag is finalised after considering several factors, like your health, the clinic you choose and any extra services you will require to achieve the highest success.
- If you are considering IVF, visit Apollo Fertility in Navi Mumbai. Our experienced embryologists and fertility specialists will provide personalised care, advanced treatment options, and honest guidance. So, book your consultation today.
