IVF Cost in India 2026: Test Tube Baby Cost & Low Cost IVF Centres Guide
Introduction
In Vitro Fertilization (IVF), commonly known as test tube baby treatment, has emerged as a beacon of hope for millions of couples struggling with infertility in India. With approximately 17.5% of adults globally experiencing infertility (roughly 1 in 6 couples), the demand for assisted reproductive technology (ART) has grown exponentially[1].
India has positioned itself as a leading destination for affordable IVF treatment while maintaining international quality standards. The cost-effectiveness combined with advanced medical infrastructure makes India an attractive option for both domestic and international patients seeking fertility treatment.
This comprehensive guide explores the IVF cost in India, factors affecting pricing, low-cost IVF centres, government schemes, success rates, and everything you need to know to make an informed decision about your fertility journey.
In Vitro Fertilization (IVF) is an advanced assisted reproductive technology where fertilization occurs outside the body in a laboratory setting. The process involves:
- Ovarian Stimulation: Hormonal medications stimulate the ovaries to produce multiple eggs
- Egg Retrieval: Mature eggs are collected through a minor surgical procedure
- Fertilization: Eggs are combined with sperm in a controlled laboratory environment
- Embryo Development: Fertilized eggs develop into embryos over 3-5 days
- Embryo Transfer: Selected healthy embryos are transferred to the uterus
The term "test tube baby" originates from the laboratory fertilization process, though modern IVF uses sophisticated petri dishes rather than test tubes. The first IVF baby in India was born in 1978, and since then, the technology has advanced significantly with improved success rates and reduced costs[2].
IVF Cost in India: Complete Breakdown (2026)
Basic IVF Cycle Cost Range
The average cost of IVF treatment in India varies significantly based on multiple factors. As of 2026, here's the comprehensive cost breakdown:
| Treatment Component | Cost Range (INR) |
| Initial Consultation & Diagnosis | ₹5,000 - ₹15,000 |
| Pre-IVF Medical Tests | ₹8,000 - ₹20,000 |
| Ovarian Stimulation Medications | ₹20,000 - ₹50,000 |
| Basic IVF Procedure (One Cycle) | ₹1,00,000 - ₹2,50,000 |
| ICSI (if required) | ₹20,000 - ₹50,000 |
| Embryo Freezing (Cryopreservation) | ₹15,000 - ₹40,000 |
| Frozen Embryo Transfer (FET) | ₹40,000 - ₹80,000 |
| Blastocyst Culture | ₹10,000 - ₹25,000 |
| Pre-implantation Genetic Testing (PGT) | ₹75,000 - ₹3,00,000 |
| Total Basic IVF Cost | ₹1,20,000 - ₹4,00,000 |
Table 1: Comprehensive IVF cost breakdown in India (2026)
Key Finding: The standard IVF cost in India ranges from ₹1,20,000 to ₹3,00,000 per cycle for basic treatment, which can increase to ₹4,00,000 or more with additional procedures[3][4].
Factors Affecting IVF Cost in India
The test tube baby cost varies considerably based on several critical factors:
- Clinic Location & Reputation: Metro cities (Delhi, Mumbai, Bangalore) charge ₹50,000-₹1,00,000 more than smaller cities
- Doctor's Experience: Renowned fertility specialists may charge premium consultation fees
- Technology & Infrastructure: Clinics with advanced laboratories and equipment typically have higher costs
- Patient Age & Medical History: Older patients or those with complex medical conditions may require additional procedures
- Number of IVF Cycles: Multiple attempts significantly increase overall costs
- Add-on Procedures: ICSI, PGT, donor eggs/sperm add to base costs
- Success Rate of Clinic: Higher success rate clinics may charge premium prices
| City/Region | Basic IVF Cost (INR) | With Advanced Procedures (INR) |
| Delhi NCR | ₹1,50,000 - ₹2,50,000 | ₹3,00,000 - ₹4,50,000 |
| Mumbai | ₹1,60,000 - ₹2,75,000 | ₹3,20,000 - ₹4,80,000 |
| Bangalore | ₹1,40,000 - ₹2,40,000 | ₹2,80,000 - ₹4,20,000 |
| Chennai | ₹1,30,000 - ₹2,30,000 | ₹2,60,000 - ₹4,00,000 |
| Hyderabad | ₹1,25,000 - ₹2,20,000 | ₹2,50,000 - ₹3,80,000 |
| Pune | ₹1,35,000 - ₹2,35,000 | ₹2,70,000 - ₹4,10,000 |
| Ahmedabad | ₹1,20,000 - ₹2,10,000 | ₹2,40,000 - ₹3,60,000 |
| Tier 2/3 Cities | ₹1,00,000 - ₹1,80,000 | ₹2,00,000 - ₹3,20,000 |
Table 2: City-wise IVF cost comparison across India (2026)
Finding affordable IVF treatment without compromising quality is a priority for many couples. Here are categories of low-cost IVF centres in India:
Government and Public Sector Hospitals
Government hospitals offer the most affordable IVF treatment in India, often at 40-60% lower costs than private centres[5].
- All India Institute of Medical Sciences (AIIMS), Delhi: Charity IVF programs at highly subsidized rates (₹30,000-₹80,000)
- Post Graduate Institute of Medical Education & Research (PGIMER), Chandigarh: Affordable treatment with long waiting periods
- Sanjay Gandhi Postgraduate Institute (SGPGI), Lucknow: Government-subsidized IVF programs
- King George's Medical University (KGMU), Lucknow: Low-cost fertility services
- Government Medical Colleges: Various state medical colleges offer subsidized ART services
Important Note: Government hospitals typically have waiting periods of 3-12 months and strict eligibility criteria based on income, age, and medical history[6].
Affordable Private IVF Centres
Several NABH-accredited and ICMR-registered private centres offer competitive pricing:
- Nova IVF Fertility: Multi-location chain with EMI options (₹1,20,000-₹2,00,000)
- Indira IVF: Widespread presence across India with transparent pricing
- Bloom IVF: Affordable packages in South India
- Milann Fertility: Competitive rates with high success rates
- World Fertility Services: Delhi-based affordable fertility clinic
Many low-cost IVF centres now offer flexible payment options:
- EMI Plans: Monthly installments starting from ₹9,999/month[9]
- Package Deals: Multiple-cycle discounts (2-3 cycle packages)
- Shared-Risk Programs: Money-back guarantees if pregnancy not achieved
- Insurance Tie-ups: Collaboration with health insurance providers
While IVF is not covered under PM-JAY (Pradhan Mantri Jan Arogya Yojana) at the national level as confirmed by the Ministry of Health in February 2026[10], several state-specific schemes and programs provide financial assistance:
State Government IVF Schemes
| State | Scheme Details |
| Tamil Nadu | Tamil Nadu ART Act scheme - Free/subsidized IVF for eligible couples |
| Rajasthan | Rajasthan Government ART Policy - Subsidized treatment for economically disadvantaged |
| Sikkim | Sikkim Vatsalya Yojana (2022) - Financial aid up to ₹3 lakhs for IVF treatment |
| Maharashtra | Free IVF trials at government hospitals for eligible couples |
| Uttar Pradesh | Subsidized IVF at government hospitals in Lucknow and other cities |
| Madhya Pradesh | Subsidized fertility treatment for women eligible under health programs |
Table 3: State-wise government IVF schemes in India
Central Government Programs
- Jiyo Parsi Program: Ministry of Minority Affairs initiative providing free or subsidized fertility treatment for Parsi couples to address population decline[10]
- Ayushman Bharat (PM-JAY): Covers up to ₹5 lakhs annually for certain medical procedures; however, IVF is currently not included in the standard package[10][11]
- Employee State Insurance Scheme (ESIS): For employees earning up to ₹21,000/month - IVF may be covered subject to medical requirements[11]
- Central Government Health Scheme (CGHS): Limited coverage for government employees based on panel doctor recommendations[11]
Most government IVF programs require:
- Income Limit: BPL card holders or annual income below ₹2 lakhs
- Age Restrictions: Typically women aged 23-40 years
- Duration of Infertility: Minimum 2-3 years of documented infertility
- Medical Documentation: Comprehensive medical history and test results
- Marital Status: Legally married couples (proof required)
- Residence Proof: State domicile certificate.
Understanding IVF success rates is crucial for planning treatment and managing expectations. Success rates vary significantly based on patient age, which is the most critical factor[7].
Age-wise Success Rates
| Age Group | Success Rate | Pregnancy Rate | Live Birth Rate | Cycles Needed |
| Under 30 years | 55-60% | 50-55% | 45-50% | 1-2 |
| 30-34 years | 50-55% | 45-50% | 40-45% | 1-2 |
| 35-37 years | 40-50% | 35-45% | 30-40% | 2-3 |
| 38-40 years | 30-40% | 25-35% | 20-30% | 2-4 |
| 41-42 years | 20-30% | 15-25% | 12-20% | 3-5 |
| Over 42 years | 11-15% | 8-12% | 5-10% | 4-6+ |
Table 4: IVF success rates in India by age group (2026 data)
Key Insights:
- Women under 35 have the highest success rates (50-60% per cycle)[7][8]
- Success rates decrease significantly after age 38
- Overall average IVF success rate in India: 30-40% per cycle[8]
- ICSI (Intracytoplasmic Sperm Injection) shows slightly higher success rates than conventional IVF[12]
| Clinic Name | Location | <35 yrs | 35-37 yrs | 38-40 yrs | >40 yrs |
| Milann Fertility | Pune | 54% | 44% | 34% | 19% |
| World Fertility Services | Delhi | 53% | 43% | 32% | 18% |
| Bloom IVF | Bangalore | 52% | 42% | 33% | 18% |
| Go IVF Surrogacy | Gurgaon | 51% | 41% | 31% | 16% |
| Indira IVF | Delhi | 50% | 40% | 30% | 15% |
Table 5: Leading IVF centres in India with age-specific success rates (2026)
The Assisted Reproductive Technology (Regulation) Act, 2021 and the Surrogacy (Regulation) Act, 2021 were introduced by the Government of India to ensure safe and ethical practices in fertility treatment[13].
Key Provisions of ART Act 2021
- Registration of ART Clinics: All IVF centres must be registered with the National Registry and State Registries
- ICMR Guidelines Compliance: Clinics must follow Indian Council of Medical Research (ICMR) operational guidelines[14]
- Patient Rights Protection: Ensures informed consent, confidentiality, and quality standards
- Insurance Coverage: Mandates insurance for oocyte donors and surrogate mothers
- National and State ART Boards: Regulatory oversight for monitoring compliance
- Penalties for Violations: Strict penalties for unethical practices, sex selection, and exploitation
The National Accreditation Board for Hospitals & Healthcare Providers (NABH) has launched specific accreditation standards for ART clinics[15]. Key benefits include:
- Standardized Clinical Protocols: Evidence-based treatment guidelines
- Quality Assurance: Regular audits and performance monitoring
- Infection Control: Strict sterilization and hygiene protocols
- Patient Safety: Minimized risks and improved outcomes
- Transparency: Clear documentation and cost disclosure
Selecting an affordable IVF centre requires balancing cost with quality. Here's a comprehensive checklist:
Critical Selection Criteria
- Accreditation & Registration
- NABH accreditation
- ICMR registration
- ART Act 2021 compliance
- Success Rates
- Age-specific success rates
- Transparency in reporting outcomes
- Comparison with national averages
- Doctor Credentials
- Board-certified reproductive endocrinologists
- Years of experience
- Patient reviews and testimonials
- Laboratory Standards
- ISO-certified embryology laboratory
- Advanced equipment and technology
- Experienced embryologists
- Cost Transparency
- Detailed cost breakdown
- No hidden charges policy
- Written quotations
- Financial Options
- EMI availability
- Package deals
- Insurance acceptance
- Support Services
- Counseling services
- 24/7 patient support
- Post-treatment care
- Guaranteed Success Claims: No ethical clinic can guarantee pregnancy
- Unusually Low Prices: May indicate compromised quality or hidden costs
- Lack of Transparency: Unwillingness to share success rates or credentials
- Pressure Tactics: Pushing for immediate decisions or unnecessary procedures
- No Proper Registration: Operating without ICMR registration or state authorization
Understanding the IVF procedure helps in planning and preparation:
Phase 1: Initial Consultation (Week 1-2)
- Comprehensive medical history review
- Physical examination of both partners
- Preliminary fertility assessment
- Treatment plan discussion
- Cost: ₹5,000-₹15,000
- Hormone level testing (FSH, LH, AMH, Estradiol)
- Ultrasound scans (transvaginal)
- Semen analysis
- Infectious disease screening
- Genetic testing (if required)
- Cost: ₹8,000-₹20,000
- Daily hormone injections for 10-14 days
- Regular monitoring via ultrasound and blood tests
- Egg maturation tracking
- Trigger shot administration
- Cost: ₹20,000-₹50,000 (medications)
- Minimally invasive surgical procedure
- Sedation or anesthesia
- Ultrasound-guided egg collection
- Recovery period: 2-4 hours
- Cost: Included in basic IVF package
- Sperm preparation and selection
- Conventional IVF or ICSI procedure
- Embryo development monitoring (3-5 days)
- Blastocyst culture (if applicable)
- Cost: ₹1,00,000-₹2,00,000 (base procedure)
- Selection of best quality embryo(s)
- Painless catheter-based transfer
- Short rest period
- Progesterone supplementation begins
- Cost: Included in basic package
- Blood test for beta-hCG levels
- Confirmation of pregnancy
- Early ultrasound (if positive)
- Cost: ₹500-₹2,000
Frozen Embryo Transfer (FET)
If fresh transfer is unsuccessful or embryos are frozen for future use:
- Embryo Freezing: ₹15,000-₹40,000
- Annual Storage Fees: ₹5,000-₹15,000
- FET Cycle: ₹40,000-₹80,000
| Donor Service | Additional Cost (INR) |
| Egg Donor Program | ₹50,000 - ₹1,50,000 |
| Sperm Donor Program | ₹5,000 - ₹15,000 |
| Embryo Donation | ₹30,000 - ₹80,000 |
Table 6: Donor service costs in IVF treatment
Advanced Procedures
- Pre-implantation Genetic Testing (PGT): ₹75,000-₹3,00,000
- Assisted Hatching: ₹10,000-₹25,000
- Testicular Sperm Extraction (TESA/PESA): ₹30,000-₹60,000
- Laparoscopy/Hysteroscopy: ₹40,000-₹1,00,000
- Nutritional Supplements: ₹3,000-₹8,000/month
- Acupuncture/Complementary Therapy: ₹5,000-₹20,000
- Travel & Accommodation (if clinic is in another city): ₹20,000-₹1,00,000
- Time Off Work: Consider lost income during treatment
Budgeting for Multiple Cycles
Since the average success rate is 30-40% per cycle, couples should financially prepare for multiple attempts:
| Number of Cycles | Total Cost Range (INR) | Cumulative Success Probability |
| 1 Cycle | ₹1,20,000 - ₹2,50,000 | 30-40% |
| 2 Cycles | ₹2,40,000 - ₹5,00,000 | 50-65% |
| 3 Cycles | ₹3,60,000 - ₹7,50,000 | 65-80% |
| 4 Cycles | ₹4,80,000 - ₹10,00,000 | 75-85% |
Table 7: Multi-cycle IVF cost and cumulative success rates
Cost-Saving Strategies
- Choose Multi-Cycle Packages: 10-20% discount compared to single cycles
- Generic Medications: Opt for generic fertility drugs instead of branded (30-40% savings)
- Government Hospital Options: Explore subsidized programs despite waiting periods
- Medical Tourism: Consider Tier 2/3 cities with equal quality at lower costs
- Health Insurance: Check if your policy covers any fertility investigations
- Shared Risk Programs: Some clinics offer refund options if pregnancy not achieved
- Natural/Mild IVF: Lower medication doses reduce costs by 20-30%
- Employer Benefits: Some companies now include fertility treatment in health benefits
Under Section 80D of the Income Tax Act, medical expenses may be claimed for certain treatments. Consult a tax advisor for specific eligibility regarding IVF treatment expenses.
| Treatment | Cost (INR) | Success Rate | Best For |
| IUI (Intrauterine Insemination) | ₹10,000 - ₹20,000 | 10-20% | Mild male/female issues |
| IVF (In Vitro Fertilization) | ₹1,20,000 - ₹2,50,000 | 30-40% | Moderate to severe infertility |
| ICSI (IVF with ICSI) | ₹1,40,000 - ₹3,00,000 | 35-45% | Male factor infertility |
| Egg Freezing | ₹1,50,000 - ₹2,50,000 | N/A | Fertility preservation |
| Surrogacy | ₹18,00,000 - ₹25,00,000 | 50-60% | Uterine issues |
Table 8: Comparison of fertility treatment costs and success rates
Frequently Asked Questions (FAQs)
1. What is the average cost of IVF treatment in India in 2026?
The average IVF cost in India ranges from ₹1,20,000 to ₹3,00,000 per cycle for basic treatment. With additional procedures like ICSI, PGT, or donor services, costs can increase to ₹4,00,000 or more[3][4].
2. Which state in India provides free IVF treatment?
Tamil Nadu, Rajasthan, and Sikkim offer free or subsidized IVF treatment through state government schemes for eligible low-income couples[6][10]. Sikkim's Vatsalya Yojana provides financial aid up to ₹3 lakhs.
3. Is IVF covered under Ayushman Bharat (PM-JAY) scheme?
No, as of February 2026, IVF and ART treatments are not covered under the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) scheme, as confirmed by the Ministry of Health and Family Welfare[10].
4. What is the success rate of IVF in India?
The overall IVF success rate in India is approximately 30-40% per cycle. For women under 35, success rates can reach 50-60%, while for women over 40, rates drop to 11-20%[7][8].
5. How many IVF cycles are typically needed for successful pregnancy?
Most couples achieve pregnancy within 2-3 IVF cycles. The cumulative success rate after three cycles is approximately 65-80%, depending on age and other factors[7].
6. What is the difference between IVF and test tube baby?
IVF (In Vitro Fertilization) and test tube baby refer to the same procedure. The term "test tube baby" is a colloquial expression for babies conceived through IVF, where fertilization occurs in a laboratory setting outside the body[2].
7. Are there EMI options available for IVF treatment?
Yes, many low-cost IVF centres in India offer EMI payment plans starting from ₹9,999 per month, making treatment more accessible to couples[9].
8. What is the cost of IVF in government hospitals?
Government hospitals like AIIMS Delhi offer subsidized IVF treatment ranging from ₹30,000 to ₹80,000, which is 50-70% cheaper than private clinics. However, there are typically waiting periods of 3-12 months[5][6].
9. Does insurance cover IVF treatment in India?
Most standard health insurance policies in India do not cover IVF treatment. However, some specific policies and employer health plans may include fertility treatment coverage. ESIS and CGHS offer limited coverage for eligible employees[11].
10. What is ICSI and how much does it cost?
ICSI (Intracytoplasmic Sperm Injection) is a specialized IVF technique where a single sperm is directly injected into an egg. It's primarily used for male factor infertility and costs an additional ₹20,000-₹50,000 on top of basic IVF charges[4][12].
11. How can I find NABH-accredited IVF centres?
You can verify NABH accreditation by visiting the official NABH website or asking the clinic for their accreditation certificate. Always ensure the clinic is also ICMR-registered and complies with the ART Act 2021[15][16].
12. What is the cheapest city for IVF treatment in India?
Tier 2 and Tier 3 cities typically offer the most affordable IVF treatment, with costs ranging from ₹1,00,000 to ₹1,80,000 per cycle. Cities like Ahmedabad, Lucknow, and Jaipur are known for quality yet affordable fertility care.
13. Can single women undergo IVF in India?
Yes, under the ART Act 2021, single women can undergo IVF treatment in India. However, eligibility and availability may vary by clinic and state regulations[13].
14. What is the cost of egg freezing in India?
Egg freezing (oocyte cryopreservation) costs between ₹1,50,000 to ₹2,50,000 for the initial procedure, plus annual storage fees of ₹5,000-₹15,000.
15. Are there any charitable organizations that help with IVF costs?
Yes, organizations like the Ramakrishna Mission and trust-based programs at AIIMS Delhi occasionally organize free fertility camps and provide subsidized IVF treatment. Waiting periods of up to 6 months may apply[6].
16. What documentation is required for government IVF schemes?
Typically required documents include: BPL card or income certificate (below ₹2 lakhs annually), age proof, marriage certificate, medical history and infertility reports, state domicile certificate, and Aadhar card[6].
17. How long does one IVF cycle take?
A complete IVF cycle takes approximately 4-6 weeks from the start of ovarian stimulation to the pregnancy test, with active treatment spanning about 2-3 weeks.
18. What is the ideal age for IVF treatment?
The ideal age for IVF is under 35 years when success rates are highest (50-60%). Success rates decline significantly after age 38, and treatment becomes considerably less effective after age 42[7][8].
19. Can we choose the gender of baby through IVF in India?
No, sex selection is strictly prohibited in India under the Pre-Conception and Pre-Natal Diagnostic Techniques (PCPNDT) Act and the ART Act 2021, except for medical reasons related to genetic disorders[13].
20. What happens to unused frozen embryos?
Frozen embryos can be stored for future cycles, donated to other couples (with consent), donated for research, or discarded based on the couple's wishes. Storage fees apply annually (₹5,000-₹15,000).
IVF treatment in India has become increasingly accessible and affordable, with costs ranging from ₹1,20,000 to ₹4,00,000 per cycle depending on the clinic, location, and procedures required. The combination of low-cost IVF centres, government schemes, EMI options, and world-class medical infrastructure makes India an attractive destination for fertility treatment.
When choosing an IVF centre, prioritize NABH accreditation, ICMR registration, transparent success rates, and experienced medical professionals over cost alone. Remember that age is the most critical factor in IVF success, with women under 35 having the highest pregnancy rates.
For couples facing financial constraints, exploring state government schemes, subsidized programs at government hospitals, and multi-cycle packages can significantly reduce the financial burden. Always verify the clinic's credentials and ensure compliance with the ART Act 2021 for safe and ethical treatment.
The journey to parenthood through assisted reproductive technology requires careful planning, emotional resilience, and informed decision-making. With proper research, financial preparation, and the right medical support, the dream of having a test tube baby can become a reality for thousands of Indian couples.
Medical Disclaimer: This article is for informational and educational purposes only and does not constitute medical advice. IVF and fertility treatments are complex medical procedures that require personalized assessment by qualified fertility specialists. Success rates, costs, and treatment protocols vary significantly based on individual medical conditions, age, and other factors.
Accuracy Disclaimer: While every effort has been made to ensure the accuracy of the information presented, IVF costs, success rates, and government schemes are subject to change. Readers are strongly advised to:
- Consult certified reproductive endocrinologists and fertility specialists
- Verify current costs directly with IVF centres
- Confirm eligibility for government schemes with respective state authorities
- Check accreditation status with NABH and ICMR before selecting a clinic
- Review insurance coverage details with your provider
Financial Planning: Readers should conduct thorough financial planning and consider all costs, including multiple cycles, medications, and ancillary procedures. The cost ranges mentioned are approximate and based on 2026 data.
Liability: The author and publisher are not liable for any decisions made based on this information. Always seek professional medical and financial advice before undertaking IVF treatment.
Ethical Standards: Always choose ICMR-registered and NABH-accredited facilities that comply with the Assisted Reproductive Technology (Regulation) Act, 2021, and maintain ethical standards in fertility care.
References
[1] World Health Organization. (2023). Infertility prevalence estimates, 1990-2021. WHO Newsletter, April 4, 2023.
[2] World Fertility Services. (2026). Test tube baby cost in India 2026. https://worldfertilityservices.com/blog/test-tube-baby-cost-in-india/
[3] Sci IVF. (2026). IVF treatment cost packages in India 2026. https://www.sciivf.com/blog/ivf-treatment-cost-in-india
[4] Vardaan Medical Center. (2026). What is the total cost of test tube baby? https://vardaanmedicalcenter.com/blog/what-is-the-total-cost-of-test-tube-baby/
[5] Arva Health. (2026). What is test tube baby/ in vitro fertilization cost? https://www.arva.health/blogs/fertility-treatments/what-is-test-tube-baby-in-vitro-fertilization-cost
[6] World Fertility Services. (2026). Free IVF treatment in India 2026 - Government schemes. https://worldfertilityservices.com/blog/free-ivf-treatment-in-which-state/
[7] World Fertility Services. (2026). IVF success rate in India by age group - Latest 2026 data. https://worldfertilityservices.com/blog/ivf-success-rate-in-india-by-age/
[8] Gaudium IVF Centre. (2024). IVF success rates in India: What you need to know. https://www.gaudiumivfcentre.com/blog/ivf-success-rates-in-india-what-you-need-to-know/
[9] Iswarya Fertility. (2026). Best IVF treatment India. https://iswaryafertility.com
[10] New Indian Express. (2026, February 13). IVF not covered under PM-JAY: Minister Prataprao Jadhav in Lok Sabha. https://www.newindianexpress.com/nation/2026/Feb/13/ivf-not-covered-under-pm-jay-minister-prataprao-jadhav-in-lok-sabha
[11] Ayuh Fertility Centre. (2026). IVF in India – Government schemes & insurance you should know. https://ayuhfertilitycentre.com/ivf-government-schemes-insurance-india/
[12] IVF Surrogacy. (2026). ART success rate in India 2026. https://ivfsurrogacy.com/success-rates/
[13] Indian Council of Medical Research (ICMR). (2026). The assisted reproductive technology (regulation) act, 2021. https://www.icmr.gov.in/the-assisted-reproductive-technology-regulation-act-2021-and-the-surrogacy-regulation-act-2021
[14] Indian Council of Medical Research (ICMR). (2004). National guidelines for accreditation, supervision & regulation of ART clinics in India. https://main.icmr.nic.in/sites/default/files/art/ART_Pdf.pdf
[15] National Accreditation Board for Hospitals & Healthcare Providers (NABH). (2026). Accreditation standards for assisted reproductive technology (ART) clinics.
[16] Medigence. (2024). Best hospitals for infertility in India. https://medigence.com/clinics/infertility/all/india
