Surrogacy Cost in Gurugram (₹18–22 Lakh) | Licensed Low Cost Surrogacy Centres in Gurugram with Govt Registration 2026

Surrogacy Overview

Who doesn’t know Shah Rukh Khan, Priyanka Chopra, and Aamir Khan for their acting career? But did you know these celebrities have also chosen Surrogacy to grow their families? One might think surrogacy is a bit of an overdo for normal people like us, but it doesn’t have to be overwhelming because we are here at your assistance to simplify the whole surrogacy process and why it’s an option for many families today.

What is Surrogacy?

Let’s understand what surrogacy means. Surrogacy is when a woman, called the surrogate mother, agrees to carry and give birth to a child for another person or couple, and after birth, he/she becomes the legal responsibility of the intended parents.
 
Types of Surrogacy
There are two main types of Surrogacy: Traditional Surrogacy and Gestational Surrogacy

Gestational Surrogacy: This is pretty much the only type of surrogacy that has been performed lately. In this situation, a surrogate becomes pregnant with the eggs and sperm derived from the mother the father, or the donor, while the surrogate does not have any genetic ties to the child.
 
The table below explains the difference between the past techniques and the present advanced techniques available for Gestational Surrogacy:

Aspect	Past Technique	Present Technique
Genetic Link	Surrogate is often genetically related to the child	Surrogate is not genetically related to the child
Embryo Transfer	Only fresh embryo transfer was available	Fresh as well as frozen embryo transfer is available
IVF Success Rate	Low IVF success rates	High success rates with advanced technologies
Tests to check Genetic diseases/abnormalities	Not available	PGT can be done for embryo health assurance
Uterine Preparation protocols for a surrogate	Basic hormonal support	Advanced tailored protocols are available
Technological Tools	Basic lab equipment	Advanced incubators and cryopreservation techniques are available

 
Traditional Surrogacy: In this case, on the other hand, a surrogate mother is artificially inseminated with either the father’s frozen sperm or one from a donor. This means that the surrogate will turn out to be the child’s biological mother. Still, this type is for now practiced less frequently. The law is more favorable towards gestational surrogacy.

SUMMARY
Surrogacy involves a surrogate mother carrying a child for another couple, often due to infertility or medical issues. There are two main types: Traditional Surrogacy and Gestational Surrogacy.
 

What is the surrogacy process at Vinsfertility?

 "Bringing Dreams to Life, One Step at a Time with Vinsfertility"

At Vinsfertility, we believe in doing things with transparency where each step is taken care of with utmost sincerity while considering your priorities throughout the process. In the first, parents intending to use a surrogate mother, and the surrogate herself meet to sign contracts and conduct legal activities. Second, an application is submitted to the state board for approval, an evaluation by a district board, and finally a state board granting the final permission to continue with the surrogacy. After all these approvals have been received, IVF is carried out to create and transfer the embryos.

Now the embryo creation can be done by following two ways:

1. Using self-eggs and the intended father’s sperm

Self-eggs refer to the eggs from the intended mother

2. Using Donor eggs and intended father’s sperm

Donor eggs refer to the eggs from a female donor chosen by you and provided by the clinic.
If a divorced or widowed woman is applying for Surrogacy, embryo creation can be done

3. Using Donor sperm and the intended mother’s eggs or Donor eggs

Donor sperm refers to the eggs from the male donor chosen by you and provided by the clinic.
 
Pregnancy is then attained through a surrogate after proper care and attention has been given to her health. Legal procedures follow after the child has been born, the surrogate gets paid and finally, the baby is given to the intended parents.

 
SUMMARY
Vinsfertility provides virtual surrogacy services including consultation, surrogacy, profile assessment, and IVF technology with an above 90% success rate in metropolitan cities in India, specifically Gurugram
 

Do you need Surrogacy?

“When one door closes, another opens, bringing hope and happiness”.

 At Vinsfertility, we wish health and happiness for everyone, but we understand that infertility can be a challenging journey, So, don’t worry, we have got your back. Surrogacy offers a ray of hope for individuals and couples who face difficulties in conceiving naturally.

Surrogacy is followed by people or couples who do not find it easy to have children naturally. Like married couples, who are infertile these couples can be legally married for not less than “five years” and certified medically incompetent to conceive a child. Surrogacy can be opted by a couple where the intended mother is medically unable to conceive. Women with health-related Issues like women with no womb or deformed womb, cases of multiple miscarriages or failed procedures in IVF cycles, and health issues that will render pregnancy a threat to the woman’s life can also consider Surrogacy as an option.
 
SUMMARY
Surrogacy is a viable option for infertile couples, medically incompetent wombs, and women with health issues, providing a viable alternative to natural childbirth.
 

Who is eligible to opt for Surrogacy in Gurugram?

There are several eligibility criteria for couples or individuals seeking surrogacy as an option.
a. It is legal for only Indian citizens or Indian citizens occurring abroad to avail of Surrogacy in Gurugram, India.
b. In the case of Indian couple they can opt for Surrogacy in India after they have been married for 5 years or more.
c. Age is also a factor in deciding the eligibility for Surrogacy, permissible age for the intended mother is 23-50 years and 26-55 years for the intended father.
d. The intended parents’ medical reports confirm that they are unable to bear a child naturally.

SUMMARY
Surrogacy in India is legal for Indian citizens after 5 years of marriage, with permissible age for mothers and 26-55 for fathers, and medical reports confirming inability to bear a child.
 

How is a Surrogate Mother Selected and Arranged?

We respect the beliefs and ethics of every individual, especially in a culturally rich country like ours. At Vinsfertility, we understand that choosing a surrogate is a deeply personal decision, and you may have your terms and conditions for this process.

1. A surrogate mother is expected to fulfill several medical, psychological, and social conditions, which include age usually between 25 and 35 years. The health of Surrogate is expected to be in good health and has at least one successful pregnancy and childbirth and also has undergone an assessment by a psychiatrist to affirm that she is ready to engage in surrogacy.
2. Surrogates are most often sourced from clinics or agencies that are involved in ART processes. These centers have data of women ready to offer their services as surrogates and ensure all legal and medical aspects are adhered to.
3. Medical screening is extended to both, the intended parents and the surrogate, as well.
4. Preparations of the applicable legal framework are done with an emphasis on preparing a contract detailing the terms of engagement of the surrogate mother and the intended parents.

To ensure your comfort and satisfaction, we provide the best arrangements for Surrogates for you and your family to meet your expectations from our clinic. You will have the opportunity to choose the Surrogate that aligns the best with your preferences. Your journey towards parenthood is our top priority, and we are here to support you every step of the way.

SUMMARY
Surrogate mothers must meet medical, psychological, and social conditions, including being 25-35 years old, having a successful pregnancy, and having undergone a psychiatric assessment.
 

What is included in the surrogate mother’s expenses?

The intended parents cover only the surrogate’s medical expenses, nutrition during pregnancy and her 36-month insurance. Yet this does not mean that they can be employed, as it is stated that surrogacy should be done on altruistic grounds. Payments vary according to different factors such as clinic and medical procedures, surrogate’s medical history, number of pregnancies, and complexity of the procedure. This payment also depends on the costs that the IVF treatment and medical care and delivery expenses involve. In India surrogate services are legal and valued but are unpaid.

 
SUMMARY
Surrogate mothers in India receive no payment; only medical expenses, nutrition and gestational care are covered, and the exact amount depends on the clinic, the procedure and her medical history.
 

What are the Treatments involved in Surrogacy?

 

Treatment	Description	Specimen
IVF (In-Vitro Fertilization)	IVF is a method, where eggs are retrieved from the intended mother or egg donor and fertilized with sperm from the intended father in a laboratory.	Sperm Intended Father Sperm Donor Egg Intended Mother Egg Donor
IUI (Intra Uterine Insemination)	IUI is a process where sperm is directly placed into the uterus of the intended mother or surrogate during ovulation.	Sperm Intended Father Sperm Donor
ICSI (Intracytoplasmic Sperm Injection	ICSI is a specialized form of IVF where male infertility is a concern. In this procedure, a single sperm is injected directly into an egg to facilitate fertilization, ensuring that even with low sperm count or motility, fertilization can still occur.	Sperm Intended Father Sperm Donor Egg Intended Mother Egg Donor
PGT (Preimplantation Genetic Testing)	PGT is performed on embryos before they are transferred into the surrogate’s uterus. This test screens embryos for genetic disorders and chromosomal abnormalities, ensuring that only healthy embryos are selected for implantation.	Embryo Embryo formed after IVF/IUI Embryo Donor

 

SUMMARY
Surrogacy includes medical treatments like IVF, IUI, ICSI, and PGT which are all aimed at attaining maximum success rates.
 

Cost of Surrogacy in Gurugram

It needs to be noted that India ranks among the top countries offering fairly cheap surrogacy with good results. The anticipated cost of surrogacy in Gurugram is between INR 18 lakh to INR 22 lakh inclusive of costs such as medical expenses, the surrogate’s medical care and insurance, case coordination and legal charges. In the case of altruistic surrogacy which involves the use of a surrogate mother, such a woman may only be paid for expenses associated with her care and health during pregnancy, and may not be paid more than what is allowed by law in India.


What Factors can affect the Surrogacy cost in Gurugram

Reputation Factor of the clinic: Renowned clinics in Gurugram may tend to offer higher prices for their services in comparison to others.

Medical Background of the Surrogate: The surrogacy process may tend to be more challenging should the surrogate require extensive medical help or additional fertility procedures.

Multiple IVF Cycles: In case the number of IVF cycles provided is unsuccessful, there will be a need for further treatments or embryo transfers, which will affect the cost.
 
Legal Complications: As simple as surrogacy might be, it’s always known that some of the components may make parents pay more. For instance, where there are complexities related to parentage throughout the procedure of surrogacy, the costs in the legal undertaking will be higher. 

Twin Pregnancy and Caesarean Delivery: Sometimes it happens that a surrogate woman gives birth to twin babies or when surgery is needed during delivery called cesarean. In such instances, the overall costs of covering the surrogacy may go high because so many medical procedures would have to be done.

Tests and Scans Costs for Surrogacy in Gurugram
 

Tests/scans (for intended parents and surrogate)	Purpose	Cost
Blood Tests for Hormone Levels	Evaluate hormone levels (FSH, LH, TSH)	INR 1,500-5,000
Blood Tests for Infections (Disease Screening)	Check for HIV, Hepatitis B/C, Syphilis, etc.	INR 3,000-7,000
AMH tests (Anti-Mullerian Hormone)	Assess ovarian reserve	INR 2,000-4,000
Pelvic Ultrasound (transvaginal and abdominal)	Examine the uterus, ovaries, and endometrium health	INR 1,500-3,500
Hysteroscopy	Detect uterine abnormalities	INR 15,000-25,000
Semen analysis	Assess sperm quality and motility	INR 800-2,000
Genetic Testing (e.g., Karyotyping)	Check for genetic abnormalities	INR 5,000- 10,000
Mock Embryo Transfer	Simulate the embryo transfer process	INR 5,000-10,000
HSG (Hysterosalpingography)	Check fallopian tube patency	INR 5,000-8,000
Preimplantation Genetic Testing (PGT)	Screen embryos for genetic issues.	INR 20,000-50,000
Beta-HCG Test	Confirms pregnancy	INR 500-1,000
Early Pregnancy Scans	Monitor early embryo development	INR 1,000-3,000 per scan
Thyroid Function Tests	Checks the level of TSH, T3, and T4 levels.	INR 800-2500
Prolactin Test	Measures prolactin levels in blood	INR 800-1,500
Vitamin D Levels	Checks for deficiencies affecting fertility	INR 800-1,500
Fetal Anomaly Scan	Assess fetus health in later pregnancy stages.	INR 3,000- 5,000
Total cost		INR 67,700 – 1,45,000 (with 3 early scans)

 
 
Surrogacy Procedure Cost in Gurugram
 

Procedure	Description	Estimated Cost
Initial consultation	The first step involves meeting with fertility experts to discuss medical, legal, and procedural details.	INR 10,000 – ₹20,000
State board approval	Submission of documents to obtain official approval from the state regulatory board.	INR 30,000 – INR 50,000
District board verification	Verifying eligibility and obtaining the necessary permissions from the district authorities.	INR 20,000 – INR 30,000
Final state board approval	Final clearance from the state board to proceed with the surrogacy process.	INR 10,000 – INR 15,000
Surrogate Medical Screening	Medical and legal eligibility screening of the surrogate.	INR 1,50,000 – INR 2,00,000
IVF process	Includes egg retrieval, fertilization, and embryo transfer using advanced IVF techniques.	INR 1,50,000 – INR 2,00,000
Embryo transfer procedure	Transferring embryos inside the surrogate’s uterus.	INR 20,000 – INR 40,000
Embryo freezing and PGT lab charges	Freezing, storage and genetic testing of embryos before transfer.	INR 2,05,000 – 2,25,000
Pregnancy and medical care	Covers regular health check-ups, prenatal care, and medical support for the surrogate.	INR 3,50,000 – INR 4,00,000
Mandatory 36-month insurance for the surrogate	Health insurance for the surrogate, required under the Surrogacy (Regulation) Act, 2021.	INR 1,35,000 – 1,60,000
Delivery and legal formalities	Includes hospital delivery charges and completion of all legal documentation for parental rights.	INR 1,00,000 – INR 1,50,000
Legal documentation and parentage order	Agreements, court order and birth certificate in the intended parents’ names.	INR 3,40,000 – 3,55,000
Case coordination and management	Coordination of appointments, approvals and support for 12–18 months.	INR 2,80,000 – 3,55,000
Total duration- 12-18 months	The entire surrogacy process typically takes 12-18 months to complete.	INR 18,00,000 – 22,00,000

 
Add on Costs for Surrogacy in Gurugram
 

Protocols	Cost (INR)	Notes
Additional Costs for Donor Eggs	INR 1,50,000 to INR 2,50,000	This cost adds up to the total cost when you use donor eggs instead of self-eggs.
Additional Costs for Donor Sperms	INR 25,000 to INR 65,000	When there is low motility and sperm quality is poor, donor sperms are used which adds up to the total costs.
Additional IVF cycles	INR 1,50,000 to 2,00,000 per cycle	Necessary if the initial cycle does not result in successful embryo transfer.
Additional embryos transfer	INR 50,000 to 1,00,000 per transfer	Cost depends on whether embryos are frozen or fresh
Cesarean Delivery (C-section)	INR 1,50,000 to 2,00,000	Cesarean Delivery costs more because it takes experienced professionals to perform the C-section.
Twin delivery	INR 1,00,000 to INR 2,00,000 extra	Normal delivery delivers one child per pregnancy but in some cases when the surrogate delivers twins, it will add to the total cost.
Additional Legal Cost	INR 50,000 – 1,00,000 (only if extra court work is needed)	Compliance with updated government regulations. If there is any legal complication, it may add up to the total costs.
Psychological Screening	INR 2,000-5,000	To make sure the intended parents are ready to raise a child.
Donor Workup Cost	INR 50000	If your case needs a donor then the donor workup cost covers medical tests and screenings for donor suitability.
Embryo Freezing and storage (6 months)	Included in the base cost above	If you want to preserve your embryo which will be useful for future fertility treatments, the total surrogacy cost might include freezing and storage charges.
Coordination and Management and caretaker services	Included in the base cost above	Ensures smooth surrogacy management through authorized channels.
NICU Charges After Baby Birth	10,000	Covers neonatal care which is required after the delivery of the baby.
Baby DNA Report (Available after birth)	INR 20,000	Confirms genetic linkage of the baby to the intended parents.
PGD/PGS for Embryo Testing (10 Embryos)	Included in the base cost above	Ensures healthy embryo selection.

 

SUMMARY
Surrogacy costs in Gurugram span between INR 18 lakh and INR 22 lakh approximating the esteem of the clinic, demographics of the surrogate mother, and the number of rounds of IVF undertaken, among other legal implications.

SUCCESS RATES

 
Life is all about finding the right balance- whether it’s between work and family or affordability and quality. At Vinsfertility, we excel in balancing both to deliver the best surrogacy outcomes. At Vinsfertility, we aim to offer the best surrogacy experience with excellent services, quality care, and modern facilities in all the surrogacy packages selected. We realize how life is precious and how emotional it can be when bringing new life to the world, thus we make sure that nothing is left to chance. We have provided the happiness of birth to many families all along the years. Depending on whether you are using your eggs and sperm, or donor eggs with the intended father’s sperm, the pricing will change. We provide up to three cycles of IVF in our surrogacy program and our IVF specialists are highly competent so the process of assisted reproductive treatment is smooth resulting in a success rate.

What is the success rate of surrogacy in Gurugram?

Due to the inexpensive cost, highly qualified medical personnel, advanced equipment, and medical facilities offered throughout the surrogacy procedure, surrogacy has a high success rate in India. The legality of the surrogacy procedure in Gurugram has made surrogacy here hassle-free. Clinics like VinsFertility, which use the high-tech method of applying IVF technology, carefully selecting the embryo, and then offering outstanding care towards a fine surrogacy result, are primarily responsible for making this one of the most sought-after locations for any intended parent worldwide.

 

Surrogacy Payment Schedule In Gurugram

Installment Payment Schedule for Surrogacy Costs

The last thing any couple wants to know is how much a surrogate journey will cost them, or if they can afford it, but you don’t have to go through the process alone. Instead of completing the payment at once, they are done in segments, which are the different phases through which payment is made. The procedures for each step are indicated below from the early viral marker testing of the mother up to high-resolution fetal scans. Such an approach fully discloses all the possible costs with affordability to enable you to set your goals in the quest for parenthood.

 
SUMMARY
At Vinsfertility, we provide you a way to sit comfortably throughout the Surrogacy process through our installment program, under which you have to pay the surrogacy cost in Gurugram in parts within the timeframe of completion of the Surrogacy.
 

Multi-Cycle Surrogacy Program In Gurugram

We are in a field dedicated to spreading happiness by giving the ultimate gift of life to childless parents, which should never be misunderstood as selling a child or turning happiness into a transaction. Surrogacy is a deeply sensitive journey and we, at Vinsfertility are committed to ensuring you experience the happiness you deserve, by helping you welcome a child into your life with a multi-cycle surrogacy program.

What is Multi-Cycle Surrogacy?

Multi-cycle surrogacy is an arrangement that covers up to 3 embryo transfer attempts on the same surrogate, the maximum allowed under Rule 7 of the Surrogacy (Regulation) Rules, 2022. Under this program, we provide transfer of multiple embryos and also additional IVF cycles, if the initial attempt fails. Under this program surrogate mother will be properly reviewed and monitored throughout the pregnancy, reducing the likelihood of complications by providing high-quality care to increase the chances of a successful pregnancy. This program covers all the required medical treatments, legal expenses, and surrogate matching under a single fixed cost. It definitely will reduce financial anxiety and uncertainties. It will be much easier to handle the surrogacy process without any surprises in trying multiple times.
 
SUMMARY

Key Features of Multi-Cycle Surrogacy:

• Multiple IVF Attempts
• Miscarriage Coverage
• Complete Testing and Screening
• Live Baby Birth Assurance
• Legal Permissions and Protections
• Comprehensive Insurance Coverage
• Emotional and Psychological Support
• Dedicated Case Coordinator
• Financial Transparency and Fixed Pricing
• Post-Birth Support

 

Features	Definition		COST
Multiple IVF Attempts	Up to 3 embryo transfer attempts on the same surrogate, the maximum allowed under Rule 7 of the Surrogacy (Regulation) Rules, 2022.		Rs 2,00,000 to Rs 3,50,000 (for the extra attempts)
Miscarriage Coverage	If a miscarriage does occur, this program still provides further coverage of attempts, along with needed medical care.		Rs1,00,000 to Rs 2,00,000.
Complete Testing and Screening	There is proper testing and screening of the surrogate and intended parents to ensure a healthy pregnancy.		Female Partner Tests: Rs25,000 to Rs50,000
			Male Partner Tests: Rs10,000 to Rs20,000
Core Surrogacy Treatment	IVF, embryo transfer, the surrogate’s medical care, pregnancy care and delivery.		Rs 16,05,000 to Rs 16,80,000
Legal Permissions and Protections	It provides legal support through the process with contracts and protection of all parties involved.		Rs 1,50,000 to Rs 2,50,000
Comprehensive Insurance Coverage	The surrogate receives medical and health insurance for peace of mind during pregnancy.		Rs 50,000 to Rs 1,00,000
Emotional and Psychological Support	It offers counseling and emotional support services both to the intended parents and the surrogate.		Rs10,000 to Rs50,000
Dedicated Case Coordinator	A coordinator who would coordinate the process, give personalized support, and ensure seamless communication		Rs25,000 to Rs50,000
Financial Transparency and Fixed Pricing	No hidden fees, and pricing upfront is transparent. The financial process is as transparent as possible.		Included in the package; ensures no hidden charges.
Post-Birth Support	Post-birth support includes handling the baby and making the transition easier for the intended parents.		Rs25,000 to Rs50,000
Multi-Cycle Surrogacy Program		Rs 22,00,000 to Rs 28,00,000

 

Comprehensive Medical Tests for Female and Male Partners:

Surrogacy is a complicated procedure with both psychological and medical components. Both the intended mother and the intended father must undergo thorough medical examinations to increase the likelihood of a successful pregnancy. These tests assess their fertility reproductive health and general health to ensure that both parents are ready for the surrogacy process physically.

Medical Tests for Female Intended Parents for Multi-Cycle Surrogacy Program

In the case of the female intended parent, the tests are mainly concerned with the evaluation of ovarian reserve, the condition of the uterus, hormone levels, and reproductive capability in order to determine the appropriate method of embryo creation. Comprehensive evaluation to test for communicable diseases and general well-being is equally important in preventing possible adverse effects during the course of the pregnancy.
   

Medical Tests for Male Intended Parents for Multi-Cycle Surrogacy Program

The male intended parent has to go through a few semen examinations to assess the quality of sperm, including sperm density, active movement, and the form of the sperm. A genetic screening is also included in the assessment to establish the possibility of any inherited disorders. Moreover, blood investigations for infectious agents are included in the protocol to safeguard the gestational carrier and the child from health-prolonging threats.
   
SUMMARY
Also, surrogacy requires a lot of medical procedures to be done on the mother and father to test the fertility level and other health requirements. Female tests include ovarian reserve tests, uterus health tests, and hormonal profiling; male tests include sperm analysis and genetic counseling.

Surrogacy law in Gurugram

LEGAL ASPECT OF SURROGACY IN GURUGRAM

1. Act: India formulated and implemented legislation on surrogacy with the enactment of the Surrogacy Regulation Act, 2021 as well as Surrogacy Regulation Rules 2022.

• The Act legalizes only altruistic surrogacy which in basic terms means the surrogate mother receives no payment or monetary gain beyond the medical and insurance costs which are incurred by the surrogate mother.

      2 .Eligibility: A couple opting for Surrogacy as an option should be married for 5+ years.

      ·Couples with a surviving biological child are generally allowed to pursue surrogacy only under exceptional circumstances.

      3. Medical Records: The act also provides that there should be some medical reason for undertaking gestational surrogacy by either the couple or both.

4. Registered clinics: The legislation stipulates that no surrogate or surrogate-related activities shall be performed in the country except in registered clinics.
5. Age: The age limit for the intended mother should be 25-50 years, whereas the age limit for the intended father is 26-55 years.  

• The age limit for a surrogate mother is usually fixed in the range of 25-35 years, she should already have at least one child of her own and she has never been pregnant on someone’s behalf before.
• A widowed or divorced woman can pursue surrogacy if she falls into the age category of 35-45 years.

 
The procedure for widowed or divorced women to pursue Surrogacy includes

a. First step is going through the legal procedure and attaining the final approval from the state board.
b. Followed by choosing a surrogate followed by a sperm donor.
c. If the intended mother has viable eggs, then the procedure continues with the same or
d. The intended mother can also opt for the option of choosing an egg donor
e. Followed by IVF and embryo implantation inside the surrogate.

6. Indian Citizenship: The new law now permits all Indian citizens residing outside India, including holders of the OCI card to undertake surrogacy in India, removing earlier prohibitions. 

Below are mentioned some restrictions under the Surrogacy laws in India
 

Not eligible to apply for Surrogacy in India	Single women/men, unmarried couples, LGBTQ+, and foreigners not holding Indian citizenship.
Type of Surrogacy	Only altruistic surrogacy is permitted in India.
Surrogate’s Obligation	The surrogate must carry the child till the end of the pregnancy fulfilling the terms and conditions of legal contracts between the surrogate and the intended parents.
Single Donor	The use of only one donor gamete is permissible.
Required Genetic Connection	The gamete must come from at least one of the parents, who will contribute to the creation of the embryo. The use of an embryo donor is not permissible.

 

 SUMMARY
India's Surrogacy Regulation Act, 2021 and 2022 permit only altruistic surrogacy, requiring 5+ years of marriage, exceptional circumstances, one donor gamete, registered clinics, and OCI card holders.