What financing options (loans or EMI plans) are available for surrogacy in India?

Dr. Nandani Priya
07 May 2025

Yes, intended parents in India can finance surrogacy through medical loans and EMI (Equated Monthly Installment) schemes. Several banks and non-banking financial companies offer personal medical loans for fertility treatments. For instance, Bajaj Finance (Bajaj Finserv) provides personal loans that many use for IVF or surrogacy, and Uno Finance (Unofin) offers 0% interest “no-cost EMI” plans for medical bills across a network of hospitals. Loan amounts typically range from about ₹2 lakh up to ₹15 lakh, with repayment tenures from 6 months to 5 years. Infertility-focused fintech lenders (e.g. Credit Fair) and even healthcare programs like Bharat Serums & Vaccines’ BSVwithU have entered this space, making it easier for couples to pay for costly procedures. In fact, the growing availability of such loans and EMIs has enabled many couples to pursue surrogacy or IVF earlier than they otherwise could.

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Supriya Kumari
31 July 2025

At Vinsfertility, intended parents can finance their journey through the Guaranteed Surrogacy Program using low-interest surrogacy loans, flexible EMI payment plans, and a structured milestone-based installment system, all supported by a dedicated fertility coordinator, legal advisor, and 24x7 patient care, ensuring transparency, affordability, and peace of mind throughout the process.

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shailesh pandey
01 August 2025

Financing Options for Surrogacy in India

Surrogacy (altruistic only, under the Surrogacy Regulation Act, 2021) costs ₹15-25 lakh in India, covering IVF, medical care for the surrogate (a close relative), and legal fees. For a middle-class couple like the taxi driver you mentioned, paying upfront is tough, but there are ways to manage:

1. Medical Loans from Banks:
   • Banks like HDFC Bank or Bajaj Finance offer personal loans for medical treatments, including IVF and surrogacy. You can borrow ₹2-40 lakh with interest rates of 11-16% per year, repayable over 1-5 years. HDFC disburses loans in 4 hours for non-customers, or 10 seconds for pre-approved ones. EMI starts at ~₹2,149 per lakh. You’ll need a decent credit score (685+), ID proof, and income docs. Check HDFC’s site or call 1800-202-6161.
2. EMI Plans from Clinics:
   • Many fertility clinics, like Indira IVF or Select IVF, offer interest-free EMI plans for IVF and surrogacy. For example, Indira IVF lets you pay in installments over 12 months with no interest, or 2% interest for longer tenures. A ₹1 lakh loan might mean ~₹8,333/month for a year. You’ll need basic docs like Aadhaar, address proof, and sometimes a credit check. Contact Indira IVF at 1800-266-5888.
3. Fintech Loans:
   • Companies like Credit Fair in Mumbai provide medical loans for fertility treatments, ranging from ₹2-15 lakh, with repayment terms of 6 months to 5 years. Some are interest-free if tied to specific clinics. They’ve disbursed ₹1.5 crore recently for IVF/surrogacy. You’ll need to submit income proof and ID. Reach out via their site or call +91-22-4968-0700.
4. Crowdfunding:
   • Not a loan, but platforms like Ketto or Milaap let you raise funds online for surrogacy costs. My friend’s neighbor used Ketto to collect ₹5 lakh from family and friends for IVF. You create a campaign, share it on social media, and people donate. No repayment needed, but it takes effort to promote. Check ketto.org for details.

Real Talk for the Couple

For a taxi driver with limited income, EMI plans from clinics or fintech loans are the most practical, as they often have lower or no interest and flexible terms. Total surrogacy costs in cities like Bhubaneswar or Ranchi might be ₹15-20 lakh, so a loan/EMI covering ₹10-15 lakh could work if they can manage ₹20,000-30,000/month repayments. A good credit score helps, but some clinics are lenient if you show steady income. Start by contacting clinics like Select IVF (+91-9899293903) or Indira IVF to ask about in-house EMI plans. If going for a bank loan, compare rates on Bajaj Finance or HDFC websites.

Pro Tip: Confirm the surrogate (a relative) meets legal requirements (25-35, married, one kid) and get a detailed cost breakdown from the clinic to avoid surprises.

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