One price for the treatment cycle, with what is and is not included set out below. It does not change once your treatment has begun.
A complete IVF cycle with ICSI at Shradha IVF & Maternity costs ₹1,35,000, or ₹1,50,000 with the single-payment option that includes pregnancy and delivery insurance. The ₹1,35,000 figure includes your stimulation injections, the medicines used on the day of egg collection and embryo transfer, every scan, every consultation, ICSI, blastocyst culture, both theatre procedures, and the freezing and first year of storage of any surplus embryos. Investigations, oral supportive medicines, and the medicines that support a pregnancy after embryo transfer are charged separately. You receive them itemised in writing before treatment begins.
What the package covers
If you are comparing clinics, ask each one for this same list. It is the only way to compare a quoted price honestly.
The honest maths
Most fertility clinics advertise the cost of conventional IVF — eggs and sperm placed together in a dish, and fertilisation left to happen on its own.
In current practice, most couples do not have conventional IVF. They have ICSI, where a single sperm is injected directly into each egg. It is standard for male-factor infertility, for unexplained infertility, and wherever fertilisation has failed before.
Most clinics also culture embryos to the blastocyst stage — day five rather than day three — because it lets the embryologist select the embryo with the best chance.
Both are usually quoted as extras. So are the stimulation injections. An advertised price that excludes them is a price for a treatment most patients will not actually receive.
We include all three, and we publish one number.
Which cycle applies to you
Which one is right for you is a clinical decision made after your investigations — not a package you pick from a website. We will tell you which applies before you have spent anything on treatment.
Most patients at Shradha have IVF with ICSI. We do not pre-assign a package — we recommend only what your case actually requires, with a written itemised estimate before treatment begins.
Where the money goes
IVF is expensive because the inputs genuinely are — imported hormonal medication, imported lab media and consumables, calibrated embryology equipment, and highly trained people. Here is the share each part takes.
Daily hormonal injections, GnRH antagonists or agonists, and the trigger injection. The largest single component of an IVF cycle.
ICSI or conventional fertilisation, embryo culture to day five, embryo grading, and vitrification of surplus embryos. The most skill-intensive part of IVF, and where outcomes are largely determined.
Anaesthesia, theatre charges, doctor and embryologist time, and recovery monitoring. Performed under short general anaesthesia in a sterile operating theatre.
Fertility evaluation, report analysis, diagnosis, personalised protocol design and follow-up throughout the cycle. Included in the package, not billed per visit.
Four to six follicular scans plus serial hormone blood tests over 10–14 days, to track follicle growth and time the trigger precisely.
Theatre fee, doctor fee, ultrasound guidance, transfer catheter and consumables. A 10–15 minute ultrasound-guided procedure with no anaesthesia required.
Pelvic ultrasound, hormone panel, semen analysis, infectious-disease screening, blood group and coagulation profile. Charged separately and itemised in your written estimate.
Vitrification of remaining good-quality embryos, with the first year of storage included. Beyond that, storage is ₹15,000 a year.
Full disclosure
We would rather you read this before treatment than discover it during. Anything here that applies to you will be explained and costed before your cycle starts, not after.
Depends on what your diagnosis requires. Itemised in writing before you begin.
Tablets taken before and after stimulation for your general health during the cycle. Listed in your written estimate.
If you conceive, the medicines that support the pregnancy from the transfer through to delivery are not part of the package. The cost depends on what is prescribed and for how long, and is explained before your transfer.
Rarely needed. Used only where there has been recurrent implantation failure, and charged only if it is genuinely required.
Only where male-factor infertility makes it necessary.
The first year is included with your cycle.
Rarely done here, and not something we encourage. The evidence that either improves the chance of a live birth for most patients is weak. Used only where there is a specific clinical reason, and charged only then.
We do not add procedures to a cycle because they can be billed. If something is unlikely to change your outcome, we will tell you that rather than sell it to you. This is worth asking about wherever you go — a low headline price with a long list of add-ons attached is not a low price.
If the first transfer does not work
IVF often takes more than one embryo transfer. That is normal, and it is the part couples worry about most — not the cost of starting, but the cost of trying again.
Your cycle includes freezing of all surplus good-quality embryos and one year of storage. If a further transfer is needed and you have embryos in storage:
That is the transfer alone. No repeat stimulation, no repeat egg collection, no repeat stimulation injections, no repeat theatre charge for pick-up — because none of that is needed again. Medicines to prepare for the transfer and to support a pregnancy afterwards are prescribed individually and listed in your estimate.
| Without insurance | With insurance, single payment | |
|---|---|---|
| First cycle, complete, with ICSI | ₹1,35,000 | ₹1,50,000 |
| Second transfer from stored embryos | ₹15,000 | ₹15,000 |
| Two transfers, in total | ₹1,50,000 | ₹1,65,000 |
Beyond the cycle itself
Ovarian stimulation means 10 to 14 days of daily injections and regular scans. For couples travelling from Muzaffarpur, Arrah, Begusarai, Samastipur or further, that means either repeated journeys or two weeks of accommodation in Patna.
Accommodation for that period is included in the package.
Shradha IVF & Maternity is a maternity hospital as well as a fertility centre. If your cycle here results in a pregnancy, your antenatal care and your delivery continue with the same team.
When you choose the ₹1,50,000 single-payment option, it includes a pregnancy and delivery insurance policy in your name, issued by Care Health Insurance and arranged through SafeTree, an insurance broker (A2V Insurance Brokers Pvt Ltd). ₹15,000 of that payment is the policy premium. The sum insured is ₹50,000, and it can be used for your delivery at hospitals in the insurer’s network, including Shradha IVF & Maternity.
The policy is taken out before your embryo transfer and runs for one year from its start date, with a waiting period of 7 months. If your delivery is expected after that year ends, for example after a later frozen embryo transfer, the policy needs to be renewed before it lapses. We will remind you in time; the renewal is yours to make.
What the policy pays for, and what it does not, is set by the insurer’s terms and conditions. We will show you the policy before you decide.
Paying for treatment
The treatment is the same whichever you choose. What differs is when you pay, and whether pregnancy and delivery insurance is included.
The complete IVF with ICSI package, paid at booking. Pregnancy and delivery insurance is not included.
The complete package, with a one-year pregnancy and delivery insurance policy included. ₹15,000 of this is the premium. Sum insured ₹50,000, usable at hospitals in the insurer’s network. NICU is not covered.
₹1,35,000 in total, the same as a single payment. Pregnancy and delivery insurance is not included.
EMI costs more in total than paying the package directly, and pregnancy and delivery insurance is not included. Whichever route you take, all consultations and all ultrasound scans are included. Investigations and the medicines listed under “What is not included” are itemised separately in your written estimate. No cost is added once treatment has begun.
A clinical honesty note
IVF cannot be safely and successfully delivered below a certain cost — the components are simply too expensive. When a complete cycle is advertised far below the figures on this page, usually one of the following is happening.
Stimulation injections, ICSI, blastocyst culture, freezing and anaesthesia billed separately afterwards, adding back up to a standard total — or higher. This is the most common version by a wide margin.
Lower-grade preparations in place of recombinant FSH, which affects egg yield and egg quality, and therefore the chance the cycle works at all.
Fewer consumables and lower-grade culture media that will not reliably support embryos to the blastocyst stage, and lower-grade vitrification protocols that affect the survival of frozen embryos in any future cycle.
A low headline figure, then a list of procedures recommended once you have already committed. Ask for the total, in writing, before you begin — anywhere you go.
The usual result is a failed cycle the couple then pays for again — at which point the cheap IVF has cost more than honest IVF would have, with a heavy emotional toll on top. Our position is straightforward: price the cycle honestly so it has the best possible chance of working the first time.
Our pricing philosophy
Three deliberate operational decisions, none of which involve reducing clinical quality.
We purchase IVF medications in bulk directly from manufacturers, bypassing distributors and intermediate suppliers. This is the single largest contributor to our cost structure.
The same applies to culture media, vitrification kits, micropipettes and laboratory plastics. Direct sourcing reduces input cost without reducing input quality.
What direct procurement saves goes into the package price rather than into margin, because the point is accessible fertility care for families across Bihar.
Being honest about outcomes
Outcomes depend on age, ovarian reserve, diagnosis, sperm parameters and factors that cannot be known before investigation. Any single headline success figure — on any clinic’s website, including ours — tells you very little that is useful about your own chances.
At your consultation, Dr. Chakhaiyar will discuss what the realistic range looks like for your situation, based on your own investigations rather than an average. That conversation happens before you commit to any treatment.
If you are shown a success rate anywhere, ask:
The same group of women can be reported as 13% or as 36% depending only on what the number is divided by. A clinic that cannot answer all three questions in one sentence has not given you a number you can use.
Your care, by name
Every IVF cycle at Shradha IVF is reviewed and led personally by Dr. Shradha Chakhaiyar. Pricing decisions, protocol design and embryology oversight are her direct responsibility — not delegated to a rotating panel or handed to a counsellor.
She holds membership of the Royal College of Obstetricians and Gynaecologists, London, is registered with the Bihar Council of Medical Registration (Reg. No. 36954), and has practised obstetrics, gynaecology and infertility medicine for over twenty years.
Two minutes, no registration, no obligation. Or book a first consultation with Dr. Shradha for a written, itemised estimate before any treatment begins.
A complete IVF cycle with ICSI costs ₹1,35,000, or ₹1,50,000 with the single-payment option that includes pregnancy and delivery insurance. Conventional IVF, where it is clinically appropriate, is ₹90,000 to ₹1,00,000. Both include stimulation injections, the medicines used on the day of egg collection and embryo transfer, scans, consultations, theatre charges and embryo freezing with one year of storage. IVF with ICSI also includes ICSI and blastocyst culture. Oral supportive medicines and the medicines that support a pregnancy after transfer are charged separately.
Partly, and we would rather be precise. All stimulation injections are included, and so are the medicines used on the day of egg collection and embryo transfer. Not included: oral supportive medicines taken before and after stimulation, and the medicines that support a pregnancy after embryo transfer, which continue through to delivery if you conceive. These are prescribed individually and listed in your written estimate. Whichever clinic you speak to, ask exactly which medicines its price covers.
No. ICSI is included, and so is blastocyst culture. Since most couples in current practice have ICSI rather than conventional IVF, a price that excludes it is a price for a treatment most patients will not receive.
Your cycle includes freezing of all surplus good-quality embryos and one year of storage. If you have embryos in storage, each further transfer costs ₹15,000 — there is no repeat stimulation, no repeat egg collection and no repeat stimulation injections, because none of that is needed again.
Investigations and blood tests, typically ₹5,000 to ₹10,000 and itemised in writing before you begin. PGT-A genetic testing (₹40,000–₹80,000, rarely needed). Surgical sperm retrieval, TESA or PESA (₹15,000–₹30,000, only where male-factor infertility requires it). Embryo storage beyond the first year at ₹15,000 a year. Assisted hatching and EmbryoGlue, which we rarely use and do not encourage. Oral supportive medicines before and after stimulation, and the medicines that support a pregnancy after embryo transfer, prescribed individually.
When you choose the ₹1,50,000 single-payment option, it includes a pregnancy and delivery insurance policy in your name, issued by Care Health Insurance through SafeTree (an insurance broker). ₹15,000 of the payment is the premium and the sum insured is ₹50,000. It can be used for your delivery at hospitals in the insurer’s network, including Shradha IVF & Maternity, subject to the policy’s terms, its 7-month waiting period and its one-year term. Newborn intensive care (NICU) is not covered and is charged separately. The ₹1,35,000 price does not include the policy.
Yes, in two ways. You can pay the ₹1,35,000 package in four stages as treatment progresses: ₹40,000 at booking, ₹40,000 at the start of stimulation, ₹40,000 before egg collection and ₹15,000 before embryo transfer. Or you can take EMI of ₹7,000 a month over 24 months, ₹1,68,000 in total. Pregnancy and delivery insurance is included only with the ₹1,50,000 single payment.
It depends on age, diagnosis, egg quality and how embryos develop, and no honest answer can be given before your investigations. What can be said is that published research counts one egg collection plus every frozen transfer arising from it as a single attempt — which is why the ₹15,000 further-transfer price matters. Dr. Chakhaiyar will give you a realistic expectation after your first evaluation, and reviews and adjusts the protocol if a cycle is unsuccessful.
Usually because the advertised figure excludes stimulation injections, ICSI, blastocyst culture, freezing or anaesthesia, which are then billed afterwards and add back up to a standard total. Occasionally it reflects cheaper stimulation medication or reduced laboratory quality, both of which affect the chance the cycle works. Ask any clinic for the complete list of what their figure includes, in writing, before you commit.
As of 2026, IVF is not covered under Ayushman Bharat PM-JAY. Paying in four stages during treatment, or EMI of ₹7,000 a month over 24 months, is available to make treatment financially manageable without delaying it.
Yes. The IVF cost calculator gives an instant estimate based on your treatment type and situation, with no registration required. At your first consultation you will also receive a written itemised estimate before any treatment begins.
A unit of Niranjan Aarogya Niketan & Research Center · Behind Devarun Apartment, Bhikhana Pahari, Patna, Bihar 800004
Open Monday to Sunday, 8:00–21:00 · +91 91625 62266
ART Registration No. BR/AC/2024/15254 — National ART & Surrogacy Registry
Registered under the Assisted Reproductive Technology (Regulation) Act, 2021
Dr. Shradha Chakhaiyar — Reg. No. 36954, Bihar Council of Medical Registration
This page is for general information about treatment costs. It is not medical advice, and it is not a prediction of outcome for any individual. Prices are current as of October 2026 and may change.
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