You should not have to choose between the right time to start treatment and being able to afford it. Fertility does not pause for financial planning — and the longer a couple waits, the harder treatment can become.
Is EMI Facility available for IVF at Shradha IVF?
The EMI facility at Shradha IVF & Maternity is a structured monthly payment plan that allows you to spread the cost of your fertility or maternity treatment over a period of 12 to 24 months, instead of paying the full amount at the start of your treatment cycle.
This facility works through a verified finance partner tied to our clinic. You are not arranging a personal loan independently or dealing with a bank on your own. Our financial counsellor manages the entire application process — from the initial paperwork to liaising with the finance partner — so that the financial side of your journey is handled with the same care as the clinical side.
The EMI facility is available for the full range of treatments offered at Shradha IVF & Maternity, including IVF, ICSI, IUI, embryo transfer, fertility preservation, surgical procedures, and complete maternity packages. Whether you are at the beginning of your fertility evaluation or returning for a second IVF cycle, the EMI option is available to support you.
What this looks like in practice
A complete IVF cycle with ICSI at Shradha IVF & Maternity is ₹1,35,000. That includes consultations, scans, stimulation injections, the medicines used on the day of egg collection and embryo transfer, egg retrieval, ICSI, blastocyst culture, embryo transfer, and the freezing of surplus embryos with one year of storage. Oral supportive medicines and the medicines that support a pregnancy after transfer are not included.
- EMI over 24 months: ₹7,000 a month, ₹1,68,000 in total.
- Or pay the clinic in four stages, with no finance partner: ₹40,000 at booking, ₹40,000 at the start of stimulation, ₹40,000 before egg collection and ₹15,000 before embryo transfer, ₹1,35,000 in total.
EMI is not interest-free: the 24-month plan costs more in total than paying the package directly. For other treatments and tenures, the instalment depends on the treatment cost and the tenure you choose. Your financial counsellor will put the exact monthly figure and the total payable in writing before you commit to anything. Approval is subject to the finance partner’s assessment.
Please note: the pregnancy and delivery insurance policy described on our IVF cost page is included only with the ₹1,50,000 single payment. It is not included on EMI or on the four-stage plan. |
Why timing matters
Why paying by EMI can help you start IVF on time
This is the conversation most couples never have until it is too late: delaying IVF treatment to save up the full cost upfront often ends up being the more expensive decision — both medically and financially.
Fertility is time-sensitive in a way few medical decisions are. A woman’s ovarian reserve — the quantity and quality of her eggs — declines steadily with age, and this decline accelerates after 35. What can be achieved in a single IVF cycle at 32 may require two or three cycles at 36, and the outcomes may not be equivalent even then. Every month of waiting has a medical cost that does not appear on any invoice but is very real in its consequences.
The IVF EMI facility at Shradha IVF exists precisely so that financial planning does not force you to compromise on medical timing. For many couples, starting treatment on a manageable monthly plan is a better choice than waiting until the full amount is saved. Dr. Shradha will tell you whether timing is a concern in your case.
Decision in 24 to 48 hours
Most applications get a decision within 24 to 48 hours of complete documents.
Flexible Repayment Options
Choose EMI plans for your IVF treatment in Patna from 12 to 24 months.
No Collateral Required
No need to provide property, security, or guarantor for the loan for IVF treatment
Simple paperwork
Aadhaar, PAN and income proof. Our counsellor handles the application with the finance partner.
Covers larger treatment plans
Financing up to ₹4 lakhs, subject to the finance partner’s assessment.
What Does the IVF EMI Facility Cover?
The Easy EMI plan at Shradha IVF & Maternity can be applied toward the full cost of the following treatments. The table below also outlines what each treatment includes and which couples it is best suited for, so you can arrive at your first consultation already informed.
Who Can Apply for IVF treatment on EMI?
The EMI facility is accessible to most working couples in Patna and across Bihar. Below is a summary of the standard eligibility criteria based on our finance partner’s requirements. Final approval is subject to the partner’s assessment, but our team will guide you through every step.
How to Get Started for IVF Treatment on EMI?
Five steps from first consultation to starting treatment. Nothing is signed until you have your written cost breakdown.
Consultation
Dr. Shradha will review your history, conduct a fertility assessment, and recommend the right treatment pathway for you.
Receive your full, transparent cost breakdown.
Before any financial paperwork is initiated, you will receive a complete, written quote for your treatment.
Connect with our EMI counsellor.
A dedicated manager walks you through the available tenure options, answers your questions, and initiates the finance partner application on your behalf.
Submit your documents.
Aadhaar Card, PAN Card, and income proof (salary slips or bank statement). Approval is typically confirmed within 24 to 48 hours.
Begin your IVF treatment.
Once your EMI is approved, your IVF treatment starts on the schedule Dr. Shradha has planned with you.
What comes with EMI at Shradha IVF?
EMI is one part of how we make treatment affordable. Here is what you get alongside it: The question couples should be asking is not which clinic offers EMI — it is which clinic they trust to handle the most important medical decision of their lives with the right expertise, continuity, and honesty.
At Shradha IVF & Maternity, the EMI facility is one part of a much larger commitment to making fertility care genuinely accessible and genuinely excellent. Here is what sets us apart:
- Same doctor, every step. Dr. Shradha Chakhaiyar personally leads your case from your first consultation through to delivery. You will not be passed between junior doctors or rotating staff.
- Qualified and registered. Dr. Shradha holds MBBS and MRCOG (London) and is registered with the Bihar Council of Medical Registration (Reg. No. 36954).
- Fully transparent pricing. Your treatment cost is confirmed in writing before treatment begins. There are no packages that quietly expand, no surprise add-ons at the embryo transfer stage, and no hidden laboratory fees. IVF with ICSI is ₹1,35,000, with exactly what is and is not included set out on the cost page.
- 20+ years of clinical experience. Including complex cases, repeat IVF failures, PCOS-related infertility, male factor infertility, and high-risk pregnancies — all managed under one roof.
- Dedicated financial support. A dedicated point of contact appointed for all EMI-related queries — from application to approval to repayment.
FAQs - IVF on EMI at Shradha IVF Patna
IVF on EMI at Shradha IVF means your fertility treatment cost is split into equal monthly installments over 12 to 24 months through a verified finance partner. Instead of paying the full amount before starting treatment, you pay a portion upfront (if any) and the remainder in fixed monthly installments. The entire application process is managed by the clinic’s dedicated EMI counsellor, who guides you from document submission to approval. You begin treatment once the EMI is confirmed.
Yes. the EMI facility is provided as an unsecured loan — no property, guarantor, or asset is required as collateral. Approval is based on your identity documents (Aadhaar and PAN) and an income assessment by the finance partner. Most salaried and self-employed applicants with stable income are eligible.
As per the process at Shradha IVF & Maternity, most EMI applications receive a decision within 24 to 48 hours of the documents being submitted correctly. In cases where digital KYC is complete and income verification is straightforward, same-day or next-day approval is possible. Your treatment timeline is not put on hold during this period.
Yes. According to Shradha IVF & Maternity, Patna, joint applications where both spouses are co-applicants may increase the total eligible loan amount and can strengthen the application if one partner has a lower individual income.
The EMI is a financial obligation that is independent of the medical outcome of your treatment. It must be repaid as per the agreed schedule, regardless of whether the IVF cycle results in a pregnancy. This is consistent with all medical loan products in India.
