Most fertility clinics in India advertise IUI at ₹3,000 to ₹5,000. That number is real, but it is the procedure fee alone: the cost of the 15-minute insemination step. By the time you add monitoring scans, medication, sperm preparation, and the consultations on either side of it, the actual per-cycle cost is typically three to six times higher.
This guide explains what a realistic IUI cycle costs in 2026, breaks it down component by component, and gives verified city-by-city numbers. It also covers how cost scales across natural, clomiphene, and gonadotropin-stimulated cycles, and what the realistic cumulative spend looks like across two to three cycles.
If you are trying to decide whether IUI is the right next step for your situation at all, read IUI vs IVF: Which Do You Actually Need? first. If you want to know what success rates look like before committing to the cost, the IUI Success Rate India 2026 guide covers that in detail.
Quick Answer: IUI Cost Per Cycle in India (2026)
| Setting | Realistic Per-Cycle Cost |
|---|---|
| Government hospital / Medical college | ₹2,000–8,000 |
| Private gynaecologist’s clinic (non-fertility specialist) | ₹8,000–18,000 |
| Standalone fertility clinic | ₹12,000–25,000 |
| Fertility chain (Apollo, Nova, Cloudnine, Birla, Oasis) | ₹20,000–45,000 |
Prices verified from fertility clinic websites, aggregator platforms, and published cost guides. Checked June 2026. Ranges reflect natural to gonadotropin-stimulated cycles.
The procedure fee is the same regardless of setting. What changes is how medication, monitoring, and the brand value of the facility are bundled and priced.
What One IUI Cycle Actually Costs: Component by Component
When a clinic quotes you ₹10,000 for IUI, it may mean different things depending on what is included. Here is what the full cycle involves.
1. Consultation fees
You will need at least two to three consultations in a single IUI cycle: an initial review of your workup, a mid-cycle scan visit, and a post-procedure review. At a standalone clinic, consultation fees range from ₹500 to ₹2,000 per visit. At large fertility chains, they can be ₹1,500 to ₹3,000 per visit. Across a cycle, this component adds up to ₹1,000 to ₹8,000.
2. Follicular monitoring scans
Follicular monitoring involves ultrasound scans on specific cycle days to track follicle growth and confirm ovulation timing. Most IUI cycles require two to three scans. Each scan costs ₹800 to ₹1,500 at a diagnostic centre or private clinic, and ₹1,500 to ₹2,500 at a fertility chain. Across a cycle: ₹1,600 to ₹7,500.
3. Ovulation induction medication
This is where cost variation is greatest.
Natural cycle IUI (no medication, timed to spontaneous ovulation): no medication cost. Used for women who ovulate regularly and want the lowest-cost option.
Clomiphene or letrozole-stimulated IUI: tablets taken from Day 2 to Day 6 of the cycle to encourage follicle development. Cost: ₹300 to ₹800 for the tablet course. This is the most commonly used protocol and the most cost-effective.
Gonadotropin-stimulated IUI: injectable hormones (FSH or HMG) to grow one to two mature follicles. More effective in some cases but significantly more expensive. Injectable gonadotropins cost ₹3,000 to ₹12,000 per cycle depending on the dose and brand.
4. hCG trigger injection
A single injection to trigger final egg maturation and time ovulation precisely for the insemination. Cost: ₹400 to ₹1,200 depending on the brand (Ovidrel, Pregnyl, hCG injection).
5. Sperm preparation (IUI processing)
The semen sample is washed and concentrated to select the highest-motility sperm before insemination. This lab step costs ₹2,000 to ₹5,000 at a diagnostic or fertility lab. Some clinics bundle it into the procedure fee; others list it separately.
6. IUI procedure
The insemination itself: a catheter passes through the cervix and places the prepared sperm directly into the uterine cavity. The step takes ten to fifteen minutes. Procedure fee alone: ₹2,000 to ₹6,000.
7. Post-IUI progesterone support
Progesterone pessaries or tablets are commonly prescribed for the two-week wait after IUI to support the uterine lining. Cost: ₹600 to ₹2,000 for the two-week course.
8. Pregnancy test
A serum beta-hCG blood test or urine pregnancy test fourteen days after the procedure. Cost: ₹200 to ₹600.
Putting it together:
| IUI Protocol | Approximate All-In Cost Per Cycle |
|---|---|
| Natural cycle (no medication) | ₹5,000–10,000 |
| Clomiphene or letrozole-stimulated | ₹8,000–18,000 |
| Gonadotropin-stimulated | ₹15,000–35,000 |
At a government hospital or public fertility centre, all components are subsidised and total cycle costs are at the lower end of these ranges. At a branded fertility chain with gonadotropin stimulation, the same cycle can cost ₹35,000 to ₹45,000.
City-by-City IUI Cost Breakdown (2026)
Chennai
Private gynaecologist’s clinic: ₹8,000–15,000 Standalone fertility clinic: ₹12,000–22,000 Fertility chain (ARC, Sims, Motherhood): ₹15,000–35,000
Chennai has one of India’s most competitive private fertility markets. ARC Fertility (Chennai) lists IUI pricing from ₹5,000 for the base procedure, with all-in cycles ranging from ₹12,000 to ₹25,000 depending on protocol (verified from arcivf.com, June 2026). Government Kilpauk Medical College Hospital and the Government Maternity Hospital, Egmore, offer subsidised IUI for eligible patients.
Coimbatore
Private gynaecologist’s clinic: ₹8,000–14,000 Standalone fertility clinic: ₹10,000–20,000
Coimbatore’s private maternity and fertility sector is active with a number of gynaecologists offering IUI as part of their fertility practice. Government Medical College Hospital Coimbatore offers subsidised fertility services for women with government hospital OPD registration.
Bangalore
Private clinic: ₹8,000–18,000 Standalone fertility clinic: ₹12,000–22,000 Fertility chain (Oasis, Nova, Motherhood): ₹15,000–40,000
Oasis Fertility (Bangalore) reports that IUI treatment in Bangalore ranges from ₹7,000 to ₹20,000 per cycle for most patients (verified from oasisindia.in, June 2026). This range reflects natural and clomiphene-stimulated protocols. Gonadotropin cycles at larger chains in Bangalore can exceed ₹30,000 with full monitoring included.
Delhi/NCR
Private clinic: ₹10,000–20,000 Standalone fertility clinic: ₹12,000–25,000 Fertility chain (Apollo, Nova, Gurgaon centres): ₹20,000–45,000
Dr. Nalini Gupta’s published 2026 Delhi IUI cost breakdown lists the procedure fee at ₹5,000 to ₹12,000 and all-in cycle costs at ₹10,000 to ₹25,000 (verified from drnaliniguptaivf.com, June 2026). Private Gurgaon fertility clinics are priced at the higher end of this range. AIIMS Delhi’s fertility centre offers subsidised services for OPD patients.
Mumbai
Private clinic: ₹10,000–22,000 Standalone fertility clinic: ₹15,000–30,000 Fertility chain: ₹25,000–45,000
Mumbai is the most expensive city for fertility care in India. KEM Hospital, Lokmanya Tilak Municipal Medical College (Sion Hospital), and JJ Hospital offer subsidised fertility services for eligible patients. For those using private care, Mumbai costs are typically ₹5,000 to ₹10,000 higher per cycle than Chennai or Hyderabad for equivalent protocols.
Hyderabad
Private clinic: ₹6,000–15,000 Standalone fertility clinic: ₹8,000–20,000 Fertility chain (CARE, Nova, Ferty9, Oasis): ₹10,000–25,000
CARE Hospitals (Hyderabad) reports average IUI cycle costs ranging from ₹5,000 to ₹15,000 (verified from carehospitals.com, June 2026). Ferty9, with multiple Hyderabad centres, lists IUI at ₹8,000 to ₹20,000 including monitoring and sperm preparation (verified from ferty9.com, June 2026). Osmania General Hospital and Gandhi Hospital offer government-rate fertility services.
What the Quoted Price May Not Include
Fertility clinics are not always transparent about which components are in the headline price and which come as separate bills. Before committing, ask these three questions:
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Does the quoted price include monitoring scans? This is the most commonly omitted item. Two to three follicular ultrasounds can add ₹2,000 to ₹5,000 that was not in the number you were told initially.
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Does it include sperm preparation? Some clinics include the IUI lab fee in the procedure cost; others list it separately. Sperm washing is not optional, so confirm whether it is part of the package.
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Does it include medications? Almost all clinics quote the procedure and charge medications separately. This matters most for gonadotropin cycles, where medication alone can cost ₹8,000 to ₹12,000.
A fertility clinic that cannot give you a clear itemised breakdown before you start is worth questioning. The all-in cost for a clomiphene-stimulated IUI cycle should be something any clinic can tell you clearly.
Natural vs Stimulated IUI: The Cost-Effectiveness Calculation
Natural cycle IUI is the lowest-cost option at ₹5,000 to ₹10,000 per cycle, but it has a lower success rate per cycle (roughly 5–10% for most diagnoses) because it relies on one spontaneous follicle. It is used in couples with regular ovulation where IUI is being added mainly to address mild male factor or unexplained infertility.
Clomiphene or letrozole-stimulated IUI costs ₹8,000 to ₹18,000 and produces mildly higher success rates because it creates a slightly more favourable ovulation environment. This is the most commonly recommended first protocol.
Gonadotropin-stimulated IUI costs ₹15,000 to ₹35,000 and produces higher success rates per cycle (15–25% in appropriate candidates), but also carries a higher multiple-pregnancy risk if more than two follicles develop. Most reproductive specialists use this protocol only when one to two cycles of clomiphene IUI have not resulted in pregnancy.
The right protocol is based on your diagnosis, ovarian reserve (your AMH level and antral follicle count), your partner’s semen analysis, and how much time you have. It is not simply a matter of spending more to get better odds.
How Many IUI Cycles Will I Need? The Realistic Cumulative Cost
Most reproductive specialists recommend trying IUI for two to four cycles before reassessing. The research behind this is discussed in detail in the IUI success rate guide, but the practical point for cost planning is this: the cumulative success rate across three clomiphene-stimulated cycles is 30–40% in appropriate candidates.
Realistic cumulative cost for three clomiphene-stimulated IUI cycles:
| Setting | Per Cycle | Three Cycles |
|---|---|---|
| Government hospital | ₹3,000–6,000 | ₹9,000–18,000 |
| Private gynaecologist | ₹8,000–15,000 | ₹24,000–45,000 |
| Standalone fertility clinic | ₹12,000–22,000 | ₹36,000–66,000 |
| Fertility chain | ₹20,000–40,000 | ₹60,000–1,20,000 |
This comparison matters because several couples spend ₹1,20,000 or more on multiple fertility chain IUI cycles before being advised to move to IVF. At a private gynaecologist or standalone clinic, the same number of medically equivalent cycles costs a third to a half of that. If IUI is unlikely to work and IVF becomes necessary, spending on multiple marginal IUI cycles may end up costing more than going directly to IVF.
The question to ask before each additional cycle is not just the cost of one more cycle, but whether there is a clinical reason to expect this cycle to work when the prior ones did not.
5 Ways to Reduce IUI Cost Without Compromising Outcomes
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Start with a government fertility centre. Many major government medical colleges run fertility OPDs where IUI is available at subsidised rates. The protocols are identical to private clinics. Waiting times are longer, but the care is medically equivalent.
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Use a standalone clinic rather than a branded chain. The IUI procedure and the embryology lab protocols are the same. Fertility chain pricing reflects brand overhead, not clinical superiority. A well-equipped standalone fertility clinic in your city will produce equivalent outcomes at a fraction of the chain’s price.
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Use clomiphene or letrozole before moving to gonadotropins. Unless your specialist has a specific clinical reason to go straight to injectables, two cycles of tablet-based stimulation is the standard evidence-based starting point. It costs ₹300 to ₹800 in medication per cycle rather than ₹8,000 to ₹12,000.
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Book scans at a diagnostic centre rather than in-clinic. Follicular monitoring ultrasounds are standard pelvic scans. Any radiology centre with a good sonologist can do them. Booking at a diagnostic centre (₹800 to ₹1,200 per scan) rather than at the fertility clinic’s in-house ultrasound unit (₹1,500 to ₹2,500 per scan) saves money with no difference in clinical information.
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Complete the workup before starting. Beginning IUI before both partners have had a complete fertility evaluation can mean spending on cycles that were never likely to succeed because an underlying issue was not identified. A proper fertility workup costs ₹8,000 to ₹18,000 and prevents far more expensive mistakes.
IUI in the Context of Your Full Fertility Plan
IUI is not always the right first step. It works best for specific diagnoses: mild male factor infertility, unexplained infertility in couples under 35, ovulation-related infertility with at least one open fallopian tube, and cervical factor infertility.
It is unlikely to be effective in: severe male factor (sperm count below 5 million total motile sperm after washing), bilateral tubal blockage, advanced endometriosis, or significantly diminished ovarian reserve. If any of these apply to your situation, the Do You Need IVF guide will help you understand when skipping IUI and moving directly to IVF makes clinical and financial sense.
If you are preparing for IUI, the 90-Day IUI and IVF Prep plan covers what you can do in the months before treatment to improve your cycle quality and your chances.
Frequently Asked Questions
What is the average cost of IUI in India in 2026? For a clomiphene-stimulated IUI cycle (the most common protocol), the realistic all-in cost is ₹8,000 to ₹18,000 at a private gynaecologist’s clinic and ₹12,000 to ₹25,000 at a standalone fertility clinic. Large fertility chains charge ₹20,000 to ₹45,000. Government hospitals offer the same procedure at ₹2,000 to ₹8,000 for eligible patients. The wide variation is primarily driven by medication protocol (natural vs clomiphene vs gonadotropin) and facility type, not procedure quality.
Why is IUI listed at ₹3,000 to ₹5,000 on some websites but the actual cost is much higher? The ₹3,000 to ₹5,000 figure is the procedure fee alone: the fifteen-minute insemination step and the sperm processing. It does not include monitoring scans (₹1,600 to ₹7,500), ovulation induction medication (₹300 to ₹12,000 depending on protocol), the hCG trigger injection (₹400 to ₹1,200), post-IUI progesterone support (₹600 to ₹2,000), or consultation fees. When these are added, the realistic all-in cost is two to six times the advertised procedure fee.
Is IUI covered by health insurance in India? Coverage varies widely. Some corporate group health policies include infertility treatment under specific conditions. Star Health, HDFC Ergo, and Niva Bupa (Max Bupa) have plans that cover assisted reproduction in some tiers. Individual and maternity-only policies typically do not include IUI. Call your insurer’s helpline and ask specifically whether “IUI for infertility treatment” is covered under your policy and what documentation is required. Pre-authorisation is almost always needed.
How many IUI cycles should I try before considering IVF? Most evidence supports two to four cycles of IUI before reassessing. After three cycles, cumulative success rates are 30–40% in appropriate candidates. If IUI has not resulted in pregnancy after three to four cycles with proper stimulation and good semen parameters, most reproductive specialists will discuss moving to IVF at that point. The number depends on your age, diagnosis, and response to stimulation. For women over 38, moving sooner rather than later is typically the right clinical decision. Read more in the IUI success rate guide.
What is the difference in cost between IUI at a private clinic and a government hospital? Government hospitals and medical college fertility units offer IUI at ₹2,000 to ₹8,000 per cycle including subsidised medication. The medical protocol is the same. The trade-off is longer waiting times for appointments, higher patient volumes, and less continuity of care with one doctor. For couples who are comfortable with the government hospital environment and do not have a time-sensitive situation, this is the most cost-effective option.
Does IUI cost more than IVF in the long run if it does not work? It can. If your diagnosis makes IUI unlikely to succeed and you attempt four to six cycles before being advised to move to IVF, the cumulative IUI spend at a fertility chain (₹80,000 to ₹1,80,000 across four to six cycles) begins to approach one IVF cycle. This is why a thorough clinical assessment before starting is important. If the underlying factors point toward a need for IVF, spending on multiple IUI cycles is not a stepping stone: it is a delay.
What is IUI called in Tamil or Hindi? IUI is shorthand for intrauterine insemination. In Tamil, the procedure is referred to as “கருப்பை உட்செலுத்துதல்” (karuppaai ut-seluththuthal) or “கர்ப்பப்பை உட்செலுத்துதல்” in clinical settings. In Hindi, it is called “गर्भाशय अंतःस्रावण” (garbhashay antahsravan). Most patients and clinics across India use the English abbreviation “IUI” in conversation, and this is the term to use when searching online or communicating with your fertility clinic.
If you have done a workup and are deciding whether IUI is the right next step, or if you have started IUI cycles and want a clear picture of your options going forward, a ₹399 video consultation will give you a personalised plan based on your actual numbers.
