Planning for your baby’s arrival is one of life’s most exciting moments, but understanding the financial aspects can feel overwhelming. Our Pregnancy Cost Calculator is designed specifically for Indian families to accurately estimate all pregnancy and delivery expenses, helping you budget wisely for this precious journey.
Whether you’re planning a normal delivery or C-section, choosing between government and private hospitals, or wondering about insurance coverage, our comprehensive calculator provides real-time cost estimates based on your city, hospital preferences, and specific requirements. With rising healthcare costs across India – where delivery expenses can range from ₹25,000 to ₹2 lakh – having a clear financial roadmap is essential.
Key Features of Our Calculator:
- City-specific pricing for 50+ Indian cities
- Hospital category comparison (Government vs Private vs Premium)
- Delivery type calculator (Normal vs Cesarean costs)
- Insurance benefit integration
- Complete pregnancy journey costs (prenatal to postnatal care)
- Downloadable budget plan for easy planning
Simply enter your details below to get your personalized pregnancy cost estimate in under 2 minutes. Join thousands of Indian families who’ve successfully planned their maternity budget with our trusted calculator.
Pregnancy Cost Calculator
Plan your pregnancy journey with comprehensive cost breakdown from conception to after delivery
What is the average cost of pregnancy and delivery in India?
Government hospitals charge ₹5,000-₹25,000 while private hospitals cost ₹25,000-₹2,00,000. Metropolitan cities are more expensive than smaller cities.
How much does normal delivery cost in private hospital?
Normal delivery in private hospitals costs ₹25,000-₹75,000 depending on city and hospital category. This includes room charges, doctor fees, and basic newborn care.
What’s the difference between normal delivery and C-section
C-section costs 40-60% more than normal delivery. Normal delivery: ₹25,000-₹75,000. C-Section: ₹40,000-₹1,20,000.
Does insurance cover pregnancy costs?
Yes, most health insurance plans cover pregnancy after 2-4 years waiting period. Coverage ranges from ₹25,000-₹1,00,000 depending on your policy.
What hidden pregnancy costs should I know about?
Prenatal vitamins (₹2,000-₹5,000), ultrasound scans (₹500-₹2,000 each), genetic testing (₹5,000-₹15,000), maternity clothes (₹5,000-₹15,000), and baby items (₹20,000-₹50,000).
How much should I budget for entire pregnancy?
Budget ₹50,000-₹1,00,000 for government hospitals, ₹1,00,000-₹2,00,000 for private hospitals, and ₹2,00,000+ for premium hospitals.
Which cities have lowest pregnancy costs?
Bhubaneswar (₹20,000-₹60,000), Indore (₹25,000-₹70,000), and Kochi (₹30,000-₹75,000) are most affordable. Mumbai, Delhi, Bangalore are most expensive.
When should I start planning financially for pregnancy?
Start 6-12 months before conception. Begin saving, research insurance options, and complete health checkups well in advance.
What government schemes help with pregnancy costs?
Janani Suraksha Yojana provides cash assistance, Pradhan Mantri Matru Vandana Yojana gives ₹5,000 for first pregnancy, and various state schemes offer additional benefits.
How accurate are pregnancy cost calculators?
Online calculators provide good estimates but actual costs may vary by 15-30%. Always confirm final costs directly with your chosen hospital.
What’s the cost difference between government and private hospitals?
Government hospitals cost 70-80% less than private hospitals but may have longer waiting times. Private hospitals offer more comfort and personalized care.
How much does C-section cost in major cities?
Mumbai: ₹60,000-₹2,00,000, Delhi: ₹50,000-₹1,80,000, Bangalore: ₹45,000-₹1,50,000, Pune: ₹35,000-₹1,20,000.
How much insurance covers pregnancy expenses?
Good maternity insurance covers 60-80% of pregnancy costs after waiting period. Remaining 20-40% includes deductibles and non-covered items.
What are monthly pregnancy costs in India?
Monthly costs range ₹3,000-₹15,000 including doctor visits, tests, medicines, and supplements. Third trimester is typically more expensive.
Which are cheapest cities for delivery in India?
Nashik, Mangalore, Vijayawada, Chandigarh, and Thiruvananthapuram offer affordable costs while maintaining good healthcare standards – typically 40-50% cheaper than metro cities.