However, they do not have an idea of the Cost of surrogacy in Mumbai. And What is the process of Surrogacy? Surrogacy means when a woman who is agrees to give birth to a child on behalf of another couple. It is a very complex process. This process also takes time. It happened when the woman faced the problem of infertility or not being able to get pregnant. The woman who agrees to give birth is known as a surrogate mother.