Kidney Stone Surgery Cost in Mumbai 2026: Complete Price Guide

If you are searching for kidney stone surgery cost in Mumbai, the amount can vary substantially depending on the stone’s size and location, the procedure selected, hospital category, surgeon fees, investigations, anaesthesia, room charges and whether insurance or a government health scheme is used. A current Mumbai cost listing from Practo places overall kidney-stone treatment at roughly ₹30,000 to ₹1.5 lakh, with an average around ₹80,000; its procedure-specific figures include about ₹42,000 for ESWL, ₹1.05 lakh for PCNL and ₹30,000 for laser lithotripsy. These are indicative marketplace estimates, not fixed hospital tariffs.

For Maharashtra government schemes, the official MJPJAY/PMJAY package documents publish separate package amounts for procedures such as ESWL, URSL and PCNL, so an eligible patient’s out-of-pocket cost can be very different from a self-paying private-hospital bill.

This guide explains the kidney stone surgery price in Mumbai in 2026, the main treatment options, what a hospital quotation may include, insurance and government-scheme considerations, and how to compare estimates before treatment.

Important: Private-hospital prices below are indicative, not guaranteed tariffs. Always obtain a written estimate from the treating hospital.

Quick Answer: How Much Does Kidney Stone Surgery Cost in Mumbai?

For a self-paying patient, a reasonable published Mumbai reference range is approximately ₹30,000–₹1,50,000 for kidney-stone treatment overall, although the actual bill can fall outside this range depending on complexity and hospital. Practo currently reports an average of about ₹80,000.

Cost Snapshot

*Official package amounts are scheme/package figures and should not be interpreted as ordinary private-hospital retail prices or as a guarantee of eligibility. The current MJPJAY/PMJAY package documents list these amounts for specified procedures.

The difference between a package amount and a private hospital quotation can be considerable because they operate under different pricing structures.

What Is Kidney Stone Surgery?

Kidney stone surgery refers to procedures used to break up or remove stones that cannot safely or effectively pass naturally.

The treatment chosen depends mainly on:

• Stone size
• Stone location
• Number of stones
• Whether the stone is blocking urine flow
• Pain and symptoms
• Infection
• Kidney function
• Previous treatment
• Patient-specific anatomy and medical factors

Common procedures include shockwave lithotripsy (SWL/ESWL), ureteroscopy (URS/URSL), laser lithotripsy, and percutaneous nephrolithotomy (PCNL). NHS guidance similarly identifies SWL, ureteroscopy and PCNL as the main surgical approaches for larger kidney stones.

Treatment is not automatically necessary for every kidney stone. Some smaller, asymptomatic stones may be monitored, while larger or problematic stones may require intervention. NICE guidance bases treatment selection on factors including stone size and location.

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Kidney Stone Surgery Cost in Mumbai by Procedure

1. ESWL / Shockwave Lithotripsy Cost

Extracorporeal Shock Wave Lithotripsy (ESWL) uses externally generated shock waves to break a stone into smaller fragments that can then pass through the urinary tract.

A current Mumbai Practo listing reports:

• Starting price: about ₹31,000
• Average: about ₹42,000
• Upper listed price: about ₹52,000

The final price may increase if more than one session is required.

The suitability of ESWL depends on the stone’s size, location and other clinical factors. NICE recommends SWL for selected smaller renal or ureteric stones, while other stones may be better treated with ureteroscopy or PCNL.

2. Ureteroscopy / URSL Cost

Ureteroscopy involves passing a thin scope through the urinary tract to reach the stone. The stone can be removed or fragmented, often using laser energy.

A Mumbai cost listing reports laser lithotripsy at approximately ₹25,000–₹35,000, with an average listed cost of ₹30,000.

However, the final hospital bill may be higher when it includes:

• Surgeon fee
• Anaesthesia
• Operation-theatre charges
• Laser equipment
• Stent placement
• Imaging
• Medicines
• Hospital stay
• Follow-up procedures

The official MJPJAY/PMJAY package document lists URSL as a separate package procedure.

3. PCNL Cost in Mumbai

Percutaneous nephrolithotomy (PCNL) is a minimally invasive procedure in which a small access tract is created through the back into the kidney so that larger stones can be fragmented and removed.

The Mumbai Practo listing reports approximately:

• Starting price: ₹1,00,000
• Average: ₹1,05,000
• Upper listed price: ₹1,10,000

PCNL is generally considered for larger or more complex renal stones. NICE guidance recommends PCNL for renal stones larger than 20 mm, while treatment decisions for smaller stones depend on the clinical situation.

The official Maharashtra package documents separately list PCNL under lithotripsy/urology packages.

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What Determines the Cost of Kidney Stone Surgery in Mumbai?

There is no single Mumbai kidney stone surgery price because two patients with the same diagnosis may require different procedures and hospital resources.

1. Stone Size

Larger stones can require more complex treatment and sometimes more than one intervention.

2. Stone Location

A stone located in the kidney may require a different approach from a stone lodged in the ureter.

3. Type of Procedure

ESWL, ureteroscopy/laser treatment and PCNL involve different equipment, operating-room requirements and hospital resources.

4. Number of Stones

Multiple stones may require longer procedures or additional treatment.

5. Surgeon Fees

Specialist consultation and procedural fees can vary according to the hospital and clinician.

6. Hospital Category

A government hospital, standard private hospital and premium tertiary-care facility can have substantially different billing structures.

7. Room Category

If admission is required, room selection can affect the total hospital bill.

8. Anaesthesia

Some stone procedures require general or other forms of anaesthesia. NHS guidance notes that ureteroscopy and PCNL are performed under general anaesthesia.

9. Diagnostic Tests

The treatment plan may require imaging and laboratory investigations before or after the procedure.

10. Stent or Other Consumables

A ureteric/DJ stent may be required in selected cases. The current MJPJAY package list separately identifies a DJ stent package.

11. Hospital Stay

A longer stay can increase room, nursing and related charges in self-paying treatment.

12. Complications

Infection, bleeding, obstruction or other complications can require additional treatment and increase the bill.

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Kidney Stone Surgery Cost Breakdown

A private hospital quotation may contain several separate components.

Do not assume that a quoted “surgery cost” includes all of these items. Ask the hospital for a written inclusion and exclusion list.

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Government vs Private Hospital Kidney Stone Treatment Cost in Mumbai

The two systems should not be compared simply on headline price because their billing and eligibility structures are different.

The official MJPJAY site states that eligible beneficiaries receive treatment through an identified network of healthcare providers, subject to scheme rules and package rates.

Neither government nor private care should automatically be considered “better.” The appropriate choice depends on medical needs, availability, eligibility, urgency, finances and clinician advice.

MJPJAY and Government Health Coverage in Maharashtra

Maharashtra’s Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) provides specified healthcare services through participating hospitals for eligible beneficiaries.

The official scheme documentation lists urology and kidney-stone-related procedures, including:

• ESWL
• URSL
• PCNL
• DJ stent procedures
• Other urological procedures

The current package document lists:

• ESWL — ₹20,000
• URSL — ₹30,000
• PCNL — ₹30,000

These are scheme package amounts, not universal Mumbai surgery prices.

Eligibility, participating hospitals, pre-authorization requirements and package rules should be checked through the official MJPJAY system before treatment. The official portal also provides information about participating hospitals and scheme services.

What Does a Government Package Include?

The official MJPJAY information describes package-based treatment as covering multiple components, including hospital/bed charges, nursing, surgeon and anaesthetist fees, OT charges, medicines, surgical appliances, implants where applicable and diagnostic tests, subject to the applicable package rules.

That is one reason a government package amount should not be directly compared with a private hospital’s “procedure-only” price.

Does Insurance Cover Kidney Stone Surgery in Mumbai?

Kidney stone treatment may be covered by health insurance when the procedure is medically necessary and meets the policy’s terms.

Depending on the policy, relevant considerations can include:

• Network hospital status
• Cashless facility
• Pre-authorization
• Waiting periods
• Pre-existing disease rules
• Deductibles
• Co-payment
• Sub-limits
• Room-rent limits
• Non-medical expenses
• Policy exclusions

Insurance approval is not automatic. Coverage depends on the policy terms, medical necessity, insurer approval and hospital network status.

Before admission, ask the hospital’s insurance desk:

1. Is the hospital in my insurer’s network?
2. Is cashless treatment available?
3. Has pre-authorization been submitted?
4. What amount is expected to be approved?
5. Which expenses are excluded?
6. Is there a room-rent limit?
7. Will a DJ stent or additional procedure require separate approval?

When Is Kidney Stone Surgery Medically Necessary?

Not every kidney stone requires surgery.

Some smaller stones can pass naturally and may be managed with observation, pain control and other medical treatment when clinically appropriate.

Intervention may be considered when a stone:

• Is unlikely to pass naturally
• Causes persistent or severe symptoms
• Blocks urine flow
• Causes recurrent problems
• Is associated with infection
• Is sufficiently large to require active removal
• Creates a risk to kidney function

The exact treatment depends on stone size, location and clinical circumstances.

For example, NICE guidance recommends different interventions according to renal or ureteric stone size and location rather than using one procedure for every patient.

How to Compare Kidney Stone Surgery Quotations in Mumbai

Before accepting a quotation, ask the hospital to answer these questions in writing:

Package Questions

• Is the surgeon’s fee included?
• Is anaesthesia included?
• Is the operation-theatre charge included?
• Are medicines included?
• Are consumables included?
• Is the laser/equipment charge included?
• Is the DJ stent included if required?
• Are diagnostic tests included?
• Is the room included?
• How many hospital days are included?

Additional-Cost Questions

• What happens if the hospital stay is extended?
• What happens if a second procedure is required?
• What happens if the stone is not completely cleared?
• Are complications billed separately?
• Are follow-up consultations included?
• Are post-procedure scans included?

This checklist can prevent a low initial quotation from becoming a substantially higher final bill.

Why Can the Final Hospital Bill Be Higher?

Unexpected expenses may arise from:

• Additional imaging
• Longer admission
• Infection treatment
• Additional medicines
• Additional procedure
• ICU requirement
• Different room category
• Additional consumables
• Stent-related procedures
• Repeat stone treatment

These possibilities do not mean complications are expected. They simply explain why hospitals often cannot guarantee an exact final bill before assessing the patient.

Mumbai Healthcare Considerations

Mumbai has a broad range of healthcare facilities, from public hospitals and charitable institutions to private hospitals and specialised urology centres.

Patients comparing kidney stone treatment cost in Mumbai may encounter different quotations because healthcare pricing is not uniform across the city.

Before choosing a facility, consider:

• Availability of a qualified urologist
• Required treatment technology
• Emergency support
• Accreditation and hospital infrastructure
• Insurance network status
• Published package inclusions
• Distance from home
• Follow-up arrangements
• Availability of the required procedure

A lower price should not be the only consideration when selecting treatment.

ESWL vs Laser Treatment vs PCNL: Cost and Use

The Mumbai prices above are current published indicative figures from Practo and should not be treated as hospital quotations.

Clinically, the choice should be made based on stone characteristics and patient factors rather than price alone. NICE guidance, for example, uses stone size and location when determining whether SWL, URS or PCNL should be considered.

How Long Is Recovery After Kidney Stone Surgery?

Recovery varies by procedure and individual health.

Generally:

• ESWL may involve relatively short recovery, although stone fragments may take time to pass.
• Ureteroscopy often allows relatively quick return to routine activities, but temporary urinary symptoms can occur.
• PCNL is more invasive and may require a longer recovery period than simpler endoscopic treatments.

The actual recovery period depends on the procedure, stone burden, complications and the patient’s overall health.

Your urologist should provide specific instructions about activity, hydration, medicines, follow-up imaging and stent management.

When Should Kidney Stone Symptoms Be Treated Urgently?

Seek prompt medical attention if kidney-stone symptoms are accompanied by concerning features such as:

• Fever or chills
• Severe or uncontrolled pain
• Vomiting with inability to keep fluids down
• Difficulty passing urine
• Significant weakness or worsening symptoms

A blocked urinary system associated with infection can be a medical emergency. NICE guidance recommends urgent surgical treatment in certain adults with ureteric stones when pain remains intolerable or the stone is unlikely to pass.

Frequently Asked Questions

1. How much does kidney stone surgery cost in Mumbai in 2026?

Published Mumbai estimates vary from about ₹30,000 to ₹1.5 lakh for kidney-stone treatment overall, with Practo reporting an average of around ₹80,000. The exact cost depends on the procedure and hospital.

2. What is the cheapest kidney stone treatment in Mumbai?

There is no universally cheapest medically appropriate treatment. ESWL may cost less than PCNL in some settings, but the correct treatment depends on the stone’s size, location and clinical characteristics.

3. How much does ESWL cost in Mumbai?

A current Mumbai Practo listing gives approximately ₹31,000–₹52,000, with an average of about ₹42,000.

4. How much does PCNL cost in Mumbai?

The same published Mumbai listing gives approximately ₹1 lakh–₹1.10 lakh, with an average around ₹1.05 lakh.

5. How much does laser kidney stone treatment cost in Mumbai?

A current published estimate lists laser lithotripsy at around ₹25,000–₹35,000, averaging about ₹30,000. Hospital-specific costs may be higher once other charges are included.

6. Does health insurance cover kidney stone surgery?

It may. Coverage depends on the policy, medical necessity, insurer approval, hospital network status, waiting periods, deductibles, co-payments and exclusions.

7. Does MJPJAY cover kidney stone treatment?

The official Maharashtra package documents include kidney-stone-related procedures such as ESWL, URSL and PCNL. Eligibility and package applicability must be verified through the current MJPJAY rules and participating hospital.

8. Is PCNL more expensive than ESWL?

In the currently published Mumbai estimates, yes. Practo lists ESWL at approximately ₹42,000 on average and PCNL at approximately ₹1.05 lakh. However, procedure selection should be based on medical suitability rather than price alone.

9. What extra charges should I ask about?

Ask about surgeon fees, anaesthesia, diagnostics, room charges, medicines, consumables, laser/equipment charges, DJ stent, additional hospital days, complications and follow-up.

10. Can kidney stones be treated without surgery?

Some smaller stones can pass naturally and may be managed conservatively when clinically appropriate. Larger, obstructing, symptomatic or otherwise problematic stones may require active treatment.

11. Which kidney stone procedure is best?

There is no single best procedure for every stone. The appropriate option depends on stone size, location, number, anatomy and other medical factors.

12. Should I choose a hospital only because it offers the lowest price?

No. Compare the complete package, surgeon expertise, required technology, hospital support, insurance arrangements, inclusions and follow-up care—not just the headline price.

Kidney Stone Surgery Cost in Mumbai vs Delhi, Hyderabad, Bangalore & Other Indian Cities

The kidney stone surgery cost in Mumbai is not necessarily the highest or lowest in India. Prices vary by procedure, hospital type, surgeon, room category, stone complexity and whether the quoted amount includes anaesthesia, hospital stay, consumables and other charges.

Published online estimates should therefore be used as a reference point rather than a fixed tariff. Practo’s current city-wise kidney-stone treatment data reports the following indicative ranges.

Source: Practo’s current India city-wise kidney stone treatment cost data. These figures are indicative online estimates and should not be interpreted as official hospital tariffs.

Why Do Prices Differ So Much Between Cities?

The difference does not necessarily mean that kidney stone surgery is inherently more expensive in one city. Online cost databases can combine different treatments and billing structures.

For example, Practo’s Hyderabad-specific page lists approximately ₹28,000–₹47,000 for ESWL, ₹1 lakh–₹1.10 lakh for PCNL, and ₹25,000–₹35,000 for laser lithotripsy.

Similarly, its current PCNL-specific city data gives different averages for individual cities, including approximately ₹68,000 in Mumbai, ₹71,000 in Delhi, ₹61,000 in Hyderabad, ₹65,000 in Bangalore and ₹58,000 in Chennai.

This illustrates why procedure-specific comparisons are more useful than comparing a single “kidney stone surgery” average.

Mumbai vs Other Cities: What Patients Should Compare

If you are comparing treatment between Mumbai, Delhi, Hyderabad, Bangalore or Chennai, ask each hospital for an itemised quotation covering:

• Urologist/surgeon fee
• Anaesthesia
• Operation-theatre charges
• Laser or lithotripsy equipment
• Room and nursing charges
• Medicines
• Consumables
• DJ stent, if required
• Diagnostic tests
• Hospital stay
• Follow-up visits
• Stent removal, if applicable
• Additional charges if another procedure is required

A hospital with a higher initial quotation may sometimes have more items included in its package, while a lower quotation may exclude several expenses.

Is Mumbai More Expensive Than Hyderabad or Delhi?

Not necessarily. Published estimates vary considerably depending on the procedure being measured. For example, current Practo data places the overall average listed treatment cost at approximately ₹23,436 in Mumbai, ₹22,370 in Delhi, ₹61,351 in Hyderabad and ₹21,305 in Bangalore, but these figures should not be interpreted as direct apples-to-apples hospital comparisons because the underlying treatment mix can differ.

For a meaningful comparison, patients should compare the same procedure, same type of hospital, similar room category and the same package inclusions.

Important Cost Comparison Note

Different healthcare websites can publish substantially different figures for the same city. For example, another current cost source reports much broader kidney-stone removal estimates for major cities, including Mumbai, Delhi, Hyderabad and Bangalore. It also explicitly notes that costs are approximations affected by city, hospital, procedure complexity and room selection.

Therefore, there is no single fixed kidney stone surgery price for Mumbai, Delhi, Hyderabad, Bangalore or any other Indian city.

How to Get a More Accurate Kidney Stone Surgery Estimate

For a personalised estimate in Mumbai, ask the hospital for a written, itemised quotation after the urologist reviews the relevant investigations.

Ideally, the quotation should specify:

Diagnosis → Procedure → Surgeon → Anaesthesia → OT → Room → Medicines → Consumables → Stent/device → Investigations → Expected stay → Follow-up → Possible exclusions

This makes it much easier to compare two hospitals fairly.

Editorial Methodology

The private Mumbai figures used in this article are presented as indicative published estimates, not as a survey of Mumbai hospitals. The government figures are taken from official MJPJAY/PMJAY package documents and are presented separately because government package rates are not equivalent to private retail prices.

Medical explanations are cross-checked against established clinical guidance describing SWL, ureteroscopy and PCNL and the role of stone size and location in treatment selection.

Because hospital tariffs, insurance policies and government package rules can change, readers should confirm current pricing and eligibility before treatment.

Author & Medical Review

Written by: TopCityHub Editorial Team

Medically Reviewed : This article has been prepared using publicly available medical, hospital, government and healthcare information sources. Medical information should be reviewed and updated against current clinical guidance before publication.

Last Updated: August 29, 2026

Medical Review Date: August 29, 2026

Editorial note: Doctor credentials have intentionally been left as placeholders because the supplied material does not provide a verified author or medical reviewer. No medical credentials have been invented.

Medical Disclaimer

Medical costs are indicative and can vary by hospital, doctor, procedure type, location, insurance coverage, medical condition and additional treatment requirements. Readers should confirm the current estimate, inclusions and insurance coverage directly with the hospital or healthcare provider. This article is for informational purposes and does not replace professional medical advice.

References

1. National Institute for Health and Care Excellence (NICE). Renal and ureteric stones: assessment and management (NG118). Guidance on stone size, treatment selection, SWL, ureteroscopy and PCNL. NICE Guidance
2. NHS. Kidney stones – Treatment. Information on shockwave lithotripsy, ureteroscopy, PCNL and general treatment considerations. NHS Kidney Stones Treatment
3. Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY), Government of Maharashtra. Official information on scheme eligibility, participating hospitals and healthcare packages. MJPJAY Official Website
4. MJPJAY / PMJAY Official Package Rates. Government package-cost document containing listed packages for procedures including ESWL, URSL and PCNL. MJPJAY/PMJAY Package Costs
5. Practo. Kidney Stone Treatment Cost in Mumbai. Published indicative Mumbai cost information for kidney-stone treatment and procedures. Practo – Kidney Stone Treatment Cost in Mumbai

Price note: Private treatment figures in this article are indicative published estimates, not official hospital tariffs. Government scheme package rates are presented separately and should not be interpreted as standard private-hospital prices. Final costs, coverage and eligibility should be confirmed with the hospital or relevant government scheme.