Namrata Nangia and her husband have been toying with the idea of having another child since their five-year-old daughter was born.

But it always comes back to one question: ‘Can we afford it?’

She lives in Mumbai and works in pharmaceuticals, her husband works at a tyre company. But the costs of having one child are already overwhelming - school fees, the school bus, swimming lessons, even going to the GP is expensive.

It was different when Namrata was growing up. “We just used to go to school, nothing extracurricular, but now you have to send your kid to swimming, you have to send them to drawing, you have to see what else they can do.”

According to a new report by the United Nations Population Fund (UNFPA), the UN agency for reproductive rights, Namrata’s situation is becoming a global norm.