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Stem Cells: What They Actually Treat, and the Cord Blood Banking Decision

Stem Cell Banking
Written by - Mittali KhuranaLast updated: Sep 15, 2026
Stem Cells: What They Actually Treat, and the Cord Blood Banking Decision
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Read time12 min

Quick answer

Stem cell therapy is established for a specific group of blood and immune conditions, treated with a bone marrow, peripheral blood or cord blood transplant. It is not an established treatment for Alzheimer's, Parkinson's, diabetes, arthritis, autism, cerebral palsy or spinal cord injury. Those remain research. In India, official guidance states that haematopoietic stem cell transplantation is the only proven stem cell therapy.


Key takeaways

  • One proven category, many research areas. Blood-forming stem cell transplants are established medicine. Almost everything else you will read about is still being studied.

  • Be sceptical of any clinic offering stem cell treatment for autism, cerebral palsy, spinal injury, diabetes or joint problems. Indian national guidance treats these as investigational, and unproven stem cell marketing is a documented problem here.

  • For Indian families, thalassaemia and sickle cell disease matter most. These are conditions a stem cell transplant can genuinely cure, and they are common in parts of India.

  • A child's own stored cord blood usually cannot treat a genetic condition they already have, which removes a large part of what private banking is sold on.

  • Professional bodies generally favour public donation over private banking, unless your family has a specific medical reason.


What stem cells are

Stem cells are unspecialised cells that can divide to make more of themselves and can develop into specific cell types.

Type

Where from

What it can become

Haematopoietic stem cells

Bone marrow, circulating blood, umbilical cord blood

All blood and immune cells

Mesenchymal stem cells

Bone marrow, fat, cord tissue

Bone, cartilage, fat and connective tissue cells. Widely marketed, largely investigational

Embryonic stem cells

Early embryos

Almost any cell type. Research use, tightly regulated

Induced pluripotent stem cells

Adult cells reprogrammed in a laboratory

Almost any cell type. Research use, and a major tool in drug testing

The distinction that matters to a patient: haematopoietic stem cell transplantation is decades-old, established treatment. The other categories are being studied, and some are being sold long before the evidence exists.


What stem cell therapy is actually established for

Condition group

Examples

Blood cancers

Leukaemia, lymphoma, myeloma

Bone marrow failure

Aplastic anaemia

Inherited blood disorders

Thalassaemia major and sickle cell disease. Both are significant in India, and a transplant can be curative

Certain inherited immune deficiencies

Severe combined immunodeficiency and related conditions

Some inherited metabolic disorders

A small, specific group

Certain eye surface injuries

Limbal stem cell grafts, for specific corneal damage

Severe burns

Laboratory-grown skin grafts

That is close to the complete list of established uses.

For Indian families, the thalassaemia and sickle cell entry is the one worth knowing about. These conditions are common in several Indian populations, transplantation can cure them, and a matched sibling donor is often the best source. That is also the single clearest reason a family might choose to store cord blood, as described below.


What stem cells do not currently treat

These are research areas, not treatments. You will see all of them listed as treatable, including in older articles, and that framing is not accurate.

  • Alzheimer's disease

  • Parkinson's disease

  • Spinal cord injury

  • Type 1 and type 2 diabetes

  • Osteoarthritis and other joint disease

  • Heart disease and heart failure

  • Vision loss, other than the specific corneal use above

  • Hearing loss

  • Multiple sclerosis, outside approved trials

  • Autism

  • Cerebral palsy

  • Muscular dystrophy

  • Kidney and liver disease

Some of these are being studied in properly conducted clinical trials, which is legitimate and important. Being studied is not the same as being available.


A warning about unproven stem cell clinics

India has a documented problem with clinics offering stem cell therapy for conditions where it has not been proven to work.

Indian national guidance is explicit that haematopoietic stem cell transplantation for approved blood and immune conditions is the only established stem cell therapy, and that everything else should be done only within an approved clinical trial.

Warning signs of an unproven offering:

  • Treatment offered for autism, cerebral palsy, spinal cord injury, muscular dystrophy or a neurological condition

  • The same treatment offered for many unrelated diseases. No single therapy works for everything

  • Large upfront payment, often lakhs of rupees, and not covered by insurance

  • Testimonials rather than published results

  • No control group, no registered trial, no ethics committee approval

  • Pressure to decide quickly

  • Claims that the treatment is "the future" or "not yet accepted by mainstream medicine"

  • No named consultant with relevant specialist qualifications

Ask any clinic offering stem cell therapy:

  • Is this an approved treatment or a clinical trial?

  • Is the trial registered with the Clinical Trials Registry of India, and what is the registration number?

  • Which ethics committee approved it?

  • Where are the published results?

  • What happens if it does not work?

The families most often targeted are those with a child who has a condition with no good treatment. That is precisely why the marketing is effective and why the caution matters.


Cord blood banking: the decision Indian parents are actually facing

This is the part most relevant if you are pregnant, and it is where the commercial pressure sits.

Umbilical cord blood contains haematopoietic stem cells. It is collected after birth, from the cord and placenta, which are otherwise discarded. Collection is painless and does not affect you or your baby.

Public versus private banking

Public banking (donation)

Private banking (family storage)

Who can use it

Any matched patient who needs a transplant

Your child, or potentially a sibling or relative

Cost to you

Free

Substantial. Enrolment plus annual storage, typically running into tens of thousands of rupees or more over the storage period

Availability in India

Limited. Few public banks, and not available at every hospital

Widely marketed

Professional body position

Generally encouraged

Generally not recommended as routine insurance, in the absence of a specific family indication

The limitations private banking marketing usually does not lead with

Your child's own cord blood often cannot treat your child.

  • For an inherited genetic condition, such as thalassaemia, sickle cell disease or an inherited immune disorder, the stored cord blood carries the same genetic fault. It cannot be used to treat that condition in the same child

  • For childhood leukaemia, the stored cord blood may already carry pre-leukaemic changes, so a donor source is usually preferred

  • Volume is limited. A single cord blood unit contains a relatively small number of cells, which can be insufficient for an older child or an adult

  • The likelihood of a child using their own stored cord blood is very low. Published estimates vary widely, but all of them are small

When private or directed banking does make clear sense

There is one situation where it is genuinely worthwhile: when a family member, usually an older sibling, has a condition that a stem cell transplant treats, such as thalassaemia major, sickle cell disease, leukaemia or an inherited immune deficiency, and the new baby could be a matched donor.

This is called directed or sibling donation, and in that situation many banks and some hospitals offer it at reduced cost or free. If this applies to your family, raise it with your haematologist during pregnancy, well before delivery, because collection has to be arranged in advance.

If you are considering private banking anyway

That is a reasonable personal decision, and plenty of families make it. Ask these questions before paying:

  • Is the bank licensed? Cord blood banks in India require a licence, and you should be able to see it

  • Is it accredited, and by whom?

  • How many units has it actually released for transplant? This is the most revealing question, and many banks have released very few or none

  • What exactly does the fee cover, and for how many years?

  • What happens if the company closes or is sold?

  • What are the minimum cell count and volume standards for accepting a unit? Some collections are too small to be usable, and you should know whether you would be told

  • Can you see the full contract before delivery?

Do not sign at the hospital during labour. Decide in the second trimester, with time to read the contract.


What is in this for research

The genuinely exciting uses of stem cells right now are mostly in the laboratory rather than the clinic.

  • Understanding how diseases develop, by growing affected tissue and watching it

  • Testing new drugs on human cells before human trials, which reduces risk and animal use

  • Growing tissue for transplant, which is progressing but not yet routine

  • Gene therapy combined with stem cells, which is showing real promise for some inherited blood disorders

These are reasons for optimism about the next decade. They are not reasons to pay a clinic today.


Frequently asked questions

What diseases can stem cells treat?
Established uses are blood cancers, bone marrow failure, inherited blood disorders such as thalassaemia and sickle cell disease, certain inherited immune deficiencies, some metabolic disorders, and specific eye and skin applications.

Can stem cells treat autism or cerebral palsy?
No. These are not established uses. Indian national guidance treats them as investigational, and clinics offering them commercially are operating outside approved practice.

Is cord blood banking worth it?
Public donation is generally encouraged. Private banking is generally not recommended as routine insurance by professional bodies, unless your family has a specific medical indication such as a sibling with thalassaemia.

Can my baby use their own cord blood?
Often not, particularly for an inherited condition, because the stored cells carry the same genetic fault. The likelihood of any child using their own stored cord blood is very low.

Does cord blood collection hurt the baby?
No. It is collected after birth from the cord and placenta, which would otherwise be discarded.

When should I decide about cord blood banking?
During the second trimester, so you have time to read the contract and, if relevant, arrange directed donation. Do not decide during labour.

What if my older child has thalassaemia?
This is the clearest reason to consider banking. Speak to your haematologist during pregnancy, since sibling donor collection needs arranging in advance.

How do I know if a stem cell clinic is legitimate?
Ask whether it is an approved treatment or a registered clinical trial, ask for the trial registration number and ethics approval, and ask for published results. Be cautious of any clinic offering the same treatment for many unrelated conditions.

Are stem cell injections useful for knee or joint pain?
This remains investigational. It is widely marketed and not an established treatment.


The bottom line

Stem cell therapy is genuinely curative for a specific group of blood and immune conditions, and for Indian families the most important of those are thalassaemia and sickle cell disease. Everything else you will read about, including Alzheimer's, Parkinson's, diabetes, autism and spinal injury, is research rather than treatment, and any clinic selling it as treatment is worth walking away from. If you are pregnant and weighing cord blood banking, the honest position is that public donation is encouraged, private banking is rarely recommended without a family indication, and the one clear case for it is a sibling who needs a transplant.


Sources

This article is for general information and is not a substitute for professional medical advice. Speak to a haematologist or your obstetrician before making decisions about stem cell treatment or cord blood banking.

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Medical Disclaimer

This content is for informational purposes only and should not replace professional medical advice. Consult with a physician or other health care professional if you have any concerns or questions about your health. If you rely on the information provided here, you do so solely at your own risk.

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