Fahim Ansari is accused of helping to plan the attacks in which 173 people were killed in November.
His lawyer, Ejaz Naqvi, has filed legal papers with Mumbai magistrate's court, claiming the "white woman" removed all his clothes and showed him pornographic films.
In the papers, he claims that three foreigners, including the woman, sexually abused him, causing him "severe itching and wounds" on his body, including his genitals.
Mr Ansari, a devout Muslim, claims this amounts to torture because it is against his religion, The Sun newspaper has reported.
A court in the Indian city ordered medical checks on "wounds on his private parts and all over his body."
Mr Ansari was arrested with five other suspects last year.
Police have said that he is a trained member of Lashkar-e-Taiba, the terrorist organisation responsible for the Mumbai attacks.
He was detained in February last year in connection with an attack on a police camp in Rampur that left seven paramilitaries and one civilian dead.
Police have said Mr Ansari had hand-drawn maps of key Mumbai landmarks, some of which were hit in the attacks that started on 26 November.
Female FBI officer 'tortured Mumbai terror attacks suspect with sex' - Telegraph Probably not the most credible source, but hilarious if true. al-Qaeda should use this incident as a recruiting tool.
FEMALE FBI Officer Tortures Mumbai Terror Suspect With Sex -
14th February 2009
