Last update: Oct 2026

Cost of Living Comparison Between Delhi and Panaji

For one person, living is cheaper in Panaji: $435 a month against $522 in Delhi, rent and utilities included – about $1,000 less a year. Rent and utilities account for about half of the difference.

25

Cost of Living Index in Delhi
Learn more

Delhi Living Index
21

Cost of Living Index in Panaji
Learn more

Panaji Living Index

Jump to prices

Delhi

🇮🇳 India

$522

/mo nomad

Panaji

🇮🇳 India

$435

/mo nomad

Monthly Cost of Living

How much you'll spend in Delhi and in Panaji

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Delhi and in Panaji actually costs, broken down by who's living it.

A single person spends $522 per month in Delhi vs $435 in Panaji, rent included.

Delhi $522
Panaji $435

A couple spends around $872 per month in Delhi vs $691 in Panaji, rent included.

Delhi $872
Panaji $691

A family of three spends $1,222 per month in Delhi vs $948 in Panaji, rent included.

Delhi $1,222
Panaji $948

Delhi costs about 20% more than Panaji, and outside of rent the biggest gap is in eating out.

Both Delhi and Panaji are more affordable than the global median – Delhi 61% lower, Panaji 68% lower.

Meal at Budget Restaurant

$3.70 ₹351

$2.56 ₹243

44.53%

Three-Course Dinner for Two, Mid-Range

$21.05 ₹1,999

$15.63 ₹1,484

34.68%

Fast Food Meal (McDonalds, etc)

$3.73 ₹354

$3.61 ₹342

3.32%

Cappuccino

$2.35 ₹223

$1.68 ₹160

39.88%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.37 ₹35.21

$0.42 ₹39.92

-11.90%

Water (0.33 liter bottle)

$0.15 ₹13.93

$0.16 ₹15.46

-6.25%

Local Beer (0.5 liter draught)

$2.14 ₹203

$1.08 ₹102

98.15%

Imported Beer (0.33 liter bottle)

$3.06 ₹291

$1.78 ₹169

71.91%

Milk (1 liter)

$0.69 ₹65.1

$0.72 ₹68.8

-4.17%

White Bread (500g)

$0.53 ₹50.0

$0.52 ₹49.77

1.92%

Rice (white) (1kg)

$0.77 ₹73.1

$0.75 ₹71.3

2.67%

Eggs

$1.11 ₹105

$0.88 ₹83.9

26.14%

Local Cheese (1kg)

$4.63 ₹440

$7.42 ₹705

-37.60%

Chicken Fillets (1kg)

$3.52 ₹334

$3.51 ₹334

0.28%

Apples (1kg)

$2.00 ₹190

$2.38 ₹226

-15.97%

Banana (1kg)

$0.74 ₹70.5

$0.82 ₹77.6

-9.76%

Oranges (1kg)

$0.97 ₹92.6

$1.31 ₹124

-25.95%

Tomato (1kg)

$0.53 ₹49.92

$0.40 ₹37.88

32.50%

Potato (1kg)

$0.30 ₹28.61

$0.38 ₹36.50

-21.05%

Onion (1kg)

$0.40 ₹37.82

$0.42 ₹39.58

-4.76%

Lettuce (1 head)

$0.42 ₹39.62

$0.81 ₹76.6

-48.15%

Water (1.5 liter bottle)

$0.31 ₹29.81

$0.34 ₹32.09

-8.82%

Cigarettes 20 Pack (Marlboro, Camel)

$4.94 ₹469

$3.86 ₹366

27.98%

Wine (Bottle)

$8.21 ₹779

$7.79 ₹740

5.39%

Local Beer (0.5 liter bottle)

$1.58 ₹150

$0.97 ₹91.9

62.89%

Imported Beer (0.33 liter bottle)

$2.69 ₹255

$3.11 ₹295

-13.50%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.19 ₹588

$4.44 ₹422

39.41%

One-way Ticket (Public Transport)

$0.46 ₹43.46

$0.16 ₹15.66

187.50%

Public Transport Monthly Pass (Regular Price)

$15.78 ₹1,498

$6.43 ₹610

145.41%

Taxi Start (Normal Tariff)

$1.07 ₹102

$0.30 ₹28.26

256.67%

Taxi (Normal Tariff) (1km)

$0.27 ₹25.66

$0.50 ₹47.13

-46.00%

Taxi 1hour Waiting (Normal Tariff)

$1.58 ₹150

$2.12 ₹202

-25.47%

Gasoline (1 liter)

$1.07 ₹101

$1.04 ₹98.3

2.88%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$10.7K ₹1.0M

$16.8K ₹1.6M

-36.67%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$18.9K ₹1.8M

$25.2K ₹2.4M

-24.73%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$42.37 ₹4,024

$20.79 ₹1,974

103.80%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$4.03 ₹383

$3.47 ₹330

16.14%

Internet (50+ Mbps, Unlimited Data)

$6.95 ₹660

$8.98 ₹853

-22.61%

Gym Membership (Monthly)

$19.18 ₹1,821

$27.58 ₹2,619

-30.46%

Tennis Court (1 Hour on Weekend)

$7.92 ₹752

$3.23 ₹307

145.20%

Cinema Ticket

$5.27 ₹500

$2.95 ₹280

78.64%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$100 ₹9,525

$54.2 ₹5,144

85.16%

International Primary School, 1 Child (Yearly)

$2,247 ₹213.4K

$1,415 ₹134.4K

58.76%

Jeans (Levis 501 Or Similar)

$24.11 ₹2,290

$35.85 ₹3,405

-32.75%

Summer Dress (H&M, Zara, etc)

$27.85 ₹2,645

$26.15 ₹2,483

6.50%

Sport Shoes (Adidas, Nike)

$52.4 ₹4,977

$20.61 ₹1,957

154.29%

Men's Leather Business Shoes

$42.90 ₹4,074

$15.39 ₹1,462

178.75%

1-bedroom Apartment, City Center (Monthly)

$267 ₹25.4K

$176 ₹16.7K

51.92%

1-bedroom Apartment, Outside City Center (Monthly)

$156 ₹14.8K

$132 ₹12.6K

17.74%

3-bedroom Apartment, City Center (Monthly)

$734 ₹69.7K

$353 ₹33.6K

107.75%

3-bedroom Apartment, Outside City Center (Monthly)

$394 ₹37.5K

$259 ₹24.6K

52.29%

Buy Apartment in City Center (m2)

$2,507 ₹238.0K

$896 ₹85.1K

179.63%

Buy Apartment Outside City Center (m2)

$1,020 ₹96.8K

$687 ₹65.2K

48.52%

Average Monthly Net Salary (After Tax)

$608 ₹57.7K

$187 ₹17.8K

225.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.33

9.74

-14.48%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Delhi: October 12, 2026

Last update for Panaji: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Delhi

$156 29.9%

Panaji

$132 30.5% 15.1% $24

Groceries & Markets

Delhi

$109 20.9%

Panaji

$119 27.3% 9% $9.8

Eating Out

Delhi

$88 16.8%

Panaji

$63 14.4% 28.6% $25

Clothing & Footwear

Delhi

$66 12.7%

Panaji

$44 10.2% 33.5% $22

Monthly Utilities & Internet

Delhi

$53 10.2%

Panaji

$33 7.7% 37.7% $20

Sport & Entertainment

Delhi

$30 5.7%

Panaji

$33 7.7% 12.7% $3.8

Getting Around

Delhi

$20 3.8%

Panaji

$9.9 2.3% 50.7% $10

Cost Breakdown

A central one-bedroom costs $267 in Delhi versus $176 in Panaji. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 225% higher in Delhi, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $21.00 in Delhi versus $16.00 in Panaji. Groceries tell a different story – $109 in Delhi vs $119 in Panaji – so Delhi wins on supermarket bills even if dining out costs more.

Good to know

🇮🇳 Delhi

🇮🇳 Panaji

🕒 Local time

07:45 7:45 AM

Same time as Delhi

🌤 Weather

👥 Population

16,787,941 Capital

114,759

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Delhi Panaji 1,500 km ≈ 2 h 30 min nonstop flight

From you

Delhi
Panaji

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Delhi vs Panaji: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $522 in Delhi, $435 in Panaji – roughly 20% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $783 per month in Delhi and $652 in Panaji. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Panaji, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $21.00 in Delhi and $16.00 in Panaji. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $522 in Delhi and $435 in Panaji. That's a gap of about 20%.

$1,000 covers both cities comfortably – all-in costs are $522 in Delhi and $435 in Panaji, leaving budget for savings and extras in both cases.

It depends on your priorities. Panaji has an edge in some lifestyle areas, with costs from $435 in Panaji to $522 in Delhi. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Panaji. If higher salaries, better infrastructure, or specific career opportunities are the priority, Delhi makes more sense. Both are solid long-term options with distinct trade-offs.