Cost of Living Comparison Between Ludhiana and Mumbai (Bombay) Cost of Living Comparison Between Ludhiana and Mumbai (Bombay)

Monthly Cost of Living

A single person spends $484 per month in Ludhiana vs $795 in Mumbai (Bombay), rent included.

A couple spends around $831 per month in Ludhiana vs $1,311 in Mumbai (Bombay), rent included.

A family of three spends $1,178 per month in Ludhiana vs $1,827 in Mumbai (Bombay), rent included.

Ludhiana is about 39% cheaper than Mumbai (Bombay), driven mainly by Eating Out.

Both Ludhiana and Mumbai (Bombay) are more affordable than the global median – Ludhiana 65% lower, Mumbai (Bombay) 42% lower.

Meal at Budget Restaurant

$3.37 ₹320

$5.30 ₹503

-36.42%

Three-Course Dinner for Two, Mid-Range

$10.42 ₹989

$21.42 ₹2,033

-51.35%

Fast Food Meal (McDonalds, etc)

$3.65 ₹346

$4.29 ₹407

-14.92%

Cappuccino

$1.92 ₹183

$2.61 ₹248

-26.44%

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

$0.37 ₹35.26

$0.41 ₹38.48

-9.76%

Water (0.33 liter bottle)

$0.25 ₹23.82

$0.14 ₹13.12

78.57%

Local Beer (0.5 liter draught)

$1.72 ₹163

$2.59 ₹246

-33.59%

Imported Beer (0.33 liter bottle)

$3.73 ₹354

$4.16 ₹395

-10.34%

Milk (1 liter)

$0.74 ₹70.4

$0.69 ₹66.0

7.25%

White Bread (500g)

$0.55 ₹52.3

$0.49 ₹46.28

12.24%

Rice (white) (1kg)

$0.79 ₹75.2

$0.73 ₹69.2

8.22%

Eggs

$0.82 ₹77.4

$0.95 ₹90.0

-13.68%

Local Cheese (1kg)

$3.85 ₹365

$5.69 ₹540

-32.34%

Chicken Fillets (1kg)

$3.15 ₹299

$3.48 ₹330

-9.48%

Apples (1kg)

$2.03 ₹193

$2.34 ₹223

-13.25%

Banana (1kg)

$0.63 ₹60.1

$0.67 ₹63.7

-5.97%

Oranges (1kg)

$0.81 ₹76.9

$1.20 ₹114

-32.50%

Tomato (1kg)

$0.39 ₹36.60

$0.50 ₹47.44

-22.00%

Potato (1kg)

$0.26 ₹24.48

$0.38 ₹35.75

-31.58%

Onion (1kg)

$0.32 ₹30.85

$0.40 ₹38.37

-20.00%

Lettuce (1 head)

$0.43 ₹41.29

$0.49 ₹46.40

-12.24%

Water (1.5 liter bottle)

$0.33 ₹31.07

$0.29 ₹27.14

13.79%

Cigarettes 20 Pack (Marlboro, Camel)

$3.66 ₹347

$4.98 ₹472

-26.51%

Wine (Bottle)

$12.64 ₹1,200

$8.23 ₹781

53.58%

Local Beer (0.5 liter bottle)

$1.83 ₹174

$2.10 ₹200

-12.86%

Imported Beer (0.33 liter bottle)

$3.13 ₹297

$3.15 ₹299

-0.63%

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

$7.16 ₹680

$5.95 ₹565

20.34%

One-way Ticket (Public Transport)

$0.51 ₹48.72

$0.20 ₹18.96

155.00%

Public Transport Monthly Pass (Regular Price)

$15.53 ₹1,475

$5.88 ₹558

164.12%

Taxi Start (Normal Tariff)

$1.54 ₹147

$0.31 ₹29.21

396.77%

Taxi (Normal Tariff) (1km)

$0.44 ₹41.56

$0.33 ₹31.43

33.33%

Taxi 1hour Waiting (Normal Tariff)

$2.15 ₹204

$1.55 ₹147

38.71%

Gasoline (1 liter)

$1.10 ₹104

$1.10 ₹105

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

$16.7K ₹1.6M

$16.2K ₹1.5M

2.97%

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

$22.2K ₹2.1M

$22.6K ₹2.1M

-1.73%

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

$53.8 ₹5,106

$59.1 ₹5,612

-9.02%

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

$3.12 ₹296

$4.38 ₹416

-28.77%

Internet (50+ Mbps, Unlimited Data)

$5.96 ₹566

$9.34 ₹887

-36.19%

Gym Membership (Monthly)

$15.41 ₹1,463

$27.20 ₹2,582

-43.35%

Tennis Court (1 Hour on Weekend)

$10.31 ₹979

$14.11 ₹1,340

-26.93%

Cinema Ticket

$3.64 ₹346

$4.62 ₹439

-21.21%

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

$73.3 ₹6,954

$118 ₹11.2K

-37.73%

International Primary School, 1 Child (Yearly)

$1,428 ₹135.6K

$4,947 ₹469.7K

-71.13%

Jeans (Levis 501 Or Similar)

$21.46 ₹2,038

$33.63 ₹3,193

-36.19%

Summer Dress (H&M, Zara, etc)

$32.91 ₹3,125

$38.59 ₹3,664

-14.72%

Sport Shoes (Adidas, Nike)

$71.0 ₹6,740

$59.8 ₹5,675

18.75%

Men's Leather Business Shoes

$37.20 ₹3,532

$48.89 ₹4,642

-23.91%

1-bedroom Apartment, City Center (Monthly)

$171 ₹16.2K

$652 ₹61.9K

-73.81%

1-bedroom Apartment, Outside City Center (Monthly)

$105 ₹9,955

$356 ₹33.8K

-70.53%

3-bedroom Apartment, City Center (Monthly)

$419 ₹39.7K

$1,907 ₹181.1K

-78.05%

3-bedroom Apartment, Outside City Center (Monthly)

$386 ₹36.6K

$863 ₹81.9K

-55.27%

Buy Apartment in City Center (m2)

$603 ₹57.2K

$6,242 ₹592.6K

-90.34%

Buy Apartment Outside City Center (m2)

$493 ₹46.8K

$2,324 ₹220.6K

-78.77%

Average Monthly Net Salary (After Tax)

$432 ₹41.0K

$804 ₹76.3K

-46.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.17

8.36

9.69%

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

Last update for Ludhiana: August 29, 2026

Last update for Mumbai (Bombay): August 30, 2026

Cost Breakdown

A central one-bedroom costs $171 in Ludhiana versus $652 in Mumbai (Bombay). 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 86% higher in Mumbai (Bombay), 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 $10.00 in Ludhiana versus $21.00 in Mumbai (Bombay). Monthly groceries follow the same trend: $114 vs $117 – making Ludhiana the more affordable choice for daily food spending.

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

Ludhiana vs Mumbai (Bombay): Cost of Living - Frequently Asked Questions

Monthly costs with rent: $484 in Ludhiana, $795 in Mumbai (Bombay) – roughly 64% apart. Mumbai (Bombay) costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $726 per month in Ludhiana and $1,192 in Mumbai (Bombay). That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $73.3 per month in Ludhiana and $118 in Mumbai (Bombay). For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 3% more in Mumbai (Bombay), though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Ludhiana, where all-in costs run around $484, than in Mumbai (Bombay) at $795. In Ludhiana it covers expenses comfortably, while in Mumbai (Bombay) it requires careful planning or may not stretch far enough.

It depends on your priorities. Mumbai (Bombay) has an edge in some lifestyle areas, with costs from $484 in Ludhiana to $795 in Mumbai (Bombay). Climate, culture, job market, and personal taste all factor in.

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