Last update: Oct 2026

Cost of Living Comparison Between Ludhiana and Mumbai (Bombay)

For one person, living is cheaper in Ludhiana: $473 a month against $782 in Mumbai (Bombay), rent and utilities included – about $3,700 less a year. Rent and utilities account for most of the difference.

23

Cost of Living Index in Ludhiana
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Ludhiana Living Index
38

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index

Jump to prices

Ludhiana

🇮🇳 India

$473

/mo nomad

Mumbai (Bombay)

🇮🇳 India

$782

/mo nomad

Monthly Cost of Living

How much you'll spend in Ludhiana and in Mumbai (Bombay)

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

A single person spends $473 per month in Ludhiana vs $782 in Mumbai (Bombay), rent included.

Ludhiana $473
Mumbai (Bombay) $782

A couple spends around $814 per month in Ludhiana vs $1,299 in Mumbai (Bombay), rent included.

Ludhiana $814
Mumbai (Bombay) $1,299

A family of three spends $1,156 per month in Ludhiana vs $1,816 in Mumbai (Bombay), rent included.

Ludhiana $1,156
Mumbai (Bombay) $1,816

Ludhiana is about 40% cheaper than Mumbai (Bombay), and outside of rent the biggest gap is in 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

$3.33 ₹316

$5.38 ₹511

-38.10%

Three-Course Dinner for Two, Mid-Range

$10.62 ₹1,009

$20.76 ₹1,971

-48.84%

Fast Food Meal (McDonalds, etc)

$3.61 ₹343

$4.19 ₹398

-13.84%

Cappuccino

$1.99 ₹189

$2.74 ₹260

-27.37%

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

$0.40 ₹38.42

$0.41 ₹38.76

-2.44%

Water (0.33 liter bottle)

$0.23 ₹21.69

$0.16 ₹15.04

43.75%

Local Beer (0.5 liter draught)

$1.69 ₹161

$2.59 ₹246

-34.75%

Imported Beer (0.33 liter bottle)

$3.56 ₹338

$4.17 ₹396

-14.63%

Milk (1 liter)

$0.74 ₹69.8

$0.75 ₹71.2

-1.33%

White Bread (500g)

$0.51 ₹48.89

$0.53 ₹50.5

-3.77%

Rice (white) (1kg)

$0.84 ₹79.5

$0.73 ₹69.5

15.07%

Eggs

$0.83 ₹78.4

$0.96 ₹91.4

-13.54%

Local Cheese (1kg)

$3.80 ₹361

$5.52 ₹524

-31.16%

Chicken Fillets (1kg)

$3.07 ₹291

$3.58 ₹340

-14.25%

Apples (1kg)

$2.02 ₹192

$2.14 ₹203

-5.61%

Banana (1kg)

$0.63 ₹59.4

$0.69 ₹65.5

-8.70%

Oranges (1kg)

$0.80 ₹75.8

$1.23 ₹116

-34.96%

Tomato (1kg)

$0.38 ₹36.45

$0.46 ₹43.76

-17.39%

Potato (1kg)

$0.28 ₹26.62

$0.36 ₹34.23

-22.22%

Onion (1kg)

$0.29 ₹27.14

$0.39 ₹37.12

-25.64%

Lettuce (1 head)

$0.43 ₹41.27

$0.40 ₹38.05

7.50%

Water (1.5 liter bottle)

$0.33 ₹31.15

$0.31 ₹29.46

6.45%

Cigarettes 20 Pack (Marlboro, Camel)

$3.48 ₹331

$5.10 ₹485

-31.76%

Wine (Bottle)

$12.47 ₹1,184

$8.12 ₹771

53.57%

Local Beer (0.5 liter bottle)

$1.78 ₹169

$1.95 ₹185

-8.72%

Imported Beer (0.33 liter bottle)

$3.10 ₹294

$3.18 ₹302

-2.52%

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

$8.04 ₹763

$6.17 ₹586

30.31%

One-way Ticket (Public Transport)

$0.54 ₹51.3

$0.20 ₹18.99

170.00%

Public Transport Monthly Pass (Regular Price)

$15.43 ₹1,465

$5.39 ₹512

186.27%

Taxi Start (Normal Tariff)

$1.59 ₹151

$0.31 ₹29.39

412.90%

Taxi (Normal Tariff) (1km)

$0.41 ₹38.64

$0.29 ₹28.01

41.38%

Taxi 1hour Waiting (Normal Tariff)

$2.06 ₹196

$1.59 ₹151

29.56%

Gasoline (1 liter)

$1.10 ₹104

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

$16.9K ₹1.6M

$15.9K ₹1.5M

6.31%

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

$22.3K ₹2.1M

$22.7K ₹2.2M

-2.03%

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

$53.1 ₹5,040

$61.6 ₹5,845

-13.78%

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

$3.05 ₹290

$4.25 ₹404

-28.24%

Internet (50+ Mbps, Unlimited Data)

$5.73 ₹544

$9.01 ₹855

-36.40%

Gym Membership (Monthly)

$15.19 ₹1,442

$27.24 ₹2,587

-44.24%

Tennis Court (1 Hour on Weekend)

$4.66 ₹443

$13.31 ₹1,263

-64.99%

Cinema Ticket

$3.69 ₹351

$4.38 ₹415

-15.75%

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

$71.8 ₹6,814

$116 ₹11.0K

-37.92%

International Primary School, 1 Child (Yearly)

$1,428 ₹135.6K

$4,968 ₹471.7K

-71.25%

Jeans (Levis 501 Or Similar)

$21.52 ₹2,044

$37.16 ₹3,529

-42.09%

Summer Dress (H&M, Zara, etc)

$39.84 ₹3,783

$39.88 ₹3,786

-0.10%

Sport Shoes (Adidas, Nike)

$69.1 ₹6,565

$55.9 ₹5,306

23.73%

Men's Leather Business Shoes

$36.19 ₹3,436

$48.19 ₹4,576

-24.90%

1-bedroom Apartment, City Center (Monthly)

$172 ₹16.4K

$611 ₹58.0K

-71.81%

1-bedroom Apartment, Outside City Center (Monthly)

$101 ₹9,602

$354 ₹33.6K

-71.45%

3-bedroom Apartment, City Center (Monthly)

$419 ₹39.8K

$1,829 ₹173.6K

-77.10%

3-bedroom Apartment, Outside City Center (Monthly)

$388 ₹36.8K

$877 ₹83.3K

-55.76%

Buy Apartment in City Center (m2)

$599 ₹56.9K

$5,877 ₹558.0K

-89.80%

Buy Apartment Outside City Center (m2)

$489 ₹46.4K

$2,448 ₹232.4K

-80.03%

Average Monthly Net Salary (After Tax)

$424 ₹40.3K

$758 ₹72.0K

-44.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.17

8.29

10.62%

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

Last update for Ludhiana: October 11, 2026

Last update for Mumbai (Bombay): October 12, 2026

Monthly budget structure

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

Groceries & Markets

Ludhiana

$112 23.7%

Mumbai (Bombay)

$116 14.8% 3.3% $3.7

Accommodation & Living

Ludhiana

$101 21.4%

Mumbai (Bombay)

$354 45.3% 250% $253

Eating Out

Ludhiana

$79 16.8%

Mumbai (Bombay)

$112 14.3% 41% $33

Clothing & Footwear

Ludhiana

$75 15.9%

Mumbai (Bombay)

$82 10.4% 8.7% $6.5

Monthly Utilities & Internet

Ludhiana

$62 13.1%

Mumbai (Bombay)

$75 9.6% 21% $13

Sport & Entertainment

Ludhiana

$23 4.8%

Mumbai (Bombay)

$36 4.6% 59.4% $13

Getting Around

Ludhiana

$21 4.5%

Mumbai (Bombay)

$8 1% 62.4% $13

Cost Breakdown

A central one-bedroom costs $172 in Ludhiana versus $611 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 79% 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 $11.00 in Ludhiana versus $21.00 in Mumbai (Bombay). Monthly groceries follow the same trend: $112 vs $116 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇮🇳 Ludhiana

🇮🇳 Mumbai (Bombay)

🕒 Local time

03:45 3:45 AM

Same time as Ludhiana

🌤 Weather

👥 Population

2,232,000

12,442,373

💱 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

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Ludhiana Mumbai (Bombay) 1,350 km ≈ 2 h 15 min nonstop flight

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

City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

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

Monthly costs with rent: $473 in Ludhiana, $782 in Mumbai (Bombay) – roughly 65% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $710 per month in Ludhiana and $1,173 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 $71.8 per month in Ludhiana and $116 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.

$1,200 covers both cities comfortably – all-in costs are $473 in Ludhiana and $782 in Mumbai (Bombay), leaving budget for savings and extras in both cases.

It depends on your priorities. Mumbai (Bombay) has an edge in some lifestyle areas, with costs from $473 in Ludhiana to $782 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.