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 $516 per month in Ludhiana vs $779 in Mumbai (Bombay), rent included.

A couple spends around $913 per month in Ludhiana vs $1,255 in Mumbai (Bombay), rent included.

A family of three spends $1,311 per month in Ludhiana vs $1,732 in Mumbai (Bombay), rent included.

Ludhiana is about 34% cheaper than Mumbai (Bombay), driven mainly by Eating Out.

Both Ludhiana and Mumbai (Bombay) are more affordable than the global median – Ludhiana 62% lower, Mumbai (Bombay) 42% lower.

Meal at Budget Restaurant

$2.99 ₹285

$5.32 ₹506

-43.80%

Three-Course Dinner for Two, Mid-Range

$11.70 ₹1,114

$22.40 ₹2,133

-47.77%

Fast Food Meal (McDonalds, etc)

$4.06 ₹386

$4.63 ₹441

-12.31%

Cappuccino

$1.93 ₹184

$2.52 ₹240

-23.41%

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

$0.43 ₹40.97

$0.51 ₹48.25

-15.69%

Water (0.33 liter bottle)

$0.24 ₹22.67

$0.15 ₹14.64

60.00%

Local Beer (0.5 liter draught)

$1.71 ₹163

$2.28 ₹217

-25.00%

Imported Beer (0.33 liter bottle)

$3.40 ₹324

$3.95 ₹376

-13.92%

Milk (1 liter)

$0.77 ₹73.1

$0.75 ₹71.1

2.67%

White Bread (500g)

$0.57 ₹54.4

$0.51 ₹48.81

11.76%

Rice (white) (1kg)

$0.93 ₹89.0

$0.77 ₹73.7

20.78%

Eggs

$0.96 ₹91.7

$1.08 ₹103

-11.11%

Local Cheese (1kg)

$4.20 ₹400

$7.14 ₹680

-41.18%

Chicken Fillets (1kg)

$3.36 ₹320

$3.88 ₹370

-13.40%

Apples (1kg)

$2.23 ₹212

$2.30 ₹219

-3.04%

Banana (1kg)

$0.70 ₹66.7

$0.81 ₹77.3

-13.58%

Oranges (1kg)

$0.92 ₹87.4

$1.26 ₹120

-26.98%

Tomato (1kg)

$0.42 ₹40.36

$0.64 ₹60.7

-34.38%

Potato (1kg)

$0.29 ₹27.27

$0.58 ₹54.8

-50.00%

Onion (1kg)

$0.32 ₹30.78

$0.63 ₹60.1

-49.21%

Lettuce (1 head)

$0.49 ₹46.41

$0.64 ₹61.0

-23.44%

Water (1.5 liter bottle)

$0.35 ₹33.03

$0.33 ₹31.00

6.06%

Cigarettes 20 Pack (Marlboro, Camel)

$3.70 ₹352

$4.20 ₹400

-11.90%

Wine (Bottle)

$12.53 ₹1,194

$8.25 ₹786

51.88%

Local Beer (0.5 liter bottle)

$2.04 ₹195

$2.17 ₹207

-5.99%

Imported Beer (0.33 liter bottle)

$3.70 ₹352

$3.40 ₹324

8.82%

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

$6.87 ₹655

$7.03 ₹670

-2.28%

One-way Ticket (Public Transport)

$0.65 ₹62.3

$0.24 ₹22.97

170.83%

Public Transport Monthly Pass (Regular Price)

$17.75 ₹1,690

$4.51 ₹430

293.57%

Taxi Start (Normal Tariff)

$1.70 ₹162

$0.37 ₹34.87

359.46%

Taxi (Normal Tariff) (1km)

$0.35 ₹33.78

Taxi 1hour Waiting (Normal Tariff)

$2.34 ₹223

$1.41 ₹135

65.96%

Gasoline (1 liter)

$1.18 ₹113

$1.19 ₹113

-0.84%

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

$16.7K ₹1.6M

$17.4K ₹1.7M

-4.04%

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

$21.2K ₹2.0M

$24.5K ₹2.3M

-13.78%

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

$62.5 ₹5,948

$50.8 ₹4,838

22.96%

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

$3.45 ₹328

$4.81 ₹458

-28.27%

Internet (50+ Mbps, Unlimited Data)

$6.59 ₹628

$8.75 ₹834

-24.69%

Gym Membership (Monthly)

$16.83 ₹1,604

$23.11 ₹2,201

-27.17%

Tennis Court (1 Hour on Weekend)

$6.58 ₹627

$11.99 ₹1,142

-45.12%

Cinema Ticket

$3.96 ₹377

$4.71 ₹448

-15.92%

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

$78.9 ₹7,511

$122 ₹11.6K

-35.12%

International Primary School, 1 Child (Yearly)

$1,580 ₹150.5K

$3,393 ₹323.2K

-53.43%

Jeans (Levis 501 Or Similar)

$24.65 ₹2,348

$29.14 ₹2,776

-15.41%

Summer Dress (H&M, Zara, etc)

$36.23 ₹3,452

$30.61 ₹2,916

18.36%

Sport Shoes (Adidas, Nike)

$64.1 ₹6,101

$55.2 ₹5,253

16.14%

Men's Leather Business Shoes

$41.08 ₹3,913

$39.74 ₹3,786

3.37%

1-bedroom Apartment, City Center (Monthly)

$199 ₹19.0K

$705 ₹67.1K

-71.74%

1-bedroom Apartment, Outside City Center (Monthly)

$119 ₹11.3K

$357 ₹34.0K

-66.63%

3-bedroom Apartment, City Center (Monthly)

$509 ₹48.5K

$1,792 ₹170.7K

-71.60%

3-bedroom Apartment, Outside City Center (Monthly)

$499 ₹47.6K

$825 ₹78.6K

-39.48%

Buy Apartment in City Center (m2)

$596 ₹56.8K

$6,436 ₹613.1K

-90.74%

Buy Apartment Outside City Center (m2)

$497 ₹47.3K

$2,627 ₹250.2K

-81.10%

Average Monthly Net Salary (After Tax)

$427 ₹40.7K

$744 ₹70.9K

-42.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.62

9.22

-6.51%

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

Last update for Ludhiana: June 1, 2026

Last update for Mumbai (Bombay): May 31, 2026

Cost Breakdown

A central one-bedroom costs $199 in Ludhiana versus $705 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 74% 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 $12.00 in Ludhiana versus $22.00 in Mumbai (Bombay). Monthly groceries follow the same trend: $122 vs $129 – 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: $516 in Ludhiana, $779 in Mumbai (Bombay) – roughly 51% apart. Mumbai (Bombay) costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $774 per month in Ludhiana and $1,168 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 $78.9 per month in Ludhiana and $122 in Mumbai (Bombay). For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 6% 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 $516, than in Mumbai (Bombay) at $779. 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 $516 in Ludhiana to $779 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.