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

Monthly Cost of Living

Monthly costs for one person with rent: $783 in Mumbai (Bombay) versus $306 in Kalyani.

Estimated couple costs with rent: $1,280 in Mumbai (Bombay) versus $482 in Kalyani.

Monthly costs for a family of three with rent: $1,776 in Mumbai (Bombay) versus $657 in Kalyani.

Living in Mumbai (Bombay) is roughly 156% more expensive than in Kalyani, driven mainly by Eating Out.

Both cities sit below the global median: Mumbai (Bombay) 43% lower, Kalyani 78% lower.

Meal at Budget Restaurant

$5.10 ₹487

$2.10 ₹201

142.86%

Three-Course Dinner for Two, Mid-Range

$20.90 ₹1,997

$15.40 ₹1,472

35.71%

Fast Food Meal (McDonalds, etc)

$4.18 ₹399

$4.19 ₹400

-0.24%

Cappuccino

$2.61 ₹250

$1.58 ₹151

65.19%

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

$0.38 ₹35.85

$0.47 ₹44.89

-19.15%

Water (0.33 liter bottle)

$0.14 ₹13.06

$0.13 ₹12.40

7.69%

Local Beer (0.5 liter draught)

$2.57 ₹246

$1.83 ₹174

40.44%

Imported Beer (0.33 liter bottle)

$4.27 ₹408

$3.19 ₹305

33.86%

Milk (1 liter)

$0.70 ₹66.9

$0.70 ₹67.2

White Bread (500g)

$0.52 ₹50.0

$0.42 ₹39.98

23.81%

Rice (white) (1kg)

$0.78 ₹74.2

$0.58 ₹55.1

34.48%

Eggs

$0.96 ₹91.3

$0.90 ₹86.3

6.67%

Local Cheese (1kg)

$5.52 ₹527

$5.28 ₹504

4.55%

Chicken Fillets (1kg)

$3.57 ₹341

$2.45 ₹234

45.71%

Apples (1kg)

$2.28 ₹218

$2.47 ₹236

-7.69%

Banana (1kg)

$0.74 ₹70.7

$0.51 ₹48.40

45.10%

Oranges (1kg)

$1.22 ₹117

$0.61 ₹58.5

100.00%

Tomato (1kg)

$0.47 ₹44.99

$0.56 ₹53.2

-16.07%

Potato (1kg)

$0.33 ₹31.84

$0.29 ₹27.87

13.79%

Onion (1kg)

$0.37 ₹35.17

$0.42 ₹40.10

-11.90%

Lettuce (1 head)

$0.43 ₹40.86

$0.30 ₹28.58

43.33%

Water (1.5 liter bottle)

$0.31 ₹29.78

$0.27 ₹25.87

14.81%

Cigarettes 20 Pack (Marlboro, Camel)

$5.03 ₹481

$3.69 ₹353

36.31%

Wine (Bottle)

$8.27 ₹790

$7.71 ₹737

7.26%

Local Beer (0.5 liter bottle)

$2.03 ₹194

$1.47 ₹141

38.10%

Imported Beer (0.33 liter bottle)

$3.09 ₹295

$2.81 ₹269

9.96%

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

$5.81 ₹555

$6.77 ₹647

-14.18%

One-way Ticket (Public Transport)

$0.20 ₹19.08

$0.18 ₹16.90

11.11%

Public Transport Monthly Pass (Regular Price)

$5.57 ₹532

$2.66 ₹254

109.40%

Taxi Start (Normal Tariff)

$0.32 ₹30.74

$0.60 ₹57.7

-46.67%

Taxi (Normal Tariff) (1km)

$0.33 ₹31.08

$0.10 ₹9.34

230.00%

Taxi 1hour Waiting (Normal Tariff)

$1.59 ₹152

$1.60 ₹153

-0.63%

Gasoline (1 liter)

$1.13 ₹108

$1.12 ₹107

0.89%

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

$15.9K ₹1.5M

$14.3K ₹1.4M

11.22%

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

$22.2K ₹2.1M

$21.2K ₹2.0M

4.45%

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

$60.9 ₹5,815

$56.0 ₹5,346

8.78%

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

$4.28 ₹409

$3.12 ₹298

37.18%

Internet (50+ Mbps, Unlimited Data)

$9.27 ₹886

$4.31 ₹412

115.08%

Gym Membership (Monthly)

$26.11 ₹2,494

$8.77 ₹838

197.72%

Tennis Court (1 Hour on Weekend)

$12.92 ₹1,234

Cinema Ticket

$4.81 ₹460

$2.30 ₹220

109.13%

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

$118 ₹11.3K

$19.34 ₹1,848

512.51%

International Primary School, 1 Child (Yearly)

$4,909 ₹469.0K

$789 ₹75.4K

521.89%

Jeans (Levis 501 Or Similar)

$35.15 ₹3,359

$14.96 ₹1,429

134.96%

Summer Dress (H&M, Zara, etc)

$39.23 ₹3,748

$21.92 ₹2,095

78.97%

Sport Shoes (Adidas, Nike)

$57.7 ₹5,517

$32.77 ₹3,131

76.20%

Men's Leather Business Shoes

$48.14 ₹4,599

$26.54 ₹2,536

81.39%

1-bedroom Apartment, City Center (Monthly)

$635 ₹60.7K

$50.3 ₹4,801

1163.54%

1-bedroom Apartment, Outside City Center (Monthly)

$355 ₹33.9K

$20.59 ₹1,967

1623.85%

3-bedroom Apartment, City Center (Monthly)

$1,933 ₹184.7K

$146 ₹14.0K

1223.24%

3-bedroom Apartment, Outside City Center (Monthly)

$835 ₹79.8K

$47.82 ₹4,569

1645.65%

Buy Apartment in City Center (m2)

$6,093 ₹582.1K

Buy Apartment Outside City Center (m2)

$2,473 ₹236.2K

Average Monthly Net Salary (After Tax)

$754 ₹72.0K

$300 ₹28.7K

150.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.33

7.5

11.07%

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

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

Last update for Kalyani: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $635 in Mumbai (Bombay) and $50.3 in Kalyani. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 151% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $21.00 in Mumbai (Bombay) vs $15.00 in Kalyani for a mid-range dinner for two. Groceries echo the gap at $117 vs $100 per month, with Kalyani cheaper across the board.

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

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

Kalyani is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 156% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 151% higher in Mumbai (Bombay), which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $635 in Mumbai (Bombay) versus $50.3 in Kalyani. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Kalyani – a meal for two runs $15.00 versus $21.00 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $783 per month in Mumbai (Bombay) versus $306 in Kalyani – a 156% gap that adds up to real savings over time for anyone picking the cheaper option.

At $306 in Kalyani versus $783 in Mumbai (Bombay), a $1,500 budget is realistic in Kalyani but tight or insufficient in Mumbai (Bombay). The gap between the two cities makes Kalyani the clear choice for anyone on this budget.

For families, Kalyani is more practical. Housing and childcare are both notably cheaper than in Mumbai (Bombay), and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Mumbai (Bombay) and Kalyani are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Kalyani gentler on the wallet – expenses run 156% less than in Mumbai (Bombay). Beyond cost, consider language, visa policies, and how big the international community is in each city.