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: $763 in Mumbai (Bombay) versus $391 in Kalyani.

Estimated couple costs with rent: $1,259 in Mumbai (Bombay) versus $616 in Kalyani.

Monthly costs for a family of three with rent: $1,754 in Mumbai (Bombay) versus $841 in Kalyani.

Living in Mumbai (Bombay) is roughly 95% more expensive than in Kalyani, driven mainly by Eating Out.

Both cities sit below the global median: Mumbai (Bombay) 43% lower, Kalyani 71% lower.

Meal at Budget Restaurant

$5.17 ₹498

$3.16 ₹304

63.61%

Three-Course Dinner for Two, Mid-Range

$22.50 ₹2,166

$11.58 ₹1,114

94.30%

Fast Food Meal (McDonalds, etc)

$4.70 ₹452

$4.90 ₹472

-4.08%

Cappuccino

$2.60 ₹251

$1.87 ₹180

39.04%

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

$0.50 ₹48.58

$0.22 ₹21.14

127.27%

Water (0.33 liter bottle)

$0.19 ₹18.22

$0.14 ₹13.06

35.71%

Local Beer (0.5 liter draught)

$2.33 ₹224

$1.72 ₹165

35.47%

Imported Beer (0.33 liter bottle)

$4.18 ₹403

$2.84 ₹273

47.18%

Milk (1 liter)

$0.73 ₹70.1

$0.68 ₹65.6

7.35%

White Bread (500g)

$0.48 ₹46.49

$0.43 ₹41.03

11.63%

Rice (white) (1kg)

$0.82 ₹79.3

$0.68 ₹65.8

20.59%

Eggs

$1.05 ₹101

$0.87 ₹84.2

20.69%

Local Cheese (1kg)

$6.87 ₹661

$5.49 ₹528

25.14%

Chicken Fillets (1kg)

$3.89 ₹374

$2.81 ₹271

38.43%

Apples (1kg)

$2.29 ₹220

$2.45 ₹236

-6.53%

Banana (1kg)

$0.83 ₹79.7

$0.61 ₹58.4

36.07%

Oranges (1kg)

$1.30 ₹125

$0.68 ₹65.7

91.18%

Tomato (1kg)

$0.65 ₹63.0

$0.61 ₹58.5

6.56%

Potato (1kg)

$0.57 ₹54.8

$0.38 ₹36.84

50.00%

Onion (1kg)

$0.58 ₹56.3

$0.51 ₹49.49

13.73%

Lettuce (1 head)

$0.64 ₹61.9

$0.42 ₹39.99

52.38%

Water (1.5 liter bottle)

$0.35 ₹33.81

$0.30 ₹29.30

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$4.22 ₹406

$3.17 ₹305

33.12%

Wine (Bottle)

$8.18 ₹787

$7.86 ₹756

4.07%

Local Beer (0.5 liter bottle)

$2.08 ₹200

$1.42 ₹136

46.48%

Imported Beer (0.33 liter bottle)

$3.27 ₹315

$2.52 ₹243

29.76%

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

$6.98 ₹672

$7.65 ₹737

-8.76%

One-way Ticket (Public Transport)

$0.22 ₹21.17

$0.28 ₹26.57

-21.43%

Public Transport Monthly Pass (Regular Price)

$4.69 ₹451

$8.51 ₹819

-44.89%

Taxi Start (Normal Tariff)

$0.37 ₹35.23

$0.57 ₹54.7

-35.09%

Taxi (Normal Tariff) (1km)

$0.12 ₹11.30

Taxi 1hour Waiting (Normal Tariff)

$1.37 ₹132

$2.02 ₹194

-32.18%

Gasoline (1 liter)

$1.18 ₹114

$1.23 ₹119

-4.07%

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

$17.3K ₹1.7M

$15.6K ₹1.5M

10.57%

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

$24.8K ₹2.4M

$23.1K ₹2.2M

7.52%

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

$50.2 ₹4,833

$42.08 ₹4,051

19.30%

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

$5.08 ₹489

$3.43 ₹330

48.10%

Internet (50+ Mbps, Unlimited Data)

$8.62 ₹830

$4.98 ₹479

73.09%

Gym Membership (Monthly)

$23.20 ₹2,234

$9.75 ₹938

137.95%

Tennis Court (1 Hour on Weekend)

$11.85 ₹1,141

$6.86 ₹660

72.74%

Cinema Ticket

$4.70 ₹452

$2.65 ₹255

77.36%

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

$118 ₹11.4K

$21.66 ₹2,085

446.35%

International Primary School, 1 Child (Yearly)

$3,379 ₹325.3K

$880 ₹84.8K

283.77%

Jeans (Levis 501 Or Similar)

$29.21 ₹2,812

$16.62 ₹1,600

75.75%

Summer Dress (H&M, Zara, etc)

$31.19 ₹3,003

$29.96 ₹2,884

4.11%

Sport Shoes (Adidas, Nike)

$56.6 ₹5,444

$38.74 ₹3,730

45.97%

Men's Leather Business Shoes

$40.55 ₹3,904

$31.74 ₹3,055

27.76%

1-bedroom Apartment, City Center (Monthly)

$697 ₹67.1K

$125 ₹12.0K

457.85%

1-bedroom Apartment, Outside City Center (Monthly)

$357 ₹34.4K

$75.9 ₹7,309

370.60%

3-bedroom Apartment, City Center (Monthly)

$1,783 ₹171.7K

$276 ₹26.5K

546.96%

3-bedroom Apartment, Outside City Center (Monthly)

$844 ₹81.3K

$182 ₹17.5K

364.45%

Buy Apartment in City Center (m2)

$6,047 ₹582.1K

Buy Apartment Outside City Center (m2)

$2,517 ₹242.4K

Average Monthly Net Salary (After Tax)

$787 ₹75.8K

$305 ₹29.4K

158.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.22

7.5

22.93%

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

Last update for Mumbai (Bombay): July 13, 2026

Last update for Kalyani: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $697 in Mumbai (Bombay) and $125 in Kalyani. Housing cost is often the main lever when comparing two cities.

Mumbai (Bombay) pays 158% 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: $23.00 in Mumbai (Bombay) vs $12.00 in Kalyani for a mid-range dinner for two. Groceries echo the gap at $127 vs $105 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 95% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 158% 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: $697 in Mumbai (Bombay) versus $125 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 $12.00 versus $23.00 in Mumbai (Bombay). If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $763 per month in Mumbai (Bombay) versus $391 in Kalyani – a 95% gap that adds up to real savings over time for anyone picking the cheaper option.

At $391 in Kalyani versus $763 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 95% less than in Mumbai (Bombay). Beyond cost, consider language, visa policies, and how big the international community is in each city.