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

Monthly Cost of Living

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

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

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

Mumbai (Bombay) costs about 51% more than Ludhiana, driven mainly by Eating Out.

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

Meal at Budget Restaurant

$5.32 ₹506

$2.99 ₹285

77.93%

Three-Course Dinner for Two, Mid-Range

$22.40 ₹2,133

$11.70 ₹1,114

91.45%

Fast Food Meal (McDonalds, etc)

$4.63 ₹441

$4.06 ₹386

14.04%

Cappuccino

$2.52 ₹240

$1.93 ₹184

30.57%

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

$0.51 ₹48.25

$0.43 ₹40.97

18.60%

Water (0.33 liter bottle)

$0.15 ₹14.64

$0.24 ₹22.67

-37.50%

Local Beer (0.5 liter draught)

$2.28 ₹217

$1.71 ₹163

33.33%

Imported Beer (0.33 liter bottle)

$3.95 ₹376

$3.40 ₹324

16.18%

Milk (1 liter)

$0.75 ₹71.1

$0.77 ₹73.1

-2.60%

White Bread (500g)

$0.51 ₹48.81

$0.57 ₹54.4

-10.53%

Rice (white) (1kg)

$0.77 ₹73.7

$0.93 ₹89.0

-17.20%

Eggs

$1.08 ₹103

$0.96 ₹91.7

12.50%

Local Cheese (1kg)

$7.14 ₹680

$4.20 ₹400

70.00%

Chicken Fillets (1kg)

$3.88 ₹370

$3.36 ₹320

15.48%

Apples (1kg)

$2.30 ₹219

$2.23 ₹212

3.14%

Banana (1kg)

$0.81 ₹77.3

$0.70 ₹66.7

15.71%

Oranges (1kg)

$1.26 ₹120

$0.92 ₹87.4

36.96%

Tomato (1kg)

$0.64 ₹60.7

$0.42 ₹40.36

52.38%

Potato (1kg)

$0.58 ₹54.8

$0.29 ₹27.27

100.00%

Onion (1kg)

$0.63 ₹60.1

$0.32 ₹30.78

96.88%

Lettuce (1 head)

$0.64 ₹61.0

$0.49 ₹46.41

30.61%

Water (1.5 liter bottle)

$0.33 ₹31.00

$0.35 ₹33.03

-5.71%

Cigarettes 20 Pack (Marlboro, Camel)

$4.20 ₹400

$3.70 ₹352

13.51%

Wine (Bottle)

$8.25 ₹786

$12.53 ₹1,194

-34.16%

Local Beer (0.5 liter bottle)

$2.17 ₹207

$2.04 ₹195

6.37%

Imported Beer (0.33 liter bottle)

$3.40 ₹324

$3.70 ₹352

-8.11%

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

$7.03 ₹670

$6.87 ₹655

2.33%

One-way Ticket (Public Transport)

$0.24 ₹22.97

$0.65 ₹62.3

-63.08%

Public Transport Monthly Pass (Regular Price)

$4.51 ₹430

$17.75 ₹1,690

-74.59%

Taxi Start (Normal Tariff)

$0.37 ₹34.87

$1.70 ₹162

-78.24%

Taxi (Normal Tariff) (1km)

$0.35 ₹33.78

Taxi 1hour Waiting (Normal Tariff)

$1.41 ₹135

$2.34 ₹223

-39.74%

Gasoline (1 liter)

$1.19 ₹113

$1.18 ₹113

0.85%

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

$17.4K ₹1.7M

$16.7K ₹1.6M

4.21%

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

$24.5K ₹2.3M

$21.2K ₹2.0M

15.98%

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

$50.8 ₹4,838

$62.5 ₹5,948

-18.67%

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

$4.81 ₹458

$3.45 ₹328

39.42%

Internet (50+ Mbps, Unlimited Data)

$8.75 ₹834

$6.59 ₹628

32.78%

Gym Membership (Monthly)

$23.11 ₹2,201

$16.83 ₹1,604

37.31%

Tennis Court (1 Hour on Weekend)

$11.99 ₹1,142

$6.58 ₹627

82.22%

Cinema Ticket

$4.71 ₹448

$3.96 ₹377

18.94%

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

$122 ₹11.6K

$78.9 ₹7,511

54.13%

International Primary School, 1 Child (Yearly)

$3,393 ₹323.2K

$1,580 ₹150.5K

114.73%

Jeans (Levis 501 Or Similar)

$29.14 ₹2,776

$24.65 ₹2,348

18.22%

Summer Dress (H&M, Zara, etc)

$30.61 ₹2,916

$36.23 ₹3,452

-15.51%

Sport Shoes (Adidas, Nike)

$55.2 ₹5,253

$64.1 ₹6,101

-13.90%

Men's Leather Business Shoes

$39.74 ₹3,786

$41.08 ₹3,913

-3.26%

1-bedroom Apartment, City Center (Monthly)

$705 ₹67.1K

$199 ₹19.0K

253.92%

1-bedroom Apartment, Outside City Center (Monthly)

$357 ₹34.0K

$119 ₹11.3K

199.66%

3-bedroom Apartment, City Center (Monthly)

$1,792 ₹170.7K

$509 ₹48.5K

252.10%

3-bedroom Apartment, Outside City Center (Monthly)

$825 ₹78.6K

$499 ₹47.6K

65.24%

Buy Apartment in City Center (m2)

$6,436 ₹613.1K

$596 ₹56.8K

979.47%

Buy Apartment Outside City Center (m2)

$2,627 ₹250.2K

$497 ₹47.3K

429.07%

Average Monthly Net Salary (After Tax)

$744 ₹70.9K

$427 ₹40.7K

74.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.22

8.62

6.96%

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

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

Last update for Ludhiana: June 1, 2026

Cost Breakdown

A central one-bedroom costs $705 in Mumbai (Bombay) versus $199 in Ludhiana. 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 $22.00 in Mumbai (Bombay) versus $12.00 in Ludhiana. Monthly groceries follow the same trend: $129 vs $122 – 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

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

Monthly costs with rent: $779 in Mumbai (Bombay), $516 in Ludhiana – roughly 51% apart. Mumbai (Bombay) costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $1,168 per month in Mumbai (Bombay) and $774 in Ludhiana. 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 $122 per month in Mumbai (Bombay) and $78.9 in Ludhiana. 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.