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 $763 per month in Mumbai (Bombay) vs $521 in Ludhiana, rent included.

A couple spends around $1,259 per month in Mumbai (Bombay) vs $909 in Ludhiana, rent included.

A family of three spends $1,754 per month in Mumbai (Bombay) vs $1,296 in Ludhiana, rent included.

Mumbai (Bombay) costs about 46% more than Ludhiana, driven mainly by Eating Out.

Both Mumbai (Bombay) and Ludhiana are more affordable than the global median – Mumbai (Bombay) 43% lower, Ludhiana 61% lower.

Meal at Budget Restaurant

$5.17 ₹498

$2.94 ₹283

75.85%

Three-Course Dinner for Two, Mid-Range

$22.50 ₹2,167

$11.80 ₹1,136

90.68%

Fast Food Meal (McDonalds, etc)

$4.70 ₹452

$4.19 ₹403

12.17%

Cappuccino

$2.60 ₹251

$1.97 ₹190

31.98%

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

$0.50 ₹48.58

$0.40 ₹38.28

25.00%

Water (0.33 liter bottle)

$0.19 ₹18.22

$0.26 ₹25.14

-26.92%

Local Beer (0.5 liter draught)

$2.33 ₹224

$1.72 ₹166

35.47%

Imported Beer (0.33 liter bottle)

$4.18 ₹403

$3.45 ₹332

21.16%

Milk (1 liter)

$0.73 ₹70.1

$0.75 ₹72.5

-2.67%

White Bread (500g)

$0.48 ₹46.49

$0.57 ₹54.9

-15.79%

Rice (white) (1kg)

$0.82 ₹79.3

$0.91 ₹87.2

-9.89%

Eggs

$1.05 ₹101

$0.96 ₹92.6

9.38%

Local Cheese (1kg)

$6.87 ₹661

$4.42 ₹426

55.43%

Chicken Fillets (1kg)

$3.89 ₹374

$3.48 ₹335

11.78%

Apples (1kg)

$2.29 ₹220

$2.32 ₹224

-1.29%

Banana (1kg)

$0.83 ₹79.8

$0.65 ₹63.0

27.69%

Oranges (1kg)

$1.30 ₹125

$0.95 ₹91.0

36.84%

Tomato (1kg)

$0.65 ₹63.0

$0.39 ₹37.56

66.67%

Potato (1kg)

$0.57 ₹54.8

$0.29 ₹27.47

96.55%

Onion (1kg)

$0.58 ₹56.3

$0.35 ₹34.15

65.71%

Lettuce (1 head)

$0.64 ₹61.9

$0.45 ₹43.24

42.22%

Water (1.5 liter bottle)

$0.35 ₹33.81

$0.37 ₹35.96

-5.41%

Cigarettes 20 Pack (Marlboro, Camel)

$4.22 ₹406

$3.62 ₹349

16.57%

Wine (Bottle)

$8.18 ₹787

$12.66 ₹1,219

-35.39%

Local Beer (0.5 liter bottle)

$2.08 ₹200

$1.98 ₹190

5.05%

Imported Beer (0.33 liter bottle)

$3.27 ₹315

$3.68 ₹354

-11.14%

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

$6.98 ₹672

$7.23 ₹696

-3.46%

One-way Ticket (Public Transport)

$0.22 ₹21.17

$0.65 ₹62.9

-66.15%

Public Transport Monthly Pass (Regular Price)

$4.69 ₹451

$17.72 ₹1,706

-73.53%

Taxi Start (Normal Tariff)

$0.37 ₹35.23

$1.75 ₹169

-78.86%

Taxi (Normal Tariff) (1km)

$0.36 ₹34.21

Taxi 1hour Waiting (Normal Tariff)

$1.37 ₹132

$2.31 ₹222

-40.69%

Gasoline (1 liter)

$1.18 ₹114

$1.22 ₹118

-3.28%

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

$17.3K ₹1.7M

$16.9K ₹1.6M

2.21%

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

$24.8K ₹2.4M

$21.5K ₹2.1M

15.59%

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

$50.2 ₹4,834

$64.1 ₹6,173

-21.71%

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

$5.08 ₹489

$3.46 ₹333

46.82%

Internet (50+ Mbps, Unlimited Data)

$8.62 ₹830

$6.55 ₹631

31.60%

Gym Membership (Monthly)

$23.20 ₹2,234

$16.79 ₹1,617

38.18%

Tennis Court (1 Hour on Weekend)

$11.85 ₹1,141

$6.23 ₹600

90.21%

Cinema Ticket

$4.70 ₹452

$4.02 ₹387

16.92%

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

$118 ₹11.4K

$79.1 ₹7,617

49.59%

International Primary School, 1 Child (Yearly)

$3,379 ₹325.3K

$1,604 ₹154.4K

110.66%

Jeans (Levis 501 Or Similar)

$29.21 ₹2,812

$24.35 ₹2,344

19.96%

Summer Dress (H&M, Zara, etc)

$31.19 ₹3,003

$35.78 ₹3,445

-12.83%

Sport Shoes (Adidas, Nike)

$56.6 ₹5,445

$63.4 ₹6,107

-10.85%

Men's Leather Business Shoes

$40.55 ₹3,904

$40.36 ₹3,886

0.47%

1-bedroom Apartment, City Center (Monthly)

$697 ₹67.1K

$206 ₹19.8K

238.70%

1-bedroom Apartment, Outside City Center (Monthly)

$357 ₹34.4K

$123 ₹11.9K

190.12%

3-bedroom Apartment, City Center (Monthly)

$1,783 ₹171.7K

$508 ₹48.9K

250.91%

3-bedroom Apartment, Outside City Center (Monthly)

$844 ₹81.3K

$487 ₹46.8K

73.56%

Buy Apartment in City Center (m2)

$6,047 ₹582.2K

$593 ₹57.1K

919.63%

Buy Apartment Outside City Center (m2)

$2,517 ₹242.4K

$486 ₹46.8K

417.87%

Average Monthly Net Salary (After Tax)

$787 ₹75.8K

$421 ₹40.5K

87.05%

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): July 13, 2026

Last update for Ludhiana: July 12, 2026

Cost Breakdown

A central one-bedroom costs $697 in Mumbai (Bombay) versus $206 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 87% 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 $23.00 in Mumbai (Bombay) versus $12.00 in Ludhiana. Monthly groceries follow the same trend: $127 vs $123 – 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: $763 in Mumbai (Bombay), $521 in Ludhiana – roughly 46% apart. Mumbai (Bombay) costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $1,145 per month in Mumbai (Bombay) and $782 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 $118 per month in Mumbai (Bombay) and $79.1 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 4% 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 $521, than in Mumbai (Bombay) at $763. 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 $521 in Ludhiana to $763 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.