Last update: Oct 2026

Cost of Living Comparison Between Mumbai (Bombay) and Ludhiana

For one person, living is cheaper in Ludhiana: $488 a month against $813 in Mumbai (Bombay), rent and utilities included – about $3,900 less a year. Rent and utilities account for most of the difference.

39

Cost of Living Index in Mumbai (Bombay)
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Mumbai (Bombay) Living Index
24

Cost of Living Index in Ludhiana
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Ludhiana Living Index

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Mumbai (Bombay)

🇮🇳 India

$813

/mo nomad

Ludhiana

🇮🇳 India

$488

/mo nomad

Monthly Cost of Living

How much you'll spend in Mumbai (Bombay) and in Ludhiana

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Mumbai (Bombay) and in Ludhiana actually costs, broken down by who's living it.

A single person spends $813 per month in Mumbai (Bombay) vs $488 in Ludhiana, rent included.

Mumbai (Bombay) $813
Ludhiana $488

A couple spends around $1,352 per month in Mumbai (Bombay) vs $784 in Ludhiana, rent included.

Mumbai (Bombay) $1,352
Ludhiana $784

A family of three spends $1,891 per month in Mumbai (Bombay) vs $1,080 in Ludhiana, rent included.

Mumbai (Bombay) $1,891
Ludhiana $1,080

Mumbai (Bombay) costs about 67% more than Ludhiana, and outside of rent the biggest gap is in eating out.

Both Mumbai (Bombay) and Ludhiana are more affordable than the global median – Mumbai (Bombay) 40% lower, Ludhiana 64% lower.

Meal at Budget Restaurant

$5.35 ₹509

$3.48 ₹332

53.74%

Three-Course Dinner for Two, Mid-Range

$20.87 ₹1,987

$10.67 ₹1,016

95.60%

Fast Food Meal (McDonalds, etc)

$4.08 ₹388

$3.58 ₹341

13.97%

Cappuccino

$2.78 ₹264

$1.93 ₹184

44.04%

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

$0.40 ₹38.34

Water (0.33 liter bottle)

$0.15 ₹14.46

$0.25 ₹23.90

-40.00%

Local Beer (0.5 liter draught)

$2.64 ₹252

$1.70 ₹162

55.29%

Imported Beer (0.33 liter bottle)

$4.25 ₹405

$3.52 ₹335

20.74%

Milk (1 liter)

$0.74 ₹70.7

White Bread (500g)

$0.54 ₹51.5

$0.51 ₹48.13

5.88%

Rice (white) (1kg)

$0.78 ₹74.3

$0.78 ₹73.9

Eggs

$1.00 ₹95.3

$0.86 ₹81.9

16.28%

Local Cheese (1kg)

$5.61 ₹534

$3.99 ₹379

40.60%

Chicken Fillets (1kg)

$3.58 ₹341

$3.09 ₹294

15.86%

Apples (1kg)

$2.17 ₹206

$2.10 ₹200

3.33%

Banana (1kg)

$0.69 ₹66.0

$0.58 ₹55.3

18.97%

Oranges (1kg)

$1.21 ₹115

$0.82 ₹77.6

47.56%

Tomato (1kg)

$0.49 ₹46.46

$0.38 ₹36.53

28.95%

Potato (1kg)

$0.33 ₹31.79

$0.26 ₹24.69

26.92%

Onion (1kg)

$0.37 ₹35.63

$0.32 ₹30.69

15.62%

Lettuce (1 head)

$0.44 ₹41.90

$0.43 ₹41.24

2.33%

Water (1.5 liter bottle)

$0.31 ₹29.72

$0.32 ₹30.92

-3.13%

Cigarettes 20 Pack (Marlboro, Camel)

$5.00 ₹476

$3.48 ₹331

43.68%

Wine (Bottle)

$8.34 ₹794

$12.37 ₹1,178

-32.58%

Local Beer (0.5 liter bottle)

$1.99 ₹190

$1.83 ₹174

8.74%

Imported Beer (0.33 liter bottle)

$3.12 ₹297

$3.05 ₹291

2.30%

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

$6.01 ₹572

$8.39 ₹798

-28.37%

One-way Ticket (Public Transport)

$0.20 ₹19.00

$0.55 ₹52.0

-63.64%

Public Transport Monthly Pass (Regular Price)

$6.90 ₹657

$15.78 ₹1,502

-56.27%

Taxi Start (Normal Tariff)

$0.31 ₹29.92

$1.55 ₹147

-80.00%

Taxi (Normal Tariff) (1km)

$0.31 ₹29.49

$0.44 ₹41.72

-29.55%

Taxi 1hour Waiting (Normal Tariff)

$1.61 ₹154

$2.15 ₹204

-25.12%

Gasoline (1 liter)

$1.10 ₹105

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

$15.6K ₹1.5M

$13.4K ₹1.3M

16.67%

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

$22.4K ₹2.1M

$22.0K ₹2.1M

1.66%

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

$61.9 ₹5,889

$52.5 ₹4,995

17.88%

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

$4.52 ₹430

$3.10 ₹295

45.81%

Internet (50+ Mbps, Unlimited Data)

$8.97 ₹854

$5.81 ₹554

54.39%

Gym Membership (Monthly)

$37.11 ₹3,534

$15.33 ₹1,460

142.07%

Tennis Court (1 Hour on Weekend)

$14.11 ₹1,344

$4.48 ₹427

214.96%

Cinema Ticket

$5.01 ₹477

$3.61 ₹344

38.78%

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

$119 ₹11.3K

$72.3 ₹6,882

64.65%

International Primary School, 1 Child (Yearly)

$4,948 ₹471.1K

$1,443 ₹137.4K

242.93%

Jeans (Levis 501 Or Similar)

$36.37 ₹3,463

$21.69 ₹2,065

67.68%

Summer Dress (H&M, Zara, etc)

$38.71 ₹3,685

$40.15 ₹3,823

-3.59%

Sport Shoes (Adidas, Nike)

$54.7 ₹5,211

$70.1 ₹6,671

-21.89%

Men's Leather Business Shoes

$48.03 ₹4,573

$36.40 ₹3,465

31.95%

1-bedroom Apartment, City Center (Monthly)

$640 ₹60.9K

$171 ₹16.3K

274.07%

1-bedroom Apartment, Outside City Center (Monthly)

$372 ₹35.4K

$114 ₹10.8K

226.46%

3-bedroom Apartment, City Center (Monthly)

$2,093 ₹199.2K

$433 ₹41.2K

383.26%

3-bedroom Apartment, Outside City Center (Monthly)

$925 ₹88.0K

$307 ₹29.2K

201.22%

Buy Apartment in City Center (m2)

$5,706 ₹543.2K

$880 ₹83.8K

548.52%

Buy Apartment Outside City Center (m2)

$2,560 ₹243.7K

$679 ₹64.6K

277.01%

Average Monthly Net Salary (After Tax)

$757 ₹72.1K

$423 ₹40.3K

78.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.29

9.17

-9.60%

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

Last update for Mumbai (Bombay): October 26, 2026

Last update for Ludhiana: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Mumbai (Bombay)

$372 45.7%

Ludhiana

$114 23.3% 69.4% $258

Groceries & Markets

Mumbai (Bombay)

$117 14.4%

Ludhiana

$113 23.1% 3.8% $4.5

Eating Out

Mumbai (Bombay)

$112 13.8%

Ludhiana

$80 16.4% 28.8% $32

Clothing & Footwear

Mumbai (Bombay)

$80 9.8%

Ludhiana

$76 15.5% 5.4% $4.3

Monthly Utilities & Internet

Mumbai (Bombay)

$75 9.3%

Ludhiana

$61 12.6% 18.5% $14

Sport & Entertainment

Mumbai (Bombay)

$47 5.8%

Ludhiana

$23 4.6% 52.1% $25

Getting Around

Mumbai (Bombay)

$9.6 1.2%

Ludhiana

$22 4.5% 127% $12

Cost Breakdown

A central one-bedroom costs $640 in Mumbai (Bombay) versus $171 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 79% higher in Mumbai (Bombay). Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $21 in Mumbai (Bombay) versus $11 in Ludhiana. Monthly groceries follow the same trend: $117 vs $113 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇮🇳 Mumbai (Bombay)

🇮🇳 Ludhiana

🕒 Local time

08:21 8:21 AM

Same time as Mumbai (Bombay)

🌤 Weather

👥 Population

12,442,373

2,232,000

💱 Currency

Indian Rupee INR ₹

📈 Exchange rate

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

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Mumbai (Bombay) Ludhiana 1,350 km ≈ 2 h 15 min nonstop flight

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Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

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

Monthly costs with rent: $813 in Mumbai (Bombay), $488 in Ludhiana – Ludhiana comes out roughly 40% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,220 per month in Mumbai (Bombay) and $732 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: a one-bedroom in the center costs $171 there versus $640 in Mumbai (Bombay).

Kindergarten costs $119 per month in Mumbai (Bombay) and $72 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 the gap depends on what you buy.

$1,200 covers both cities comfortably – all-in costs are $813 in Mumbai (Bombay) and $488 in Ludhiana, leaving budget for savings and extras in both cases.

Families tend to lean toward Ludhiana – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Ludhiana. If higher salaries or specific career opportunities are the priority, Mumbai (Bombay) makes more sense. Both are solid long-term options with distinct trade-offs.