Hello readers, here I will tell you how much money u have to earn in Indian city to survive? And what is the cost of living?
lets Start with cost of living means the level of prices relating to a range of everyday items
As per report normally around 50,000₹ to 60,000₹ per month of earning is enough to better living in India. But it is also different as per your living style and other factors.
Table of Contents
First of all its all depends upon you how life you live! So, there are major factors are affected in cost of living.
- Where you live in India
- Members of family
here we discus about your living location in india

Where you live in India
This is major affecting factor. As we all know India is now 5th largest economy all over the world. As per new report Indian city are deployed to 4 category as follow
To comprehend and navigate this diverse Urban landscape, the Indian government has classified cities into four distinct tiers: Tier I, II, III, and IV. These classifications serve as valuable indicators, shedding light on factors such as population size, infrastructure development, Economic growth, and quality of life.
now the question is what is Tier cities so let’s understand it.
Tier I cities
As per report of Indian government the city which have following factors consider as Tier I cities in India represent the peak of city growth, offering a Wealth of opportunities and amenities.
Here are some notable Tier I cities in India, including Bengaluru, Delhi, Chennai, Hyderabad, Mumbai, Pune, Kolkata, and Ahmedabad.
Tier II cities
In India are witnessing rapid growth and urbanisation, presenting promising opportunities for development.
Here are some notable Tier II cities in India, including Amritsar, Bhopal, Bhubaneswar, Chandigarh, Faridabad, Ghaziabad, Jamshedpur, Jaipur, Kochi, Lucknow, Nagpur, Patna, Raipur, Surat, Visakhapatnam, Agra, Ajmer, Kanpur, Mysuru, and Srinagar.
Tier III cities
In India are emerging as significant centres of growth and Development.
Here are some notable Tier III cities, including Amritsar, Bhopal, Bhubaneswar, Chandigarh, Faridabad, Ghaziabad, Jamshedpur, Jaipur, Kochi, Lucknow, Nagpur, Patna, Raipur, Visakhapatnam, Agra, Ajmer, Kanpur, Mysuru.
Tier IV cities
In India Include smaller towns centres and towns that are Gradually experiencing growth and development.
Among these Tier IV cities Are Banswara, Bhadreswar, Chilakaluripet, Datia, Gangtok, Kalyani, Kapurthala, Kasganj, Nagda, and Sujangarh.
hope, you get why cites divided into this tiers and its important.
Let’s understand 2nd affecting factor is numbers of family members.
Members of family
Numbers of family members are most important in your family budget. It’s directly impacts on your cost of living
If you are bachelor without any responsibility then you only want 20,000 is good enough to live in India.
If you have family without any child that means newly married couples, then your cost of living is around 30,000 to 40,000 per month as per your city
If you have 2 children that means family of four then it’s getting more 30,000 to 45,000 around. Now a days child education is more expensive then before. For normal school it’s cost per child 70,000 to 80,000 per year or more. If it is international school it’s get more expensive as per school and education. So it’s all upon you.
If you have 2 children and 2 depended parents means family of 6 person,then it’s get more cost to live around 50,000 to 80,000 or more per month. Because you have to pay parents medical insurance, if you have or your medical bills which you will have to pay.
So find your place and members of family you will get your cost of living. As simple as that.
Example of cost of living is
I live in Surat wich is tier II city and I have family with 4 members. so, my expenses are as below
Area of Expense | Price Range |
Accommodation | ₹7,000 – ₹15,000 |
Groceries | ₹3,000 – ₹10,000 |
Transportation | ₹1,500 – ₹5000 |
Utilities | ₹1,200 – ₹3,500 |
Entertainment & Shopping | ₹2,000 – ₹5,000 |
Education & Daycare | ₹6,000 – ₹15,000 |
Housemaid | Starts from ₹1,000 |
WiFi | Starts from ₹1,000 |
Miscellaneous | ₹2,000 – ₹5,000 |
If I set all max amount to calculate then total is 60,000/- but its not All there as per my personal experience its all under 50,000/- with full facilities and happiness.
Your cost of living major affecting as your life style.
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Nice, information. And V. Good calculation