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Mumbai, India: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Mumbai | Digital Nomad Exchange
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Mumbai, India

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By Betsy Burlingame

Last updated on Jun 07, 2024

Summary: Mumbai, India is often described as a vibrant, bustling city with a unique mix of old and new. Expats love the city's diverse culture, its vibrant nightlife, and its delicious street food. The weather in Mumbai is hot and humid, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit. The average cost of living for an expat is around $1,000 USD per month. The cost of a one bedroom apartment is around $500 USD per month, while a two bedroom apartment can cost up to $1,000 USD per month. Mumbai is the most populous city in India, with an estimated population of over 20 million people.

What do I need to know about living in Mumbai?

When we asked people what advice they would give someone preparing to move to Mumbai, they said:

"Mumbai is a vibrant and bustling city, and it can be an exciting place to retire. Before retiring in Mumbai, expats should research the cost of living and the availability of healthcare and other services. It is also important to familiarize oneself with the local culture and customs, as well as the language. Additionally, expats should consider the climate and the air quality, as Mumbai can be quite hot and humid, and air pollution can be a problem. Finally, expats should look into the visa requirements and the process for obtaining a residence permit," remarked one expat who made the move to Mumbai.

What do I need to know before moving to Mumbai?

When we asked people what advice they would give someone preparing to move to Mumbai, they said:

"The best advice was to bring a great mattress; Indian mattress are not like ones at home. Bring your vacuum cleaner; I have a Kirby so it really hurts that I left it behind. Choose a very good moving company; I thought mine did ok until I heard war stories from other expats (I did send an apology). Get your PAN card ASAP; you can't sign a lease agreement without one. Be very clear to what you want and make sure the settling in people stick to your guidelines as they will waste your time showing things that don't fit; I knew what was on the boat and needed 4 bedrooms and they kept showing us 3 bedroom flats. I knew that I wanted to be close to Indian culture without sacrificing access to expat shopping. I did not want my husband and children to spend more than one hour on commuting. Ask Indians for advice; so many freely helped us navigate the waters. They were our saving grace," said one expat in Mumbai.

"Mumbai is a bustling city with a vibrant culture and a unique atmosphere. Expats should be prepared for the hustle and bustle of the city and the heat and humidity of the climate. It is important to research the local laws and regulations before moving to Mumbai, as well as the cost of living and the availability of housing. Expats should also be aware of the language barrier, as English is not widely spoken in Mumbai. Additionally, it is important to be aware of the cultural differences between India and the expat's home country, and to be respectful of local customs and traditions. Finally, expats should make sure to have all the necessary documents and paperwork in order before moving to Mumbai," said one expat who made the move to Mumbai.

How do I find a place to live in Mumbai?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"We live in Powai; I chose the area by finding the middle spot on the map between my husband's office commute and my kids' school bus ride," remarked one expat who made the move to Mumbai.

"One of the best ways to find a place to live in Mumbai is to use online resources such as rental websites, classifieds, and real estate agents. You can also search for local newspapers and magazines that list available properties. Additionally, you can ask friends and family who live in the area for recommendations. Once you have narrowed down your search, it is important to visit the property in person to ensure it meets your needs," explained one expat living in Mumbai, India.

What is a typical expat home or apartment like in Mumbai?

"Expat homes and apartments in Mumbai are typically modern and luxurious, with amenities such as air conditioning, high-speed internet, and 24-hour security. Many expat homes and apartments are located in upscale neighborhoods, such as Bandra, Juhu, and Malabar Hill, and offer stunning views of the city skyline. Expat homes and apartments often come with a variety of amenities, such as swimming pools, gyms, and private gardens. Expats can also find a variety of housing options, from high-rise apartments to villas and bungalows," explained one expat living in Mumbai, India.

"We live in 2000 sq ft, flat; 4 bedroom that 3 bedrooms have 2 floor to ceiling wall closets; 5 bathrooms as the smallest is for the maid; 3 patios with 2 small patios attached to 2 bedrooms. The kitchen is small with one sink and a built in stove and a patio for the washing machine. I had to buy the refrigerator. I have a storage room with shelves. I have wall sliding glass doors in 2 bedrooms and the living room, and large window in the dining area, giving the place lots of light, and unfortunately, heat. We have an AC unit in each bedroom and living room. It is smaller than most expats' homes. They tend to live in much larger flats," said one expat in Mumbai.

What is the average cost of housing in Mumbai?

If you are thinking about moving to Mumbai, cost of living in probably a key consideration. Expats commented about the cost of housing:

"Lower than home. My area is around 1 lac; we pay less than most expats in Powai, and much more than most Indians. Our electrical bill is much lower than expats, but have my Indian friends falling over in shock," wrote one member in Mumbai.

"The cost of housing in Mumbai can vary greatly depending on the area and type of property. Generally, housing in Mumbai is quite expensive, with prices ranging from mid-range to luxury. Renting a one-bedroom apartment in a good area can cost anywhere from $500 to $2,000 per month, while buying a property can cost anywhere from $50,000 to millions of dollars," remarked one expat who made the move to Mumbai.

How do I meet people in Mumbai?

When we asked people living in Mumbai about club and activities where newcomers can meet others, they responded:

"Expats in Mumbai often join clubs and activities such as sports teams, book clubs, and language classes. These activities provide a great way to meet people and make friends. Expats can also meet people by attending events such as art exhibitions, music concerts, and film screenings. Additionally, many expats join online forums and social media groups to connect with other expats living in Mumbai. Finally, expats can also meet people by attending networking events, such as business conferences and seminars," remarked one expat who made the move to Mumbai.

What should I bring when moving to Mumbai?

People living in Mumbai were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"I wish I brought my vacuum cleaner as Mumbai is terribly dusty. Otherwise, I've been able to buy anything else I need. I wish I left all my oven cookware behind as ovens don't come with flats. It is an appliance I'm not willing to buy," wrote a member in Mumbai.

"When moving to Mumbai, it is important to pack items that will help you adjust to the climate and culture. Pack lightweight, breathable clothing that is appropriate for the hot and humid climate. Bring a few items of clothing that can be layered for cooler evenings. Pack comfortable shoes that are suitable for walking on uneven surfaces. Bring a few items of clothing that are appropriate for religious sites and other places of worship. Include a few items of clothing that are suitable for formal occasions. Pack a few items of clothing that are suitable for the beach. Bring a few items of sunscreen, insect repellent, and other items to protect yourself from the sun and insects. Pack a few items of toiletries, including soap, shampoo, and toothpaste. Bring a few items of basic medical supplies, such as bandages, antiseptic cream, and painkillers. Include a few items of entertainment, such as books, music, and movies. Pack a few items of basic kitchen supplies, such as pots, pans, and utensils. Finally, bring a few items of currency, such as rupees, to help you get around," commented one expat who made the move to Mumbai.

Where should I setup a bank account in Mumbai?

We asked expats in Mumbai what banks they use and there advice about banking. They advised:

"Mumbai is a vibrant and bustling city, and it can be an exciting place to retire. Before retiring in Mumbai, expats should research the cost of living and the availability of healthcare and other services. It is also important to familiarize oneself with the local culture and customs, as well as the language. Additionally, expats should consider the climate and the air quality, as Mumbai can be quite hot and humid, and air pollution can be a problem. Finally, expats should look into the visa requirements and the process for obtaining a residence permit," wrote one member in Mumbai.

Will I be able to find a job in Mumbai?

When we asked people about industries and career opportunities in Mumbai, they reponded:

"Foreigners often find employment in Mumbai in a variety of industries, including hospitality, IT, finance, and engineering. Many foreigners also work as English teachers, providing language instruction to students of all ages. Additionally, there are many opportunities for foreigners to work in the film and television industry, as well as in the fashion and design industries. Other popular job opportunities for foreigners in Mumbai include working as a tour guide, a consultant, or a business analyst," said one expat in Mumbai.

What is life like in Mumbai?

When we asked people living in Mumbai what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Mumbai can be both exciting and challenging. The city is a vibrant and bustling metropolis, offering a wide range of cultural experiences, from traditional Indian cuisine to modern shopping malls. Expats and digital nomads can find plenty of opportunities to network and collaborate with other professionals in the city. The cost of living in Mumbai is relatively low compared to other major cities, making it an attractive destination for those looking to live and work abroad. However, the city can be overwhelming for newcomers, with its chaotic traffic and crowded streets. Expats and digital nomads should be prepared to adjust to the local culture and customs, as well as the language barrier. With the right attitude and preparation, however, life in Mumbai can be an incredibly rewarding experience," remarked one expat who made the move to Mumbai.

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What do expats in Mumbai appreciate most about the local culture?

"Expats in Mumbai appreciate the city's vibrant culture, which is a mix of traditional Indian values and modern influences. They also enjoy the city's diverse cuisine, which offers a variety of flavors and dishes from all over India. Additionally, expats appreciate the city's friendly and welcoming people, who are always willing to help out newcomers. Finally, expats enjoy the city's vibrant nightlife, which offers a variety of bars, clubs, and restaurants to explore," wrote a member in Mumbai.

"The food. The food. The food. The amazing things you can get in the markets/shops from scarves to carvings to jewelry. People are very friendly if you smile when asking for help. My friends who helped us adjust that became the closest we've ever had. Oh, and Bollywood. Its absurdity/dancing is just a lot of fun and I bought a few movies and will keep up with the celebrities," commented one expat who made the move to Mumbai.

What do expats find most challenging?

"I work from home and this helps. I do miss being part of a small community and family," commented one expat who made the move to Mumbai.

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Is there a lot of crime in Mumbai?

We asked people if there is a lot of crime. They answered:

"Mumbai is known for its high crime rate. Violent crimes such as robberies, assaults, and rapes are common in the city. Petty crimes such as pickpocketing and purse snatching are also prevalent. In addition, organized crime is a major problem in Mumbai, with gangs involved in activities such as extortion, drug trafficking, and human trafficking. The city also has a high rate of cybercrime, with hackers targeting businesses and individuals," wrote a member in Mumbai.

Is there a lot of diversity? Are people in Mumbai accepting of differences?

"Mumbai is a highly diverse city, with people from all over India and the world living and working there. The city is known for its acceptance of different cultures, religions, and lifestyles, and is home to a wide variety of people from different backgrounds. People in Mumbai are generally accepting of differences, and the city is known for its vibrant and tolerant atmosphere," wrote a member in Mumbai.

What are the schools in Mumbai like?

"The American School of Bombay (ASB) is one of the best international schools in Mumbai. It is a private, co-educational day school that offers an American-style curriculum for students from pre-kindergarten through grade 12. ASB is accredited by the Western Association of Schools and Colleges and the Council of International Schools. The school has a strong focus on academic excellence, with a wide range of extracurricular activities and a commitment to developing global citizens. The Ecole Mondiale World School is another excellent international school in Mumbai. It is a private, co-educational day school that offers an international curriculum for students from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools and the International Baccalaureate Organization. Ecole Mondiale World School has a strong focus on academic excellence, with a wide range of extracurricular activities and a commitment to developing global citizens. The Oberoi International School is a bilingual school in Mumbai, India. It is a private, co-educational day school that offers an international curriculum for students from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools and the International Baccalaureate Organization. Oberoi International School has a strong focus on academic excellence, with a wide range of extracurricular activities and a commitment to developing global citizens," said one parent with children at in Mumbai.

What are the pros and cons of living in Mumbai?

Expats, digital nomads and retirees living in Mumbai responded:

"Expats and digital nomads living in Mumbai often appreciate the city's vibrant culture, diverse cuisine, and bustling nightlife. They also enjoy the city's convenient transportation system, which makes it easy to get around. On the other hand, expats and digital nomads may find the city's high cost of living and traffic congestion to be challenging. Additionally, the city's hot and humid climate can be difficult to adjust to," said an expat in Mumbai.

What type of social life can someone expect in Mumbai?

When we asked expats and global nomads about their social experiences in Mumbai, they replied:

"Expats, retirees and digital nomads living in Mumbai typically have an active social life. They often join local clubs and organizations, attend cultural events, and explore the city's vibrant nightlife. They also have the opportunity to meet other expats, retirees and digital nomads from around the world, as well as locals, and form lasting friendships. Additionally, many expats, retirees and digital nomads take advantage of the city's excellent transportation system to explore the rest of India and its many attractions," remarked one expat living in Mumbai.

"Mumbai is a vibrant city with a lively social scene. There are plenty of places to go out and socialize, from rooftop bars and clubs to beachside cafes and restaurants. The city is also home to a variety of cultural events, such as music festivals, art exhibitions, and film screenings. Mumbai is also known for its street food, which is a great way to meet locals and experience the city's culture. Additionally, there are plenty of parks and open spaces where people can gather and socialize," remarked one expat in Mumbai.

What advice to expats in Mumbai have about housing?

"When looking for housing in Mumbai, it is important to research the area thoroughly and be aware of the local customs and laws. It is also important to be aware of the cost of living in the area and to budget accordingly. It is also advisable to use a reputable real estate agent to help you find the right property. Additionally, it is important to be aware of the security situation in the area and to take necessary precautions. Finally, it is important to be aware of the local infrastructure and amenities available in the area," commented one expat living in Mumbai, India.

What are medical services in Mumbai like?

When we asked expats and global nomads about the quality of medical care in Mumbai, they replied:

"Mumbai is home to a wide range of medical services, ranging from traditional Ayurvedic treatments to modern, western-style medical care. The city is home to a number of hospitals, clinics, and medical centers that offer a variety of services, including general medical care, specialized treatments, and emergency services. Many of these facilities are equipped with the latest medical technology and staffed by experienced and qualified medical professionals. Additionally, Mumbai is home to a number of medical research centers and universities, which provide access to cutting-edge medical treatments and research," commented one expat living in Mumbai, India.

Are healthcare and health insurance expensive in Mumbai?

"Healthcare and health insurance in Mumbai can be expensive. The cost of medical care in Mumbai is higher than in many other parts of India, due to the city's high cost of living. Health insurance premiums can also be costly, depending on the type of coverage and the provider. Additionally, many people in Mumbai are unable to afford health insurance, leaving them vulnerable to high medical costs," wrote one expat living in Mumbai.

Is the cost of living in Mumbai high?

We asked people about the cost of living in Mumbai, they wrote:

"The cost of living in Mumbai is generally considered to be high. The rental price for a nice 1 bedroom apartment in Mumbai, India is typically around $1,000 USD per month, while a nice 2 bedroom apartment can cost around $1,500 USD per month. Eating dinner at a moderately priced restaurant in Mumbai, India can cost around $10 USD per person," remarked one expat in Mumbai.

What are the visa & residency requirements in Mumbai?

"In order to visit Mumbai, travelers must obtain a visa prior to their arrival. The process of applying for a visa involves submitting an application form, providing a valid passport, and paying the applicable visa fee. Depending on the type of visa, additional documents may be required. In order to obtain residency in Mumbai, India, applicants must submit an application form, provide a valid passport, and pay the applicable fee. Depending on the type of residency, additional documents may be required. Additionally, applicants may need to provide proof of employment, proof of financial stability, and proof of accommodation," commented one expat who moved to Mumbai.

Why do people move to Mumbai?

When we asked people why foreigners move to Mumbai, they responded:

"Mumbai is a vibrant and bustling city that offers a unique blend of culture, history, and modernity. It is home to some of India's most iconic landmarks, such as the Gateway of India and the Chhatrapati Shivaji Terminus. The city also offers a wide range of job opportunities, with many multinational companies having offices in the city. Additionally, Mumbai is known for its diverse and vibrant nightlife, with a variety of bars, clubs, and restaurants to explore. The city also boasts a wide range of cultural activities, from art galleries and museums to music and theatre performances. Finally, Mumbai is a great place to live for expats, with a low cost of living and a wide range of international schools and universities," mentioned an expat living in Mumbai.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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