Rent / Housing Loan EMI: About Rs. 20,000/- PM for a 3 Bed room apartment. Rent for an identical apartment in my building is about 16,000/-

Electricity: Typically 1000 - 1200/- per month, no air conditioning

Food: About 6000/- for a family of 5

Transport: 6000/- per month, no public transport used

Misc: About 1000/- for housemaid, car cleaning

maintenance: 2000/- per month, takes care of water, building maintenance, security, common utilities in the apartment complex

Eating Out: Ranges from 200 to 2000/- depending on where you eat.