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The answer is how much money do you need. I used to go rock bottom (hope the BBC dead filters don't tag that). Thirty seven Rupes for a shared bed. But, I pig out on books. Now I am compelled by social pressure to live better. Its hard to judge unless we know more about you. How much grit and grunge can you stand? You can get someone's budget. But, it always reflects them. As a general rule I always felt better with a bit of surplus. One thing you can count on in India is inflation so past experiences don't predict future prices. As to mix of monies you'll find that a perpetual topic as its a matter of opinion. I always take a mix because I don't trust the reliability of any one means. Others swear by cards or work in a cash enterprise, etc..