@godismyprovider Thanks, till mid 2020, I stayed with my friends on sharing basis (bachelor home). Overall expenses on rent and all utilites were low due to it between 4k to 8k based on number of persons sharing. For next two years, I was in hometown due to covid. After post covid, I stayed in 1 BHK house for 8k rent. (rent was less due to post covid). Electricity bill were less as in my place, first 100 units had no fee. My personal electricity bill were around 100 for 2 months.
Recently, I moved to a bigger home (rent 19k). Electricity bill was still around 100 for 2 months. I have to see how it goes during summer months.
Electricity bill at my native is around 1000 rs for 2 months.
I started an insurance for 36k premium per year at 2016 based on mother's advice. At 2019, I surrendered this and started the term insurance. I am paying 2 insurances my family started for them long back. (10k premium pa). Health insurance I have only the office provided one for now. I have to look into it.