Ground + flying training simulator & aircraft charges: INR 35,00,000 - INR 55,00,000
Medical exams & renewals (DGCA Class 1 medical): INR 50,000 - INR 1,00,000
DGCA theory exams license fees: INR 50,000 - INR 1,00,000
Accommodation food hostel / rent: INR 2,00,000 - INR 5,00,000
Books uniforms headset materials: INR 50,000 - INR 1,00,000
Miscellaneous (insurance travel extra hours visa): INR 1,00,000 - INR 2,00,000
So when you add all that up the average cost to become a pilot (specifically for a commercial pilot certificate) lands in that ballpark.
Different flight schools / academies charge differently
The type & age of aircraft used for training
How many flying hours / simulator hours are mandatory
The location of training (metro vs smaller city)
Instructor experience regulatory fees, and living expenses
Yes. For example:
Type rating for specific aircrafts (can be INR 20-30 lakhs extra)
License conversion if training abroad and converting to DGCA
Renewals, medical retests insurance extra flying hours
Yes through scholarships education loans or airline sponsorship cadet programs many aspirants use these to reduce their financial load.