There’s something about Indian winters that makes a good thermal feel like a tiny luxury — the kind that you don’t see, but definitely feel. Whether it’s those foggy Delhi mornings, a surprise cold wave in Bangalore, or the late-night hostel study sessions that never seem to end, a cosy thermal can quietly save your day. But here’s the problem: most budget thermals either feel scratchy, trap sweat, or lose shape in two washes.
So we went hunting.
Over the past few weeks, we tried multiple affordable thermals across fabrics, fits and brands — pulling them on under sweaters, pairing them with office shirts, running errands in them, even testing how they behave during long commutes. And what we found was pleasantly surprising: you don’t need expensive merino to stay warm. Several budget-friendly thermals ticked all the boxes — soft, warm, breathable and invisible under clothing.
These curated list is for the woman who wants warmth that works. Whether you’re a student, a commuter, a traveller, or simply someone who hates bulky winter layers, these budget thermals are honestly all you need to stay comfortable and stylish.
List of Best Budget Thermals for Women in India
Each of these budget thermals was chosen for its softness, fit, durability and ability to layer seamlessly under sweaters, shirts or jackets. The reviews below will help your audience understand which one suits their climate, routine and body shape best.
1. Lux Cottswool Women’s Full Sleeves Upper & Lower Thermal
Editor’s verdict: A cosy, no-fuss thermal that feels soft next-to-skin and layers invisibly under knits. Perfect for everyday commuters who want warmth without bulk.
Why we’d recommend it: The “Cottswool” blend promises the breathability of cotton with a wool-like brushed interior for warmth—so it avoids the scratchy feel of pure wool while keeping you warm on foggy mornings. The full-sleeve cut sits neatly under sweaters and jackets, and the neckline is unobtrusive under shirts.
Who it’s for: Daily commuters, office-goers and casual travellers who want a soft, practical base layer.
Fit note: Runs true to size for most builds; choose your regular top size for a snug second-skin fit.
Pros
- Soft, comfortable next-to-skin feel
- Lightweight warmth that layers well
- Clean neckline for shirt/sweater combos
Cons
- May not be as insulating as premium merino for very cold hill stations
- Limited colour options on some listings
2. Van Heusen Relaxed Fit High-Rise Leggings (thermal-style)
Editor’s verdict: A reliable thermal-leggins option from a trusted brand—comfortable, stretchy and easy to wear under trousers or long tops. Great for everyday use.
Why we’d recommend it: Van Heusen’s relaxed-fit thermals lean into comfort: stretch fabric that moves with you, a flattering mid-rise and a finish that won’t show through most outer trousers. These work well for long commutes and for layering under skirts or dresses on cooler days.
Who it’s for: Women who want a fuss-free base-layer bottom that’s soft, flexible and suitable for daily wear.
Fit note: Relaxed fit—if you prefer a more compressive thermal layer, size down; otherwise take your usual size for comfort.
Pros
- Trusted brand reliability and finish
- Comfortable stretch, good for active days
- Easy to pair under trousers or skirts
Cons
- Relaxed fit may be less heat-trapping than snug thermals
- Not a substitute for heavyweight fleece-lined thermals in very cold weather
3. Van Heusen Athleisure Women’s Thermal Top – Antibacterial (Charcoal)
Editor’s Verdict:
A surprisingly sleek thermal that feels more like luxe activewear than a budget winter layer. Soft, stretchy and designed to sit smoothly under everything from office shirts to sweatshirts, this one keeps you warm without the bulky thermal look.
Why We Liked It:
The antibacterial finish is a subtle but meaningful touch — especially for long commutes or days when you’re wearing layers for hours. The fabric breathes well, the charcoal shade is flattering, and it holds shape after washes.
Who It’s Best For:
Women who want a polished, everyday thermal that looks and feels premium without spending premium.
Fit Notes:
True to size with a gentle, comfortable stretch. Choose your regular top size for a snug, second-skin fit.
Pros
– Smooth, soft, athletic feel
– Breathable with antibacterial tech
– Great under shirts and blazers
Cons
– Not ideal for extremely cold hill stations
– Limited colour options
4. Bodycare Women’s Sleeveless Thermal Vest – Charcoal Melange
Editor’s Verdict:
A lightweight, easygoing base layer for days when you don’t want full sleeves. This sleeveless thermal sits beautifully under kurtis, sweaters, shirts — basically anything — and gives just enough warmth for mild to moderate Indian winters.
Why We Liked It:
The charcoal melange colour is discreet, the fabric is soft against the skin, and it doesn’t bunch under fitted tops. A great “daily essential” thermal for women who prefer minimal layering.
Who It’s Best For:
Women in cities like Bangalore, Pune, Hyderabad — or anyone who wants a breathable thermal for indoors and office environments.
Fit Notes:
Comfortably snug; pick your usual size. Works well under both Western and Indian wear.
Pros
– Breathable and feather-light
– Perfect under kurtis and form-fitting tops
– Great value for money
Cons
– Sleeveless design not ideal for very cold days
– Less insulation than fleece-backed options
5. Dixcy Slimz Women’s Skinny Thermal Top – Full Sleeves
Editor’s Verdict:
A slim, fitted thermal that hugs the body just right — smooth enough to disappear under sweaters and structured tops. It’s a no-frills, dependable winter essential for women who want warmth without compromising silhouette.
Why We Liked It:
The “skinny” fit keeps everything streamlined, making your winter layers look cleaner and more flattering. It’s warm enough for Delhi morning routines but still breathable for indoor wear.
Who It’s Best For:
Women who love clean, fitted winter looks and want a basic thermal that layers perfectly under knits.
Fit Notes:
Runs a touch snug — size up if you want a relaxed fit, otherwise take your usual size for a sleek silhouette.
Pros
– Smooth, body-skimming fit
– Ideal for layering under sweaters
– Good warmth-to-weight balance
Cons
– Snug fit may feel tight for some
– Not meant for extreme cold
6. Van Heusen Athleisure Women’s Thermal Top – Antibacterial (Ivory)
Editor’s Verdict:
A beautifully soft, premium-looking thermal that blends comfort with a polished finish. The ivory colour feels chic under winter layers, and the antibacterial tech makes it especially useful for women who stay in thermals all day.
Why We Liked It:
Smooth on the skin, lightweight warmth, and a refined look that pairs effortlessly with shirts, sweaters and blazers.
Who It’s Best For:
Office-goers and women who prefer stylish, neutral-toned winter basics.
Fit Notes:
True to size; offers a clean, flattering silhouette.
Pros:
– Elegant ivory shade
– Breathable, soft fabric
– Antibacterial finish
Cons:
– Light colours may show under thin tops
– Not ideal for heavy winters
7. Jockey Women’s Microfiber Stretch Thermal Top – Black
Editor’s Verdict:
This sleek microfiber thermal feels almost like activewear — smooth, stretchy, and genuinely comfortable for long hours. Black adds versatility, making it disappear under both casual and dressy winter layers.
Why We Liked It:
The stretch technology offers great freedom of movement, and the finish stays crisp even after multiple washes.
Who It’s Best For:
Women who want a no-nonsense, everyday base layer that moves with their routine.
Fit Notes:
Slim-fit silhouette; size up only if you prefer roomier layers.
Pros:
– Smooth, flexible fabric
– Versatile black shade
– Excellent durability
Cons:
– Slim fit may feel snug for some
– Not as warm as fleece-backed thermals
8. Jockey Women’s Thermal Top – Charcoal Melange (StayWarm Technology)
Editor’s Verdict:
A classic Jockey thermal with a cosy brushed interior that instantly feels warm without bulk. It’s the kind you reach for during chilly mornings because it’s reliable, comfortable, and made for everyday use.
Why We Liked It:
The StayWarm technology gives noticeable insulation, and the charcoal melange colour hides layering lines beautifully.
Who It’s Best For:
Women who want a dependable winter staple that works with Indian winter temperatures.
Fit Notes:
Comfort-fit; pick your usual size for best results.
Pros:
– Warm brushed interior
– Everyday comfort
– Great longevity
Cons:
– Slightly thicker than microfiber options
– Fewer colour choices
9. Jockey Women’s Microfiber StayWarm Thermal Top – Skin Colour (Full Sleeves)
Editor’s Verdict:
A lightweight, second-skin thermal that keeps you warm without being visible under clothes. The skin shade blends effortlessly under shirts, kurtis and light-coloured sweaters — a huge win for winter layering.
Why We Liked It:
Microfiber keeps things breathable, while StayWarm technology adds just the right level of insulation.
Who It’s Best For:
Women who want invisible layering under fitted or light-coloured outfits.
Fit Notes:
Body-skimming fit; choose your usual size for a sleek look.
Pros:
– Invisible under most outfits
– Breathable microfiber
– Great for Indian winters
Cons:
– Not suitable for extreme cold
– Light shade needs careful washing
10. Jockey Women’s Microfiber Thermal Leggings – Skin Colour
Editor’s Verdict:
Soft, stretchy and incredibly easy to wear, these microfiber thermal leggings are a perfect bottom layer for winter. They feel light yet warming, making them ideal under trousers, dresses or long sweaters.
Why We Liked It:
The skin tone blends under clothing, and the microfiber finish makes them comfortable enough for full-day wear.
Who It’s Best For:
Women who prefer thermal leggings instead of thick woollen bottoms.
Fit Notes:
True to size; stretchy enough for mobility.
Pros:
– Smooth, flexible feel
– Great for layering under outfits
– Neutral skin shade
Cons:
– Not as insulating as fleece-lined leggings
– May be thin for extreme cold
Conclusion — Our Budget Thermal Takeaway
Good thermals don’t scream for attention — they simply make every winter outfit look and feel better. When a thermal hugs the body softly, layers smoothly under knits and jackets, and keeps you warm without weighing you down, you stop noticing the cold altogether. You just move comfortably through your day.
That’s exactly what the thermals on this list aim to do — quietly upgrade your winter wardrobe without stretching your budget.
Once you paste your product links, I’ll complete each review with a polished Femina-style editorial description your readers will trust and love.
FAQ
Are budget thermals worth buying?
Yes — if you choose modal blends or fleece-backed cotton, budget thermals provide reliable warmth and layer well without costing much.
How should I wash thermals?
Machine wash cold on gentle, turn inside out, avoid tumble dry; air-dry flat to retain shape.
How do I choose the correct size?
Thermals should be snug but not tight—choose your usual top size for a second-skin fit; size up if you want room for extra layers.
Can thermals be worn under sarees or kurtis?
Absolutely — choose sleeker, seamless thermals or camisoles for a smooth look under Indian wear.
How many thermals should I own?
2–3 good thermals (neutral, light, and a fleeced option) cover most Indian winter needs.
Related Reading
Disclaimer:
This article contains affiliate links. We may earn a small commission when you purchase through them, at no extra cost to you. Product details are based on publicly available information and our editorial assessment.
About the Author:
Madhu Roy is the founder of DealNXT.in, where she researches and shares honest product insights, deals, and practical buying guides. She focuses on researching online deals, comparing budget-friendly products, and creating practical buying guides for everyday shoppers, and her love for travel and everyday lifestyle shopping helps her understand what readers truly need. Her goal is to help people save time, avoid poor purchases, and shop smarter online with confidence.
