Bil anggaran itu berbeza daripada bacaan sebenar.

Bil is a loanword from English bill. In Malay, it usually means a bill, invoice, or statement, especially for things like electricity, water, or phone charges.

In this sentence, it does not mean every possible English sense of bill. It most likely refers to a utility bill.

Anggaran comes from the idea of estimating or an estimate.

In bil anggaran, it describes the type of bill: an estimated bill.
So even though anggaran is basically a noun, Malay often uses noun+noun combinations like this, where the second word narrows or describes the first.

So:

• bil = bill
• bil anggaran = estimated bill

In Malay, demonstratives like ini and itu normally come after the whole noun phrase, not before it.

So:

• rumah itu = that house
• bacaan sebenar itu = that actual reading
• bil anggaran itu = that estimated bill

This is normal Malay word order. English puts that before the noun, but Malay puts itu after it.

Berbeza means to be different or to differ.

When followed by daripada, it gives the pattern:

X berbeza daripada Y = X is different from Y

So in this sentence:

• Bil anggaran itu = the estimated bill
• berbeza daripada = is different from
• bacaan sebenar = the actual reading

Yes. Berbeza dengan is also common and natural.

Both of these can mean different from:

• berbeza daripada
• berbeza dengan

In careful or formal writing, daripada is often a very safe choice.
Using just dari here would sound less standard.

Bacaan comes from baca, which usually means to read. But in technical or practical contexts, bacaan often means a reading, as in a meter reading or instrument reading.

Sebenar means actual, real, or true.

So bacaan sebenar literally means the actual reading.
In a utility context, it often implies the actual meter reading, even if meter is not stated.

Malay often leaves out the verb to be in sentences like this.

So where English says:

• The estimated bill is different from the actual reading

Malay can simply say:

• Bil anggaran itu berbeza daripada bacaan sebenar

This is completely normal. Malay does not always need an explicit word for is.

In Malay, descriptive words usually come after the noun.

So:

• bacaan sebenar = actual reading
• bil anggaran = estimated bill

That is the normal pattern.

Also, do not confuse sebenar with sebenarnya:

• sebenar = actual, real
• sebenarnya = actually

So bacaan sebenarnya would mean something different and would not fit here.

Yes, it is natural, especially in contexts involving utilities, billing, or meter readings.

A speaker or company might use this when explaining that an estimated bill does not match the real measured amount.

If the writer wanted to be more explicit, they might say bacaan meter sebenar, but bacaan sebenar is perfectly understandable if the context is already clear.