I wouldn’t request repair credits in the opening offer. That can look like you are discounting defects before an inspection and planning to negotiate the same items twice. Offer ₹97,836,000 based on present condition, retain inspection rights, then address significant findings with evidence...
What will your monthly essential spending be after completion, and are service charges already included in your estimate? ₹3,173,000 can look comfortable in isolation, but the answer changes greatly if the mortgage consumes most of your monthly income. I’d also ask when the first payment is due...