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I’m less comfortable with this than the earlier replies. ₹1,169,000 is not much flexibility relative to a ₹114,400,000 purchase if the inspection still contains unpriced work. Delaying furniture helps, but it cannot fix a purchase that leaves too little emergency capacity. “Slightly below...

Confirm the first mortgage debit date and amount directly with the lender. The timing can matter almost as much as the amount when moving and repair invoices are landing together. Keep that payment in cash rather than assuming the next salary cycle will cover it.

I’d be cautious about leaning too heavily on the 111 days. It may indicate an ambitious price, but it could also reflect a seller who is in no hurry. Ask the agent what matters besides price and whether earlier offers failed over financing, timing or condition. Also, a 5% reduction followed by...