First property in Electronic City: Hidden costs pe help chahiye

Budget finalised, loan pre-approved — now stuck on which sector. Looking at a 2BHK in Electronic City Phase II, maybe from Keya Homes. Property price ₹85 lakhs dikha rahe hain. But yaar, I'm really worried about hidden charges. Log bolte hain maintenance, society formation, utility connection charges, ye sab possession ke time pe aate hain. Plus, stamp duty, registration, PLC, parking, interiors ka bhi alag se budget rakhna padega. Kitna extra expect karu total cost pe? Is it usually 15-20% more? Koi apna experience share kar sakta hai? What was your actual all-in cost?