What's the real total cost for a flat in Rajkot?

Since January I've been checking out 2BHKs around Kalawad Road. My budget is around 65L for a 2BHK in places like Krishna Kunj. Builders like Ansal API quote one price, but then there's stamp duty, registration, parking, PLC... honestly, it feels like a whole other amount adds up. My parents keep saying to factor in 15-20% extra, but is that accurate for Rajkot? What's the realistic all-in cost percentage? Am I missing anything else huge that pops up at possession?