I agree with
@iPwnz. This is a huge amount & if I were spending this much money.., I would choose components that I want.
If you remove the GPU from this build, It shouldn't cost you more than 1.35 lacs. Rest is going for the GPU only which obviously is very overpriced. If you were to go with your components, you can build a significantly better gaming system by going with a 5600x, b550 board, more nvme storage etc.. & it will still be less than the 1.35 lac figure. That said, getting a GPU for this build on your own would be another challenge that you should plan ahead of time.