Builder is asking for the next instalment, but construction hasn't reached that stage — what should I do?

1. Check what your agreement actually says

Your registered agreement for sale has a payment schedule. On a construction-linked plan each instalment is tied to a stage (plinth, each slab, brickwork and so on). Under the RERA Act you must pay in the manner and within the time your agreement specifies (Section 19(6)) — and the builder can only ask for what the agreement allows.

2. Check whether the stage is really done

• Visit the site or ask for dated photos of the stage being billed.
• Look at the project's MahaRERA page: builders must update the project's status every quarter.
• Ask the builder for the architect's certificate confirming the stage — builders already need architect, engineer and chartered-accountant certificates (Forms 1, 2 and 3) to withdraw buyers' money from the project account in proportion to work done.

3. Reply in writing

If the stage isn't complete, reply to the demand in writing: say which stage was billed, that it isn't complete, and that you'll pay as soon as it is, as your agreement provides. Keep the reply and any photos. If several buyers got the same early demand, replying together carries more weight.

4. If the builder threatens interest or cancellation

If the builder insists, or threatens to cancel your booking, you can file a complaint with MahaRERA under Section 31 with your agreement, the demand letter, your reply and evidence of the site's state.