Manish 27 January 2018
R.Ramachandran (Advocate) 28 January 2018
HAve you got any written agreement with the builder?
What does the agreement state? When you are supposed to make him the payment? What is the basis on which you first made 85% payment, especially when the builder has not completed more than 40% of work.
Without knowing the terms and conditions in the contract/agreement, it is not possible to give any useful answer to your query.
Better consult a lawyer in your area.