Sale agreement(flat-under construction) of Rs.55 Lk made on 30/05/2017. LICHFL sanctioned Loan of Rs.42.38 Lk. on 15/06/2017, Rs. 10 Lk paid through bank. Registration formalities done by paying through cash to developer. Sale deed executed on 24/06/2017 of Rs.20.64 Lk. On 27/06/2017,LICHFL paid Rs. 36.02 Lk to developer. All these documented in local language (telugu)- so not under stood, not cross checked & also trusted on developer. Now, there is 2 yrs of delay in possession & not get OC till today. After converting Telugu sale Deed to english medium, I came to know that sale deed value is only Rs.20.64 Lk. I want to know -
1. Can I file recovery case/civil/criminals case against developer for collecting excess amount of Rs. 25,38,300 (Sale Deed of Rs.20,64,000 - Bank payment of Rs. 46,02,300) with interest?
2. Can I ask to LICHFL, based on sale deed value of Rs.20,64,000, why the loan of Rs. 42.38 Lakh granted.
3. Can I inform to LICHFL for not to do any more payment to developer because developer received more than the sale deed value.
4. Can I approach to rera/consumer court against delay possession with all the benefits?