My builder has delayed the handover of my flat despite my payments being made on time. They’re now charging me a 24% penalty for one late payment, even though the agreement only mentions a Rs 5 per square foot delay penalty upon delivery. Can I get a full refund of my payments, including the penalty, and how long will this legal process take?

The builder’s actions appear to be unreasonable and may be legally challenged. You can seek a refund, including the penalty, by filing a legal suit. The time for the legal process varies based on the complexity of the case and the court’s workload, but it can take several months to a few years. It’s advisable to consult a lawyer to assess your specific situation and explore legal options.