Is it legal for private lenders in India to charge 12% interest for 15 days or 20% for 30 days? Also, are threats against borrowers for late payments allowed?

In this case, the builder’s argument that you are not a ‘consumer’ due to four separate agreements may not succeed. The discount for the entire vertical unit, single loan payment, and unified purpose of acquiring the units indicate a singular transaction, making you a consumer under Indian law.