A missing quarterly update is a reason to demand current project information, but it does not automatically cancel your instalment or home-loan obligations. Section 11(1) requires the promoter's RERA webpage to carry specified quarterly updates. Obtain the missing records and compare them with the construction-linked demand before deciding how to respond.
What should the promoter update?
The statutory list includes apartments or plots booked, garages booked, approvals obtained and pending after commencement, and project status. It also covers other information and documents specified by the Authority's regulations.
Save the official project page with the date and identify the exact missing quarter or field. A screenshot showing a blank page is more useful when accompanied by the project registration number and the date it was accessed. Check whether the information is available in another official tab before alleging total non-disclosure.
Can I ask for the sanctioned plans and work schedule?
Section 11(3) requires the promoter at booking and allotment to make available sanctioned plans and specifications and the stage-wise time schedule of completion, including the stated civic infrastructure. Section 19 also gives allottees information rights within its terms.
Request the documents relevant to the current payment milestone. If the demand is linked to completion of a slab or another stage, ask what record establishes that stage. A generic assurance that work is progressing does not answer a specific discrepancy between the demand and the available project information.
Does a missing update prove construction has stopped?
No. It proves an information gap if the required update is absent, not necessarily the physical state of the site. Distinguish the disclosure breach from the construction allegation. Collect current, lawfully obtained site information and the promoter's written explanation.
Avoid circulating an old photograph as proof of today's progress. Record when and where photographs were taken and which part of the project they show. A tower-specific demand should not be evaluated using an unrelated block's progress picture.
Should I tell the bank not to disburse?
Notify the lender accurately about the identified discrepancy and ask it to apply its own disbursement conditions and verification process. Take the loan agreement, builder demand and project records for advice before instructing a stop that could have contractual consequences.
Do not assume RERA's website-update duty automatically suspends EMIs or authorises unilateral non-payment. Your loan and sale agreement may impose separate obligations. The adviser should assess the appropriate written response and any protective relief needed if the demand appears unsupported.
What can a complaint ask for?
A section 31 complaint can identify the alleged disclosure contravention and request appropriate directions within the Authority's powers. State the missing information, earlier requests and why it matters to the payment demand. If an inquiry or document production is needed, explain that specifically.
Do not inflate the complaint into a claim that every missing quarter entitles you to immediate refund. The remedy must follow the actual breach and legal basis. If delay or another substantive default also exists, set it out with separate evidence.
What should I send today?
Send a short request identifying the project, quarter, missing fields and disputed milestone. Attach the demand and ask for the current approvals, stage schedule and evidence supporting the demand. Keep proof of delivery and any reply.
Prepare a payment-decision file with the agreement's milestone clause, the lender's conditions and the current project records. That allows the adviser to distinguish a late website update from an unsupported payment demand and choose a response that protects your position without creating an unnecessary default.
This article is for general informational purposes only and does not constitute legal advice. Consult a qualified advocate for advice on your specific situation.