One of my friend has booked 2bhk apartment from Panchsheel in jan 2016. They told us possession will be in Nov 2016. We have booked our flat in subvention plan that means no emi till possession and HDFC bank has approved my loan and We have to pay emi from Dec . Now we have communicated with Panchsheel Buildtech Pvt Ltd and they are just saying they can not give possession before July 2017. And now I have to Pay EMI also. They are making us fool.