The most horrible bank ever dealt with, the staff does not respond and bank is least bothered about the customers.Bank always ready to collect pre-EMI but takes more than minimum 3 months to release the funds.Even banks like HDFC , ICICI and AXIS are very good atleast they release funds in time.One should think thousand times before going for IDBI .
Unfortunately if you have no other option , Please keep 80% of the amount ready before starting to build a house else wait till you have accumulated.
No respect for their customers time, they feel as if they are doing a favor to give my own money.