The allottee or flat buyer can complain for cancellation of allotment and refund of his money with interest only when the builder commits default of the obligations contained in the agreement or the provisions of the real estate act and of its rules, u/s 18 of Rera
A builder can cancel the allotment only u/s 11(5) of rera act provided the cancellation is in accordance with the terms agreed on cancellation as contained in the agreement
There is no express provision in Rera or Mofa for the case when buyer wishes to cancel the allotment and agreement due to financial constraints
So since you wish to cancel the agreement for no fault of builder, you need to check the agreement terms applicable on cancellation
Generally the builder forfeits certain amount towards penalty for premature cancellation and refunds the balance after deducting such penalty. Also the refund is not given immediately
Also he will not refund the taxes paid on execution of agreement as they are already deposited with the government by builder
So i suggest you find a buyer who can buy your flat. The only expense in that case would be to pay transfer fees to the builder for giving his noc for transferring the flat to the name of your buyer
You cannot do anything legally against the builder as in your case he is not in default