1) you can move consumer forum against the builder for deficiency in service and seek orders to direct him to obtain Occupation certificate
2)anyone who unlawfully constructs or reconstructs any building or part of a building will be liable to pay a fine every year as a penalty, twice the amount of property tax leviable on such a building". The fine will be charged without prejudice to any proceeding initiated against such unlawful construction.
3) The levy of the penalty shall not be construed as regularization of the illegal construction or reconstruction but will continue to be collected till the process of regularization is on or till such time that it is demolished,
4) flat-buyers and owners will have to bear the brunt of a builder's illegal construction as it is the flat owner who pays the property tax. most builders, before giving physical possession of the flats, normally insert a clause in the sale agreement that the purchaser shall be liable for payment of municipal taxes from the date of the possession