Occupation Certificate and Maintenance charges

Request your kind attention for property situated at jaipur , VRINDA GARDENS with builder Ashiana Group wherein Phase I of the project is completed and i have made agreement for the same. many families shifted to this place , but builder has shown me denial letter from Jaipur development Authority regarding Partial OC is no more issued and will only be issued once project is fully completed. so he is ready to offer possession subject last installment is paid to him, but he is refusing for OC as new rules set in by JDA. i would like to ask you : 1) how can people to allowed to live without OC document. 2) any other document can we get from JDA as when the project gets approval the norms were different and now the norms are different for OC. 3) my financing authority is keen on getting OC , but builder is unable to provide. 4) i have already paid builder maintenance charges advance earlier , but till date neither a registry is made in my name nor i have taken keys of the flat... can he deduct maintenance charges ??? i am being charged for same since last two months. kindly advise.