Latest Answer: Here my questions are -1.Why they do not want to involve banks for this transaction initially. 2.Without processing SA, why should I give 25 % of amount? 3.Suppose if I am not getting proper document while paying 25 % amount and my bank is ready with my sanctioned loan so in case of cancellation why am I liable for cancellation charges as Bhartiya is not able to provide me the necessary documents. 4.If they are getting their money then why are they bothered who is paying what amount, if bank is ready to provide help with some amount. Bhartiya is getting their money so what is the problem? The message which we are getting is, they do not want to be transparent with government regarding this transaction otherwise they would have accepted this deal if they get their money irrespective of thinking whether bank is involved or not. 5. They are not ready for Post dated cheque also for some portion of 25 % amount if bank is helping with my pre approved loan amount.