You can issue a legal notice to the builder for deficiency of services and to give you completion certificate at the earliest.if he doesn't give you approach consumer court for the same with damages. Get it checked in the PMC about the delay for getting completion certificate. Check whether it is approved by the same.you can apply to the office if builder doesn't gives you.you can approach by a writ petition to the high court seeking direction to issue completion certificate is the another alternative. rate me talk me in person will tell you in detail