Karrm Infrastructure Refund pending

I have purchased one ROOM KITCHEN FLAT IN Shahpur at 9/8/2015 . Flat price 630000. I have paid direct to Karrm Infrastucture Pvt Ltd builder account 7840. I have 31 emi paid but not given possession so i have cancelled my flat in 06/03/2018. After cancelation refund amount 185236 . Only 60000 refund last 4 and half years, remaining 125236 amount still refund pending. My cibil score also very low. Two loan taken my name MOTILAL OSWAL and GIC…