State Bank Of India [SBI] — delay in loan disbursement stage wise

Address:

Chennai, Tamil Nadu, 600101

I availed home loan in the 2012 for the amount Rs.6400000. A tripartite agreement was made between me, builder an SBI, Chennai. I ve paid the the builder 90 % of the amount through loan and then closed the loan account. Now my question is the builder is charging me delay payment interest of 24%. I ve intimated the bank to disburse the amount at appropriate stages there was delay in disbursement by the bank. So now who is responsible for the delay? Is it me or the bank or the builder? Does the builder has any obligation to send any documents to the bank to ask for the loan disbursement?