Thanks for the replies guys but few things are easier said than done.
No service class/tax payer would want to indulge in wrong practices but the system in our country is such.
First of all on few suggestions to construct own house - It is not a easy in place like Delhi and that too in authorized colonies. You need lot of money black + white
Only option is you buy builder floors which needs black and there is no option if you are buying fresh. It works well for many when they are selling old property and buying new as they can move cash. But not possible when you want to buy fresh and you don't have cash.
So my original question still is open and I have tried local avenues too but not able to figure out how to get cash to pay and still be safe as withdrawing this much cash in a FY will defnitely raise questions.