This is a vry subjective question as in Mumbai FSI is permissible under DCR 32 +tdr under 34 + Fungible under 35(4). Also there is DCR 33 wherein Additiona Fsi up to 4.00 is permissible for specific uses and special cases.
In Maharashtra, as per the bye laws of the co-operative housing society, a banking account shall be opened in the nearest state or district central co-operative bank or its branches