Want to froud - Blank cheque demand for Car loan

I am asking for a car loan for a maruti suzuki A-star model that means in other words i can say my loan amount is around 3.5 lacs.

I have all relevant docs like identity proof (passport,electricity bill,driving licence,my corporate card, office badges,6 months banl statement, form - 16, last 3 months payslip).

Now the agent came to me, asking for post dated cheque and srprisingly asking for a Blank cheque..

Can you imagine a blank cheque..how Govt pass the bill for them to do this kind of things...

I also told them that maximum for security you can ask for a cheque with a max amount of my loan amount but not more than that...but how it can be a Blank cheque?

I also find that there are a lots of complaint about this thing against this bank.

So as an Indian..could we expect that we can get an answer from you?
I really want to know what is the purpose of this rule which not logical, un-safe, risky.