Can anyone recommend a decent mobile phone?

[Swapnil]

If it's your first smartphone, windows phone would be perfect for you. If you have already owned a smartphone, go for android. Jelly Bean is exceptionally smooth and intuitive and has a lot more apps and games. I have used both. Blackberry isn't recommended unless you are a 40 year old businessman. They cost a lot too.
I've used Lumia 520. It lacks clear back technology, front camera and flash light for rear camera. Camera takes average photos. Battery life is not any good either. It's still the best among the batch.
The phones you mentioned perform below average and will be outdated soon.
Look for Huawei or Lenovo if they are available at your local stores. They provide good value for money and great quality.Lenovo P770 and A830 match your budget. They have latest Android version and everything you will need viz nice dual core or quad core processor, big screen, 1 GB RAM. They are as good as every other brand, don't worry.