I'd rather pick the motorola defy plus of of these when i buy it in January when the price decrease to about 16000 Rs.
The refurbished iphone 4 is not for me as it would cost about 22k much more than the defy+ and i want to stick to Android even while some may argue that ios is better.
Given a choice ,Next i'd choose SE neo v and then galaxy SL both priced around 17k. Optimus black is a good phone but some online reviews have proven otherwise citing some of it's demerity.
I'd stick with defy plus however you may be convincing me.