nOKIA LUMIA 920

Can someone tell me that if nokia lumia 920 fine to use or not?

well that's a really ambiguous qquestion.
If comparing to android phones of similar price tags,
lumia 920 gives much less games and entertainments, dsepite the development of the wp market
theres' nothing really special about the music quality

And heres the pros:
Really nice standby time (as you have nothin to play with)
Useful Office Mobile with Skydirve that let you forget about the damm usb (i mean the cable)
Especially good OneNote, that you can ammend yr notes on the desktop/ NB, with basic functions like words typing and pic. inserting
Good contrast of the screen, as the b.g. is always black in colour (is black a color?), so u hv nthg to worry about adjusting the screen brightness whenever you go outdoor
Able to sync with google calendar (at least at the moment) as well as contacts, but you'd better turn to hotmail for consistent service,
Functionality of Whatsapp and Skype greatly improved, comparing with wp7
Lumia 920 seems capable of capturing fantastic photos at night even you acquire no technique
Although the entertainment sector is weak the market still provides more than enough useful apps

And you'll have to spend 1-2 days getting used to a new lumia 920, since the coordination with skydrive is sometimes wierd.  At least you can't just drag a [.txt] into the phoen memory if you wanna read a book. You've got to dl an app, and then upload the [.txt] to the skydrive, and then sync that with the phone.  But that matters little after you've got used to it.

Well these are words from a llumia 620 user, since i don't have enough budget.
Hope it helps