The real mistake that men do in case of doing it with unwed partners is that they don't take a declaration on 100 rupees stamp paper from her that this "act was totally consensual, Sponatneous and no marriage was promised or discussed" They should then get the declaration notarized and franking should be done.the Process of making Such declaration should also be recorded on video with sound in case girl starts framing charges.
When I start fingering my partner she wants me to stop after few minutes and want penetration. She do not want to come while fingering, so it depends on each person