Consumer Redressal

My complaint is regarding my Apple Iphone 5s. I had bought it in January 2014 & had 1 year warranty. Within 6 Months I noticed a few lines on the screen leading to black spots on the screen & the touch screen getting non responding. I have never caused any damage to the phone by accident, abuse, misuse, or other external causes. Never even dropped it or kept it on hard surface. You won\'t find any scratches or dent even after so many months. Now the Apple co. says that this is physical damage & is not covered under warranty & wants me to pay Rs.22000/- for replacement.Though the warranty condition states that physical damage & water damage is not covered under warranty, but this is no kind of physical damage. I have already paid Rs.52500/- to purchase this phone, & can\'t pay another 22,000/- for replacement within 6 Months. Kindly Help.