[I Want to know if I Used Hyphen (-) In Title then is there any problem in Indexing or in On-page SEO. I am totally confused some Experts told me that there is no problem and others say that there is.]
Generally speaking, there is no problem with using hyphens. Perhaps it the way you are using it that could be problematic?
You say you are using hyphens in your “title”, I frequently use hyphens in page titles and have many top-ranked listings. Just do a few random searches and you will see many top-ranked pages that have used hyphens within their page titles.
Even Google uses hyphens in page titles: Webmaster Guidelines – Webmaster Tools Help