No one here can say anything definite about the delay that comes
AFTER the contract signing. Only HAL knows that. I'm talking about the delay
BEFORE the contract signing. In 2018, it was reported that contract would be signed at the end of 2019. As November 2019 came, it was delayed to jan 2020. Now in jan, it is being said that it will be signed by mid-2020. That test pilot mentioned that atleast 4 months of work is left. And this is the delay for a product that has mostly been realised. They are taking this long to negotiate. Don't hold your breath this time too.
Some defence outlets reported in 2019 that metal cutting will take place in feb 2020. Now, thats shifted to april 2021.
Here, this article:
India’s Medium Weight Fighter set to fly into detail design phase
It says targeted roll out in august 2022 and first flight in september 2023. Well, how reliable the sources are, only god knows. I certainly don't expect them to be on target.
I'll list 2 articles:
AMCA could fly undetected during dangerous missions
AMCA, India's first stealth fighter, likely to be airborne before 2025
In both the articles the "official" says they have the target of first flight in 2025.
As, I said add 2 years to their timeline and then you are good to go.