I mean as pointed out by some of the members Jai wasn't guilty for what happened (i.e. the consummation) but for how it happened. At first he was completely in bliss but only upon the entry our "beloved" Pia was he forced to think about the situation in a different angle. He was sure that the consummation was the right thing to happen for himself and Bani but he wasn't sure of Bani's feelings and how strongly she felt about him and hence wasn't convinced that what happened was with her compliance in consciousness.
Bani has had ample opportunities to clear Jai's misconception of her reason for stay at the Walia mansion but by not taking up on any of them she's only fueled Jai's confusion even more. Jai has been hinting at the idea that Bani is free to go after Maasi leaves, that she's only there to protect his honour, etc. for a while.....in fact almost every time he talks to her. And owing to Kekta mai's fancy for misconceptions Bani has never cleared Jai's confusion of her feelings for him either. The only hints that Jai has had of Bani's feelings is her jealousy in a couple of instances i.e. the scene after Roshni rids his hair of soap and the night of the consummation. But like I've said time and again Jai's A GUY! I mean you really can't expect him to translate those subtle hints to Bani's love for him! Although Jai did make good use of Bani's jealosy before the consummation! 😉 But I think at that point it was Jai's love for Bani that took over Jai's understanding of Bani's feelings for him. From Jai's perspective I think the consummation was more a declaration of Jai's love for Bani than the realisation of Bani's feelings for him coz if it was the latter then he wouldn't have had any guilt after what Pia said! So right now I think it would be up to Bani to clear Jai's confusion coz I mean SHE IS THE WOMAN! She should be able to pick up on the idea that Jai is in love with her much more easily than vice versa......but knowing our Kekta mai she could turn the natural instincts of a woman upside down to suit herself! So who knows what's gonna happen.....😕