There is nothing currently available given your requirements of a non-AMT diesel under Rs 10 lakh. The next closest would be the Kia Sonet diesel, which comes with a torque converter automatic but will be around the Rs 15 lakh mark (on-road). Since you seem to want a very smooth city commuter and are concerned about running costs, you could consider going electric. If you have the option to charge a car, an electric would do well in terms of offering you a smooth drive experience and with a low running cost. The Tata Punch EV would fit your requirements and come in at the Rs 10 lakh mark.

