If your current car is running well and there are no mechanical concerns, it makes sense to hold on to it for another two years. However, if you are keen on upgrading, the engine to opt for in the Tata Sierra is the 1.5-litre turbo petrol. But for that, you will have to stretch your budget to over 20 lakhs. Waiting for a couple of more years might work in your favour, as by then more new products would have entered the market, giving you wider options to choose from.

The best sub Rs 20 lakh EV for city use and short distances is the MG Windsor. It has compact dimensions which give it good manouverability in the city but without compromising on cabin space, which is very generous. It is easy-to-drive, well-equipped and has enough range for your daily runs of 75km and more. A brittle ride and a fair bit of road noise that creeps into the cabin are the only real drawbacks. You can get the Exclusive Pro and Essence Pro, depending on how much you can stretch your budget.

We would recommend you go for the recently launched Mahindra XUV 7XO. Although your running is not that high, we would still recommend you choose the diesel variant as the petrol engine, though silky smooth and powerful, is not very fuel efficient. And considering half your driving is on the highway, there is an unlikely chance of facing any DPF-related issues with the diesel variant.The diesel engine is also refined, and the 6-speed torque converter automatic is smooth and quick shifting, which makes city driving and highway overtakes effortless. In your budget, you can get the AX5 diesel AT, which is well-equipped.

The Citroen C3 Turbo-AT is an excellent crossover hatchback that's compact in dimensions, packs in strong performance, and it'll easily fall within your budget. But go for it, only if there is a Citroen touchpoint near you. The Nissan Magnite Turbo-CVT/Renault Kiger Turbo-CVT are also good, value-for-money options. And even though both these are slightly larger than the Swift, they are narrower than other turbo-automatic compact SUVs available at this price. It makes them relatively easier to navigate.