I test-rode the Speed T4 and Speed 400 last week and liked both. The Speed T4 price is great at ₹2.67L, but the tyres and lack of traction control are holding me back. Speed 400 feels a bit expensive. I'm confused between these three options: Speed T4: Good price, but is it enough for an experienced rider? Speed 400: Costs ₹3.21L and has great features, but I've heard about stalling and engine stress. Duke 250: Costs ₹2.87L. What do you guys recommend?

The omission of traction control on the Triumph Speed T4 should not be a concern because, given the performance ceiling of the bike, you'll rarely miss the system - if at all. The tyres, too, are commensurate with the Speed T4's performance and should be a non-issue. If you do want better tyres, you have a wide variety of aftermarket options which won't be very expensive either, so that should solve a potential issue for you.The stalling issues on the Triumph Speed 400 are restricted to isolated units and aren't very commonplace. If you buy a brand new bike that does have this problem, you should be able to get it fixed under warranty.The KTM 250 Duke is a much more sporty machine than the two Triumphs and has some features they don't, like a bidirectional quickshifter and a colour TFT display. It won't feel as quick or as effortless to ride as the Triumph 400s because of its smaller 250cc engine, but if you enjoy revving a bike out to its limit and want to have that sort of experience, this might actually work in your favour.Do bear in mind that the KTM will feel a little cramped if you are above 5'10", and the Triumph 400s also have better suspension comfort. We'd recommend taking a thorough test ride of all three before you make a decision.

At the sedate speeds you will be riding, all three bikes' engines will be smooth and rather unstressed, so that shouldn't be a factor for you when you decide. Coming to suspension comfort, while all three set a very high baseline, it is the TVS Apache RTX 300 which has the edge in comparison to the KTM 250 Adventure and Royal Enfield Scram 440. Its suspension is plush yet controlled, keeping you comfortable over bad stretches while maintaining its composure on the road. If you opt for the RTX's top BTO variant, you'll even get some adjustability, so that's a clear win for the RTX in the suspension department.Even in terms of seating comfort, the Apache RTX 300 is the clear winner. The Scram 440's seat is comfortable for the pillion, but the rider's section is too thinly padded and the KTM 250 Adventure's seat is thin, firm and not the most spacious for two-up riding.However, the RTX is still a very new machine, and we'd strongly advise you to wait for 6 months - 1 year before you buy one, so that if any teething issues crop-up TVS can iron them out.If you want to buy any of these bikes today, the Royal Enfield Scram 440 will make for the best all-rounder, although it will be the most expensive to buy. If seat comfort is a problem for you, this is an easy and rather inexpensive fix at a trusted local seat shop.

The Hyundai Creta S O 1.5 IVT is a great option in the midsize SUV segment. The petrol engine is smooth and refined, and the automatic gearbox is well-suited to city driving. The Creta also offers a spacious and comfortable cabin, and the feature list is quite comprehensive. The discount you are getting makes it an even more attractive proposition.Being a new launch, the Kia Seltos won't be available with any discounts, but we'll still recommend you to consider the new Kia Seltos, which is essentially powered by the same 1.5 petrol-automatic combination as the Creta, but it feels a lot more modern in comparison. Its suspension also feels more comfortable than the Hyundai's. The HTX IVT will fall within your Rs 20 lakh budget.

The Tata Altroz diesel is a well-rounded car. It is spacious, feature-rich, good to drive, and the diesel engine delivers good performance while being very fuel-efficient too. Since your monthly usage is on the higher side, you will benefit from lower running costs by opting for a diesel, compared to a petrol/turbo-petrol car. Also, the Altroz feels reassuringly stable on the highway, and even passengers will be comfortable over a long journey.With the Mahindra XUV 3XO, you get high seating and ground clearance, and its turbo-petrol engine is strong and refined too; however, efficiency will not be as good as the diesel Altroz. Between the two, we'd recommend you go ahead with the Tata car.