Both the Kia Seltos and Hyundai Creta are mechanically identical, so you can pick either one without any hesitation. That being said, Kia recently launched the new-gen Seltos, which has a more spacious cabin, more features and a comfier rear seat than the Creta. 

Both SUVs are powered by the punchy 160hp, 1.5-litre turbo-petrol engine that's paired with a 7-speed dual-clutch automatic gearbox. 

Alternatively, if you love driving, the Volkswagen Taigun and Skoda Kushaq might be worth considering. Both these SUVs come with a 150hp, 1.5-litre turbo-petrol with a 7-speed DCT gearbox and offer better handling than the Kia and Hyundai cars.  

Of the options on your shortlist, the Hyundai Creta IVT is the best. Hyundai's CVT (IVT as they market it) is excellent, delivering a smooth experience, especially in city driving. It's free from the rubberband effect (rapid rise in engine revs without a corresponding rise in road speed) that CVTs are notorious for. Also, it works well in sync with the engine and adapts well to your driving style. 

Do note that, given that you want to keep the car for over 10 years, the Hyundai Creta that's towards the end of its life might not make the ideal choice. The new-gen Creta is about a year away, meaning opting for a current-gen car will have you miss the advancements made to all aspects of the model. 

We suggest you consider the new Kia Seltos IVT, which shares its engine and gearbox with the Creta IVT. By virtue of being built on a new-gen platform and being larger in size, the Seltos IVT makes for a more wholesome package for similar money.  

Unfortunately, the Hyundai Creta will only be available in a base variant in your budget of Rs 15 lakh. The Skoda Kylaq Signature is an excellent option, offering superb ride comfort and a punchy engine. 

While it can be fuel efficient, however, you have to drive very carefully to get the most mileage out of the 1.0 TSI engine. If fuel efficiency is a top priority, consider checking out the Hyundai Venue diesel. It's not quite as comfortable as the Kylaq but it will certainly deliver better mileage.

The Skoda Kushaq is a competent mid-sized SUV that stands out for its driving experience. Its 1.0 and 1.5-litre turbo-petrol engines deliver punchy performance, and handling is also slick and fun. The Kushaq also feels tough in its build and comes with the reassurance of strong safety ratings. On the flip side, the Kushaq feels smaller than many like-priced rivals and isn't ideal as a five-seater. 

Skoda will introduce an updated version of the Kushaq later this month. We expect the model to get a few styling revisions outside and more features, too. It might include a panoramic sunroof and a segment-first rear seat massage function. 

The updated Kushaq will also get an uprated air conditioner that will provide stronger cooling, which has been one of the model's weaknesses since launch. While the engine options will continue as is, the smaller engine's 6-speed automatic transmission is expected to make way for a more efficient 8-speed unit. 

To sum up, the Kushaq should be on your list if a fun drive experience is a priority. If space, comfort and features are important, consider the Kia Seltos, Hyundai Creta and Tata Sierra. 
 

Since 80% of your driving will be in city conditions, a smooth driving experience is also something you must give due weightage to. The Kia Seltos IVT and Hyundai Creta IVT deliver that, and top our list of recommendations for you. 

Sure, the 1.5-litre naturally aspirated petrol engine's 115hp isn't great, but real-world performance is actually very nice with brisk acceleration and very smooth responses. The CVT (IVT, as Hyundai and Kia call the gearbox type) is also very smooth. Also, it is free from the rubberband effect (sharp rise in revs without a significant rise in road speed), which this type of gearbox is usually notorious for.   

Of the two models, it's the new Kia Seltos that's the more wholesome package, offering more rear seat space and better ride comfort. Your budget allows you to go for a higher trim level, getting you lots of tech and comfort features.