Hyundai Exter HX6 Petrol AMT

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The i20 feels far more premium and its cabin is more spacious than the Exter's. Both cars share their 1.2-litre petrol engine and 5-speed manual gearbox. And the difference between their fuel efficiency numbers (if any) will be negligible given that the i20 is slightly heavier than the Exter. Hence, if you like the i20 Magna and are getting a good deal, go for it, it is the better option.

Hyundai i20

Hyundai Exter

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Between your two picks, the Hyundai Exter has the more refined powertrain. Its four-cylinder engine feels very smooth, and the clutch and shift action are light, making it very easy to drive in traffic. Performance is also stronger, and space and practicality are marginally better. Hyundai also has a strong reputation for reliability and after-sales service, so it offers peace of mind, which is important for your first car.The Tata Punch doesn't have the same level of refinement, but its ride quality is superior to the Exter's. It also has a higher driving position, which will be useful since you are a new driver. Tata's service can be inconsistent, so check your local dealer's reputation before you commit. Overall, the Exter is the more sensible choice; however, if ride quality and a high seating position are non-negotiable for you, then the Punch is a fine alternative.

Hyundai Exter

Tata Punch

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Considering your daily running of around 80km, we would actually suggest opting for a CNG car to keep running costs down. The Hyundai Exter CNG is a good option, but it is available only with a manual gearbox. This is where the Tata Punch CNG AMT makes a lot of sense, as it combines lower running costs with the convenience of an automatic, which should reduce the stress of driving in Chennai traffic. This car also feels solidly built, has a comfortable ride and offers adequate performance. If you are open to a hatchback, the Maruti Suzuki Baleno CNG AMT is another option within a similar budget. This Maruti Suzuki car offers more cabin space and the convenience of a CNG automatic, although you will have to compromise on the SUV stance and the Punch's higher seating position.

Tata Punch

Hyundai Exter

Maruti Suzuki Baleno

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Your average daily running of 40km and a monthly running of 1200km isn't much to justify the premium you would pay for a Hyundai Exter CNG over the petrol-manual version. On the other hand, the AMT gets you the convenience of an automatic without compromising fuel efficiency significantly (compared to the manual version), so it is certainly worth paying for; even more so, since your wife isn't comfortable driving a manual. If you're open to other options and absolutely want CNG along with the convenience of an automatic, consider the Tata Punch CNG AMT or the Maruti Baleno CNG AMT.

Hyundai Exter

Tata Punch

Maruti Suzuki Baleno