The Maruti Suzuki Grand Vitara AT will prove to be more efficient, but the gap will not be all that large. Sure, the mild hybrid setup does help, assisting the engine and reducing load. But the bigger benefits come when the engine stop/start is also used. Engine stop/start automatically switches the engine off at long halts and restarts it when you are ready to move, in the interest of saving fuel. 

Trouble is, the AC compressor also goes off with the engine, so on a hot day, you'd rather leave the feature turned off. Do note, engine stop/start is a feature you'd find on the Hyundai Creta IVT too. 

The Grand Vitara should be more reasonable in terms of maintenance and service costs, though. 

Strictly speaking, on product attributes, the Creta IVT is a superior package. It's got a smoother gearbox, better performance and is also roomier than the Grand Vitara. The Creta IVT in base EX(O) trim is pricier than the base Grand Vitara AT Delta, but would still be our pick if you don't mind the stretch.  

 

If you're happy with your 2019 Creta, the ideal switch for you will be a Hyundai Creta Electric. It's a relaxed, easy to drive and very likeable EV. Range is good, so you won't need to plug it in all that often, and there's ample boot space too. However, we would urge you to try fitting your golf set into be absolutely sure. 

Alternatively, you could look at the Kia Carens Clavis EV. It's got the same attributes as the Creta Electric (the two models are related) with the added flexibility of a third row of seats. With the last row of seats folded, your golf set should fit comfortably in the vehicle.  

None of the cars you have shortlisted have Level 2 ADAS, within your budget of Rs 15 lakhs. Since this is a must-have, you may consider the Tata Nexon, which satisfies all your requirements. It includes a 5-star crash safety rating, ADAS, tyre pressure loss indicator, sunroof, cruise control, and its boot space is quite respectable too. Also, the Nexon feels tough, and its ride comfort is very good for your city and highway drives. 

If you are comfortable with sedans, then the Honda City and Hyundai Verna meet all your requirements, and have a much larger boot than all the compact SUVs on sale. Between the two, the Verna feels more modern, and is a bit more refined, too.

You should check out the Maruti Suzuki Brezza, which has a plush ride and scores well on fuel economy. Its interior doesn't wow with the latest tech and gizmos, but scores for space and excellent seat comfort. 

The Maruti Suzuki Fronx Turbo/ Toyota Taisor Turbo would be next on our list. There's a bit more flash inside the cabin, the turbocharged engine is more exciting than the Brezza's and fuel economy is also good. Again, ride comfort is impressive.

The new Hyundai Venue is also an option. It's got a modern interior but trails the Marutis on ride quality.  
 

The choice really comes down to what you are looking for from your car, and without knowing that its hard to pinpoint one. If you drive mainly in the city, we would rule out the Harrier. It is quite large, and though the steering on the petrol is light, on the whole, the car does not really feel nimble on its feet. 

It is best for highways and longer drives. Between the Tata Sierra and the Hyundai Creta, the Sierra has the advantage of newness and novelty value. You will also get more equipment, like a three-screen setup, a better-sounding audio system and a powered tailgate. However, you will have to pay more than Creta. Thus, if your budget is strict, then the Hyundai Creta will prove to be a very good all-rounder. 

You can look at either the Skoda Kylaq or the recently launched Hyundai Venue. Both cars have scored a full 5 stars in BNCAP, so your safety requirement is well covered.

Within your budget, you can get the top Prestige+ variant of the Kylaq. While it misses features like a 360° camera, it comes well loaded with a premium kit. It includes a 10.1-inch touchscreen with Apple CarPlay and Android Auto, a single-pane sunroof, powered front seats and more.

Between the two, the Kylaq is the nicer car to drive; it offers confident handling, a comfortable ride and a spacious cabin that’s supportive for four adults. The boot is also generous.

The Venue, on the other hand, is more spacious overall and benefits from Hyundai’s wider sales and service network. It adds peace of mind to ownership.

If driving feel and feature content matter most, the Kylaq Prestige+ is a strong choice. If you prioritise overall space and a broader dealer-service network, the Venue makes more sense.