The two SUVs you've shortlisted are virtually the same under the skin, so choosing between them really comes down to preference. They both meet your criteria of safety, good looks and economy. 

The Maruti Victoris has the slight edge on the Toyota Hyryder thanks to its slightly lower pricing, more modern tech and longer features list - including ADAS with Level 2 Autonomous driving. 

While the Victoris has scored a 5-star rating from both Bharat NCAP and Global NCAP. The Hyryder is yet to be tested, but as they share the same mechanical make-up, its overall score shouldn't be too far off.

The Mahindra Thar will easily fall within your Rs 20 lakh budget - it is a rugged off-roader with plenty of ground clearance and strong engine performance. If this is going to be the primary car in your household, you could opt for the Mahindra Thar Roxx MX5 diesel-MT 4x4 variant instead. It will be more convenient when you want to ferry more than one passenger, due to its 5-door arrangement. 

However, if you want something that's a lot more polished, refined and car-like than the Thar/Thar Roxx. Also, if you're willing to sacrifice performance, you could consider the AWD variants of the Maruti Victoris or Toyota Hyryder.

Without knowing your budget, it's hard to guide you to the right vehicle. We have listed the options for you to consider - 

Maruti Suzuki Jimny - Great off-road and efficient enough for a 4x4. However, small size means a tight cabin, and performance is dull

Mahindra Thar 4x4 - Very capable off-road and good engine. Two door layout is inconvenient for rear seat passengers

Mahindra Scorpio N 4x4 - Capable off-road, strong diesel engine, seating for 7 passengers

Mahindra Thar Roxx - Excellent off-road, strong diesel engine, great image

Maruti Suzuki Victoris AWD - Decent off-road ability, engine scores well for efficiency. Power and performance is unexciting 

The Maruti Suzuki Victoris is a good option for you. It is a spacious and comfortable 7-seater, and the petrol engine is refined and punchy. The automatic gearbox is smooth, and the ride quality is good too.

The Victoris is also very fuel-efficient, and the Maruti Suzuki service network is vast and reliable. The only downside is that the third row is best suited for kids.

Yes, if your driving is primarily in the city, the combination of naturally aspirated petrol and a smooth automatic is the best option for you. Advantages of the Maruti Victoris are a slightly lower price and official fuel economy rating. 

However, do note that the Victoris uses a 6-speed torque converter automatic, while the Hyundai Creta uses a CVT, and in real-world use, the CVT is likely to be more efficient. The Creta outscores the Victoris in most other areas, too, including your requirement of comfortable back seats, where the Victoris is lacking in space. 

You could also check out the new Kia Seltos, which offers the same 1.5 petrol CVT powertrain as the Creta, but even better rear seat space and comfort.