Maruti Suzuki Victoris ZXI Plus AWD AT

While a full-on 4x4 system is useful for off-roading, a part-time AWD system, as offered by the Maruti Victoris, is handy in low-traction environments like the loose mud you encounter during your 30 percent rural usage. 

Yes, both the new Renault Duster and Tata Sierra have advanced electronics to deal with low-grip environments. But they can't quite compare to an AWD system that drives all four wheels, in case you get stuck in a tight spot. The Victoris AWD, then, proves to be the best compromise between utility and everyday usage. 

While its engine is not super powerful, it is efficient and reliable, and the Victoris offers good high-speed comfort and stability. It should aid you on the highway, which is where you do most of your driving. 

From the options you listed, we would recommend going for the Kia Seltos diesel manual. Even in the base variant, the Seltos still gets most of the essential features. Being a larger car, it will also feel more comfortable and stable on long highway drives. The diesel engine offers good performance and will feel effortless on the highway, which suits your usage pattern well.

From a pure efficiency point of view, it makes sense to go for the manual transmission. Torque converter automatics tend to reduce fuel efficiency slightly, and with diesel efficiency already coming down due to tighter emission norms, the manual will help maximise mileage. Also, since 70 percent of your driving is on the highway, the manual transmission should not feel inconvenient.

If the lowest running cost is your main priority, then the Maruti Suzuki Victoris LXi CNG is worth considering. The running cost will be much lower than that of even diesel engine cars. Thanks to smart packaging of the CNG tanks under the boot floor, the boot space, unlike most CNG cars, is not compromised.

However, compared to diesel cars like the Seltos, the 1.5-litre naturally aspirated engine will not feel as effortless on the highway. Also, it does not come with a spare tyre, only a puncture repair kit, which is something to note, considering you spend most of your time on the highway.

The Mahindra Thar will prove to be uncomfortable for your usage. Its ride quality tends to feel quite bumpy, especially on our less-than-perfect Maharashtra roads. Also, the amount of driving you do, it will become tiring over long distances. 

For your usage pattern, the Seltos diesel manual would be the better choice thanks to its comfort and strong highway performance. If your focus is purely on minimising running costs, then the Victoris CNG is the alternative to consider.

Currently, Honda has no plans to introduce an Elevate Hybrid. Instead, it is focusing on its fully electric 0 Alpha SUV, which is poised to launch next year. If a hybrid is what you want, then your current options in this segment are limited to the Maruti Suzuki Grand Vitara/Toyota Hyryder and the Maruti Victoris. Renault has plans to introduce a hybrid version of the upcoming Duster, which should arrive around Diwali this year.

If a hybrid is not a priority, then take a look at the new Kia Seltos. The 1.5-litre naturally aspirated engine and CVT combination is a close match for the Elevate and works very well in the city. It is also more spacious, with comfortable seats at the front and rear, and has good NVH levels.

The Maruti Suzuki Victoris strong hybrid is a great fit for your requirements. Since most of your driving is in the city, its hybrid system should deliver excellent fuel efficiency while also offering a comfortable, reliable and well-equipped package.

With regard to the variant, the ZXI (O) is quite well equipped as it is, with features like auto LED headlamps, alloy wheels, a powered tailgate, a digital instrument cluster and a 7-inch infotainment screen. However, the ZXI+ (O) adds a few niceties like powered and ventilated seats, a 360-degree camera with front parking sensors, and a larger 10-inch infotainment screen with an eight-speaker Infinity audio system.

If these features are not worth the Rs 1.9 lakh premium to you, then the ZXI (O) has all the essentials and remains a good choice.