Since you need an extremely fuel-efficient automatic five-seater, we'd recommend you consider a Maruti Fronx/Toyota Urban Cruiser Taisor 1.2 Petrol AMT. Besides, the engine has adequate performance for your highway drives, and will be smooth for city use. 

Moreover, its high ground clearance will be handy on bad roads. These cars are likely to be quite reliable, so you can expect a trouble-free ownership experience.
 

If you are happy with the Ford Figo and it is running fine, you could hold on to it, however it will get progressively difficult to maintain it. Thus, if you can change it might be a good idea to do so now. 

Consider the Maruti Suzuki Fronx / Toyota Urban Cruiser Taisor. The car will feel similar in its fun-to-drive character to your Figo, and you could opt for either the turbo or the naturally aspirated engine. 

The 1.0 litre turbo will be more peppy and fun to drive but given that turbo's are very sensitive to driving style, you will likely see real world efficiency figures than quote. In this regard, the 1.2-litre naturally aspirated engine will be better, though at a lower performance level. 

Test drive the two and see which you prefer. 

Given your limited running, a hybrid or an EV will not make the most financial sense. 

We’d suggest you consider a petrol-automatic. There are many options in your budget, though the Maruti Suzuki Brezza, Maruti Suzuki Fronx Turbo and Toyota Urban Cruiser Taisor Turbo are the ones that will best meet your requirements of good economy, low maintenance and reliability.

The Brezza is an upright compact SUV and has the roomiest interior of the options. Its 1.5-litre engine, however, is pleasant but unexciting.

The Fronx and Taisor are essentially the same car. Both are best with the turbo-petrol engine and automatic gearbox option. Performance is impressive, and fuel economy is also good.

Both cars offer comfortable seats and a comfortable ride, well-tuned for Indian roads and city usage, making them ideal for daily commuting. Maruti has already proven its hassle-free ownership experience to you, while Toyota is also known for reliability and smooth ownership.

Between the two, you can pick based on which design, brand and feature mix you prefer, but either will tick your key boxes of comfort, mileage and peace of mind.
 

If you like the Toyota Urban Cruiser Taisor then you should definitely go for it as it's a well-sorted car. 

The Taisor has a spacious and comfy cabin, and it comes with 6 airbags as standard. The 1.2-litre naturally aspirated petrol engine is frugal too. Toyota Taisor mileage with the manual gearbox is 21.71kpl and a higher 22.79kpl with the AMT automatic (claimed).

As you've mentioned, the Hyundai Exter is the smoother and more refined car of the two, thanks to its four-cylinder petrol engine. 

Its transmission is also relatively more seamless, and overall, Hyundai cars have a better reputation for their sales and support network too. 

Other options you could shortlist are the Maruti Fronx or Toyota Urban Cruiser Taisor 1.2 petrol AMT.