Hyundai Creta

That is a difficult balance to achieve, but two cars come close to your requirements, the Volkswagen Taigun GT 1.5 turbo and the Skoda Kushaq 1.5 TSi. 

Both use the same engine, and their performance is on par with the Hyundai Creta 1.5 turbo, which already offers strong performance. The advantage of the VW and Skoda engines is cylinder deactivation, which helps significantly on the highway. 

When the engine is under low load, it can shut down two of the four cylinders to save fuel and improve efficiency. Both cars are well-equipped, too. We would suggest waiting for the facelift versions, which are expected very soon.

Your usage should determine which car suits you best. The Volkswagen Virtus, being a sedan, is one for keen drivers as it's got punchy turbo petrol engines and a sorted ride and handling balance. 

A midsize SUV like the Hyundai Creta, on the other hand, will be better for the family-oriented as it has a more spacious and practical cabin.  

The Hyundai Creta and Kia Seltos are mechanically identical, so your choice should boil down to which SUV's exterior and interior you prefer and your proximity to the brand's touchpoints. 

It's worth noting, however, that the Seltos gets a heads-up display, which the Creta doesn't, while the Creta gets a 'boss mode' for the front passenger seat, which the Seltos misses out on. 

Go for the Maruti Suzuki Victoris, which will not only be more fuel efficient than the Hyundai Creta, but it also has the nicer-tuned, more absorbent suspension, making it more suited to drive over bad roads. The Creta is a touch more spacious and will be more comfortable if you travel with 5 adults regularly. If not, the Victoris seems to fit your needs better. 

The Hyundai Creta is a good all-rounder mid-size SUV; it offers multiple powertrains across petrol, diesel and electric variants. Assuming your running is not very high, you can opt for the petrol 1.5-litre naturally aspirated engine along with the CVT automatic gearbox, given that your driving is mostly in the city. With your Rs 20 lakh budget, you will get the Hyundai Creta S(O) variant, which is decently equipped too.     

Since the majority of your driving is in the city, the Hyundai Creta IVT would be a better choice. 

Yes, it is low on power, but there is enough grunt to make quick gaps in the city and overtakes on the highway. It does not feel underpowered. 

The advantage is the IVT gearbox, which is smoother than the DCT in the city and will make light work of driving in a traffic-heavy city like Bangalore. Also, since it is a lesser-powered version and it does not get a turbo, it is also a bit more efficient in the city.