I have an Alto for the last 4.5 years. And although it is a pathetic car, with zero grip, ^^^no brakes, lousy speed, immense cabin noise, it didn't give me any trouble in Running. All these 4.5 years, every single day it has been turning the key and going wherever you want.
My point being that a new car means hassle free 5 years.
Cultus is going to be expensive - a2009 in mint will cost you 850-870k. Add a little more and get a 2005 City if you're opting for an older car. Better fuel economy, trunk, a class above, better drive, more cabin space etc etc.
A 2004 City in mint will cost you around 9-9.5.