Go for a 1000cc 2016-17 old shape cultus, there is no car as reliable in this budget range.
Suzuki swift is nice but there is zero boot space, fuel efficiency is poor and doesn’t have any resale.
City 2009 if in good condition, will be atleast 13lacs, and will need another 1.5-2lacs within first two years of ownership. Main expenses will be tyres (50k) Suspension (20-35k) brake rotors and discs (20-40k) add some body work, cleaning/detailing etc.
Buy the car only if well maintained otherwise newer the better.
Another good option is belta or vitz 2009