In my opinion, go for:
Cultus (only if wanna buy new): Fuel efficient, easy to maneuver, cheap maintenance.
If you can spend some time and effort then go for some good used COROLLA GLI. Yes, its hard to find but you will never regret your decision. Its comfortable, cheap to maintain, rugged. You can get 2014 model for 17-18 lac.
Don't go for VITZ or Passo. They both have got Ghatya engine( Will runs for 45k kms and then you have to replace it) and Ghatya suspension.
If spending 21 lac for City the what will you get: only fuel efficiency, other than that Tin dabba wali body, suspension jo har jaga beth jate hai, 11 saal purane shape, cannot seat 3 person in the bag comfortably)