I was the same boat as you a couple of years ago. I bought a Cultus 2005 with 57k on the odo as my first car. It's been a great experience. I've done regular maintenance, nothing more and the car has been super reliable. The odo is at 90k now.
If you want cheap maintenence Cultus is the way to go. Bumpers got scratched up? 1k each. Side mirrors, less than 500 rupees.
If you're learning how to drive or want a basic ride, Cultus works well. If you want a better all round ride and can afford it, then City.
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