Sir, the penny you are talking about is 1 lac rupees which in my humble opinion is justifiable as you can get the following items. Let alone with OEM rims will cost you 20k to 30K. The bridge Stone tires, the key less entry with immobilizer, the fog lights, ABS, OEM In-Dash player and all of this with a whooping price difference of 2.33 lacs with that of city manual.
Dear the base DX version you are talking about has whooping 3.33 lacs difference with that of city base. Furthermore, 13.89 lac city lacks these features with that of swift DX which includes immobilizer, yokohama tyres(not available in city) and also price difference of these two base version is alot.
IMHO, the base version of swift is well priced as compared to city which in my opinion is over priced.
Note: I am comparing with the revised prices of that suzuki has issued. Right now, Honda stopped the production of cars and might also increase the prices when the production gets started so the difference in prices would increase.