Well both are in 1000cc category
in 6,95,000 you will get loaded cultus (Powered+CNG)
in 5,55,000 you will get loaded joy (Powered +CNG)
Difference is just 1,40,000/- which means cultus is 27% higher in price.
For any middle class buyer, this difference means alot.
Both Got 4cyliner EFI Engines. very good engines. cultus is known for its resale, while Joy is better in Quality
Parts for both vehicles are expensive when you compare them with parts of 'Mehran'
Decision is yours!
Decide, and let us know logical aspects which caused you to decide anything!