You can go for beat also as it is currently the cheapest diesel around. Also check with the delaership if they can offer you 3 year zero maintenance cost plan.
EMI for 5 years on 4.33 lac @ 13.5% will be around 9,964 PM.Same for Indca Vista can go upto 12,265 for a 5.33 lac loan. To be frank does not seem prudent to pay that much for Indica
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I would better suggest a 2nd hand car in the range of 3-4 lac. Even if you are paying 25k for yearly maintenance, would be cheaper than taking loan of 5 lac.
A 2007 decent condition swift LDI would cost you 3 lac, you can even sell it after 2 years for 2 lacs
Given below is ownership calculations for your reference. DP in each case has been 1 lac and cost of funds for new car @ 13.5% and for old swift @ 14.5% for 5 and 3 years respectively.
Regards,
Maddy