Well after lot of thinking I have booked Swift VXI (O) Fire Red colour at last from MS Auto Hitech.
Onroad coming to 6.56 Lakhs. Exchange value for my old Maruti is 50k including 25 k exchange bonus. And Consumer discount of 15 k. Total - 65k less. Final OTR - 5.9L
I did go to Tata showroom RD Motors and took a test drive of Tiago. They did not have petrol so had to settle for the diesel variant. Its a pretty nice car. Feels solid built , diesel motor felt weak , but acceptable. Interiors , ICE - wonderful.
Things I did not like -
1.very soft seats (which they are marketing as "wrap around seats") - sure to be a problem on long journeys over bad roads
2. Fixed rear headrests ( could not comfortably rest my head/neck , I am 5'10")
3. Little Tata niggles - the car had a loose cabin light switch , the parking brake wasnt engaging easily
4. Not well informed SA (and too clever for his own good)) trying to confuse me with some wrong information. Towards the end it seemed it was I who was demo-ing the car to him
All these things put me off .
Paid booking amount 5k.
Anyway waiting period is supposed to be nil , but Option variant takes 2 weeks approx. Keeping fingers crossed.