Suspension, ride quality wise I would suggest the punto. Equipment levels are also good. The i20 is also a good piece of engineering especially the diesel, though the 1.2 is a bit puny for the big car. The swift, on the other hand, is undergoing a major makeover and is supposed to be launched quite soon. If youu arent in a hurry, then you can wait for it and thhen decide.
Let me come to the niggles point of view. Many users report malfunctions in the car and warranty claims. If you plan to use the car everyday, then you might not be happy about it, as the car will spend some quality time in the service station 
The i20, OTOH, is quite free from niggles except for the steering rattle problem, which I think was resolved with the BS4 versions. The Swift too, has many complaints of rattles. My diesel swift has run 92k kms till date and the petrol about 42k. Most of this has been in my native rural areas. But we havent had any such problems till date. I suspect the rattles arise due to improper installtion of accessories like ICE, power windows etc. Other than this, the cars are running new till date. The diesel has been pete'd to 90BHP and is quite peppy on the highways, where its mostly used! But still, the service advisor himself is advisingg us not to sell the car.
Coming to my micra, its a petrol and the petrol engine is highly advanced. But the diesel engine is a direct lift from the Logan and the engine is quite backward in terms of technology. BOth engines are fuel efficient as per the reviews go. Ours is a petrol, and hasnt run much till date. Only one service is done and is returning a mileage of 15+KMPL on highways in fully spirited driving.
Where there is a wheel, there is a way!
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