If you have a small family, rule out Xeta (5-seater in real sense) - it's not as trouble-free car as others.
In my opinion, AC & Power Steering (PS) are comfort features - more like necessities these days.
I would suggest, buy a new small car - can consider Alto LXi (AC & PS, both). It will suit your budget more or less - it's the most popular & highest selling small family car.
If space/comfort of Alto doesn't suit you, consider Spark 1.0 (with AC / no PS).
Honesty is not a Spare Wheel that you pull out when in trouble. It's a Steering Wheel that keeps you on the right path throughout the life's journey.
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