I would suggest you to look at the choice differently.
If you have choice of petrol as well as diesel - example Verna or Linea - then the logic of recivering the extra cost over period applies. In case of SX4 or City, you do not have an option. Hence first consider whether you are particualr about Petrol or Diesel. If you are not particular - now a days diesel cars are as good as are better than petorl in terms of maintenance. If you are not particular about going for petorl, then you get a car on diesel like Linea or Verna around or below the price of City or SX4. Now break the mental barrier that you need to run at least 50KMs per day if you buy a diesel. That logic applies only if you want to look at "cost recovery" between same models. Else you can completely consider a diesel model and go for it - with running and maintenance costs lesser than petrol.
Note that Linea gives an average of 14+ in City and 18+ on highway - I own one for last 5 months and I am very happy with the service too. That you get at the price of City with less running and insurance costs.
As some one pointedout, for Swift you need to wait for turbo to kick in as it is fixed, but Linea has VGT and you find the driving good in city and highway. Wanted to add another fact
Service frequency of Linea is 15000 KMs and spare parts are very reasonably priced - check in what car magazine I think March 2009 issue or at Fiat site itself to compare.
Huyndai is known for its service and frankly speaking I did not find any difference between Fiat and Hyundai.
Here again it is a choice you need to make - how much weightage you give to "taking fiat car to Tata for service".
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