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Hi, I personally dont believe that I-20 is an overpriced car,please note that the additional features like Air bags, ABS, 2 din music system,steering height adjustment and moulded audio controls, rear disc breaks, higher engine displacemet 1.4L (i-20), 1.3L (swift), higher power(90 i-20 -75 swift), electric foldable mirrors, 2 tone beige interiors,alloy wheels,automatic climate control,rear wiper and washer, defogger, 60:40 split seats ( in swift full foldable), driver seat height adjustment, more boot space, all of these contribute approximately 1,75,000 rs. Ex-show room price of swift in bangalore - 496,465, where as i-20 is 683,431. The difference of 186,966 can be justifyable for the saftey and luxury it has been offering.If we say swift is an VFM, certainly i-20 is also a VFM .It has so many additional features,luxury and safety which are put in the right place, which makes the car a worth buy.If money is not a concern, then definately i would prefer i-20 Asta CRDI in the premium hatchback segment. Altough i am not a professinal in this field, i have tried to analyse few major things which were posssible from my side. please post your comments on this. thanking you.