The number before the "W" is the viscosity when cold, so lower this number the thinner the oil is - it means that the oil will have the same viscosity at 5 deg F as an oil which is at 30 deg F temperature. If you use 20W50 (or 20W40) when the ambient (or cold engine) temperature is zero deg F the oil will be much thicker and hence cause pistons to have less lubrication during the period the oil comes up to operating temparature - this period will be longer in this case. This means more friction and hence greater fuel consumption till the oil gets thin enough to lubricate properly.
Therefore the oil used should be rated according to the coldest temperature expected during start-up. For Mumbai conditions almost any oil will do from 5W30 to 20W50. Since the engine is new 5Wxx or 10Wxx oil can be used - but I'd not recommend this for older cars since the oils are rather thin and can dissolve any "good" dirt - this is dirt that is basically formed at the correct place and acts as a seal - where the actual seals may be worn out and the "dirt seal" offers additional protection. If this gets washed out, the original seal may not be upto the job and the result will be a rather expensive engine job!
S = k.I^2, where S is the amount of stupidity a species possesses, I is the intelligence the species has and k is the universal constant of stupidity.
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