For less than 10K kms per year use, why don't you go for a Petrol car? It will be around Rs.1.2 lakhs cheaper than an equivalent diesel model. With a difference in running cost of around Rs.2.50 per km, it will take a running of about 40 to 50K kms to cover the initial price difference.
Tata Motors offers AMC packages to help keep a tab on maintenance costs. One such package is 3-years/45,000 kms Gold AMC for Quadrajet costing around Rs.8300/-. It will mostly be a little lower for Petrol models.