Even if you are not interested in AMC,Give a look at what benefits it has.
You must be knowing wear and tear parts are not covered under warranty.
The GOLD AMC(3yrs or 40k km) is pure VFM and at a throw away price of 19k which covers wear and tear parts(cluth assembly,brake pads etc) and two oil change 15k and 30k km.This GOLD AMC you won't be able to buy after 10k km running.
General calculation of 3rd service & 4th service bill -
15k km & 30k km bill will come around 8k i.e. 8000+8000=16,000rs.(from 19k which you pay 16k is recovered here itself)
If you calculate the maintainance till 50k km of AMC vs Non AMC
The AMC package will be cheaper(and the trick here is to buy Gold AMC at 9k km on odo,it will serve you till 49k km)
Imagine if someone goes to long trip such as shimla or manali from chennai or bangalore and he faces a clutch/brake problem or wheel alignment there.With AMC he did not need to spend a single penny,he can get that replace/repair their and come out without paying any cost.