Let me tell you frankly, your SA is pushing you unnecessarily. As it is they don't have a TD vehicle in AT so most likely in case you delay your purchase due to any reason it is highly likely that it may be converted to a TD vehicle for future. Second thing could be, he is taking undue advantage of Ciaz's waiting period so if there is delay by you then he may allot the same vehicle to someone else. I have faced this same situation with Toyota recently and a same thing happened with me when I booked my Ertiga earlier this year.
You have all the right to take your time for arranging the finances and then take delivery peacefully. Don't feel bothered by what the SA says. It is their job right from day 1 to push the customer to make full payment on the booking itself. Mark a mail to the dealership head with a BCC to MSIL stating your point and then see the same SA will think at-least 10 times before pushing you any further.
Thanks. As of now he is agreeing to wait till loan etc. and has also agreed to try for a test drive for manual vehicle. Of course I will write to MSIL in case I am pushed .
I did a kind of comparison between Ciaz and City at dealers this weekend and here are my points:
1. Ciaz has large road presence and looks much more beautiful outside and inside. The dash really looks like from a segment above and plastic color and quality is good. The view and distance from rear seats give a feeling of sitting in a large premium car. The driver too will feel driving a premium sedan because of nice dash design. City has dials with blue lights and touch ACC but overall Ciaz dash and dials design looks better.
2. The Ciaz seats are harder, driver's seat does not go sufficiently down resulting in a higher driving position for tall driver like me. I also found that the viewing area is reduced and larger IRVM seems to slightly obstruct left side view though it is not uncomfortable. City seat goes down a lot and more view but driver has to sit very low. The raised floor below front seats is uncomfortable for tall people as feet movement is restricted.
3. City seats are softer, more comfortable. I do not know what impact seat hardness/softness would make in driving ( long, traffic ).
4. Because of soft seat, City seems to have few mm of more headroom at rear. In both cases my head touched roof in normal sitting position and I just can not sit upright if I stretch.
5. For the same price (ZXi AT and SV CVT), Ciaz offers many more important features (alloys, push button start, smart key, projectors, parking sensors, camera vs. cruise control, CVT etc).
6. I was not given TD of these but I believe a Honda engine is very famous but a Maruti engine would be good too.
7. Both cars have long waiting periods, personally as I pre-booked Ciaz, I may not have to go through waiting period.
8. Both car dealers have nice staff answering whatever they knew and pointed out advantages over other cars. Of course we knew more from reviews on net.
I hope Maruti Ciaz does not disappoint me. I welcome any more input.
Thanks.