Well, Please take a look at below. All the prices are mumbai ex-show room sourced from Cawale.
Toyota Liva - GD SP Diesel ABS With 2 Airbags
Ex-Showroom Mumbai - 6,62,461
RTO - 79,388
Insurance - 24,773
On Road Price - 7,66,622
Ford Figo - Titanium Diesel ABS With 2 Airbags
Ex-Showroom Mumbai - 6,38,129
RTO - 75,194
Insurance - 23,348
On Road Price - 7,36,671
Maruti Ritz ZDI ABS With 2 Airbags
Ex-Showroom Mumbai 6,69,064
RTO - 76,322
Insurance - 25,855
On Road Price 7,71,241
Nissan Micra XL (O) (ABS with One Airbag)
Ex-Showroom Mumbai - 6,70,818
RTO - 78,790
Insurance - 24,493
On Road Price - 7,74,101
Fiat Punto Dynamic 1.3 (With ABS Only)
Ex-Showroom Mumbai - 6,57,815
RTO - 77,360
Insurance - 24,038
On Road Price - 7,59,213
Honda Amaze 1.5 EMT i-DTEC (With ABS Only)
Ex-Showroom Mumbai - 6,58,597
RTO - 77,446
Insurance - 24,065
On Road Price - 7,60,108
Chevrolet Sail U-VA 1.3 LS ABS
Ex-Showroom Mumbai - 6,22,610
RTO - 75,987
Insurance - 21,615
On Road Price - 7,20,212
All the above cars are 4 cylinder diesel engines. And Most importantly, all the above models except Honda Amaze are coming with good discounts around. So, one would get better deal too at an affordable price. And not to mention whatever the car one may buy, please go and buy insurance from outside, as they would save another 10K too.
P.s: Regarding 3 cylinder engine cars you mentioned, all of them are petrol engines except VW. I ruled out all 3 cylinder diesel engines in my comparisons.