Requirements:
Body type: Hatchback
Fuel Type: Diesel
Engine capacity: 1.2 or more
Mileage: 15-18 or more
Seating capacity: 5 with combination of 5’-8” & 6’-0” either driving or seating behind
Boot space: at least 250 ltrs
Features:
AutoCC: Preferred
All power Windows with child lock,
Power steering ( tilt & telescopic adjustment would be added advantage)
OEM music system: Preferred with AUX/USB/BT
Budget: 5.5 to 6.5 lacs
As per ACI, on road price at Mumbai:
Figo (Titanium): 6.5
Punto 1.3 E : 6.94
Vista 1.3 Aura+ABS: 6.20
Swift (old) Vdi ABS : 6.28 (new one expected to breach 6.5L mark)
Among these Punto might have some serious scheme going for it (one is petrol vs diesel offer). At my place dealer is offering around 50k off (insurance+ corporate+accessory etc.). So we should check the price with dealer.
Swift will attract a huge waiting period and you should take this factor into account. Additionally old swift was bit cramped (boot=232L) and I am not sure how much this issue has been addressed in new iteration.
Figo has many things going for it except for rear power window and steering adjust.
Looking at your requirements, I will request you to TD new Vista. On paper it has many thing going for it. But only a TD can give you the proper picture.
Lastly, one thing for sure: no car will satisfy all your requirements to the T. Its like an marriage, you have to adjust with the shortcoming for enjoying the positives.