I haven't driven the Swift and the Getz but have owned the Palio so here goes:
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Decent mileage of around 11 kmpl
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you said it's gonna be Bangalore traffic driving. Not sure if even the M800 will return 11 kmpl in that situation! Jokes aside, I'd say it will be a stretch for both the Swift and Getz to return that kinda mileage too. You can forget 11 kmpl in pure hardcore Bangalore traffic with AC from the Palio. The GTX has a bigger, more powerfull engine totally biased towards performance and I'd guess it's heavier then the other two cars you are considering too.
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Good Build and reliability
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I'd say Palio has the best build quality among the three with the Swift having the worst. There is a thread on the poor build in the Swift on this forum. check that out. I don't think reliablity is an issue with any car nowadays unless you are unlucky and end up with a lemon. That could happen with any car maker.
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Smooth gearbox and transmission with a good low end torque for minimal gear changes in traffic
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I'd say GTX engine performs well here. The Palio should be the best performer overall based on engine specs.
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NVH factor should be low in the cabin.
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Depends on how much quietness you want. This is subjective. I can tell you I never had any issues with the Palio. Even when on the move, there was no wind noise near the rear view mirrors or A pillars. Nice, quiet ride. At high rpm's the engine takes a sporty italian rasp but you will love that!
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Should not be superseded by an upgrade very soon
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New Palio coming in Sept Oct though reports say the interiors will not be changed much. Both Maruti and Hyundai or for that matter Japanese and Korean car makers have a habit of launching "all new improved" versions of their cars every few weeks! Compared to that, European car makers have a habit of holding their models looks and features for a longer time.