I'd voted for the Creta but they say the only vote that matters is the one you from your wallet! So...
We were looking for a car in the 15-20L segment to replace our ageing Swift, which was primarily driven by my wife. My own 2011 Vento AT is no spring chicken either, but it made sense to get rid of the older car.
This thread was a godsend because any car we buy now would have to be an automatic: my left knee just refuses to take the strain anymore except maybe on Sunday mornings!
The story so far...
Ideally I would migrate to a proper SUV in the Ford Endeavour or Toyota Fortuner mode and I did test drive a 1-year old specimen of the former up for sale in Pune some months ago. But the asking price of 32L still felt too steep for a car that had done 21,000 km already so head won over heart and I let it go. A visit to the Toyota showroom to check out the Fortuner 4x2 AT had the salesman trying to convince my wife that the Crysta AT was perhaps more saheb's style...leading me to hurriedly usher her out on some pretext lest he succeed in his efforts!
The G AT at 21.x L on road in Pune was well within my budget but somehow I didn't want to be driving around town in a minivan- no offence to Crysta owners, it's a personal choice.
That left us with the options listed in this thread: Seltos, Creta, Harrier and Hector. The latter was eliminated first- buying anything so obviously Chinese in 2020 seemed like a dumb idea.
Tata Harrier AT:
I like the Harrier and were I buying it primarily for myself, would have gone for it in a heartbeat. The 2L Fiat engine making 170 horses, the Land Rover platform, the Hyundai AT gearbox all made it a decent proposition...and man...those looks! I think the Harrier looks great in white with those chocolate leather interiors, though some don't. Was warned by many about the niggles of owning a Tata but I may still have gone with it, despite it landing about 3L more expensive than the other two contenders Creta and Seltos.
Called Bafna Motors for a test drive and they very graciously offered me a 4 pm slot that Saturday. Called up half an hour before to confirm I was on my way and was told that the showroom was full and I should come some other time. Off-putting, but I appreciated their honesty and stayed away. The next day we happened to be driving past and decided to chance our luck. The SA told us that the car had been available for a TD the previous day but had now moved on to another dealership. Sharing a 20L test drive car among dealerships seems like a stupid idea but let's not get into that, because apparently everyone does it these days. They were good enough to give us an interior tour and a price list before we left, with a promise that the car would be sent to our place for a TD on a weekday when the demand was lighter.
That alas never happened. Forget a TD, they never even called back to enquire whether I was going to book. I treated it like the proverbial coin toss where you don't see Heads or Tails, just what you were wishing for... and out went the Harrier from contention.
Seltos vs Creta
I'll be honest here...for a long time the Creta was ahead by more than a nose...it was ahead by a whole panoramic sunroof! On paper it was a no contest: who wouldn't want that view in the back seat driving in the ghats towards Goa? Or to gaze at the starry sky when parked outside at night?
We took 2 test drives each of both vehicles, back to back, and realised more and more that the seemingly puffy features of the Seltos- 360 degree camera, front parking sensors, HUD- actually started making sense once you started using them. The best application of the 360 deg camera is IMO the blind spot turn view, which flashes the rear left or right camera view on the dashboard automatically when you switch the respective turn indicator on. In the Creta, you can just as easily switch on the reverse camera and get a similar view but the sheer utility of it in the Seltos makes you want it! Also my wife loved the front parking view with the camera and guiding lines.
To make matters worse for the Creta, we took the first test drive at noon when the sun was sizzling outside and the cabin interior heated up like a greenhouse! We gave it the benefit of the doubt that time, and returned with kids in tow- ah! the allure of that sunroof- but they didn't seem as impressed by it as we expected them to be. Did a final TD of the Seltos- at night to test the headlights- and the kids declared they loved it and the baby sunroof on the Kia was fine as well.
Not that it mattered in the end but the sales experience at Kia (Crystal Auto Baner) was significantly superior to that at Hyundai (Kundan Motors, Bavdhan). The SAs were more knowledgeable, didn't oversell and incredibly responsive to requests for test drives. They even came home at 10 minutes notice to complete the booking formalities and made us a fair offer on the Swift exchange which we ended up accepting.
I would still rate all the cars we considered very highly- there doesn't seem to be a dealbreaker feature among the top end AT variants at least- and would request anyone shopping in this segment to properly TD each car with family before making a choice. I feel most bad about the MG Hector- we didn't even end up taking a TD because it would just not translate into a sale.