@ Testdrive : Every one on this forum will undoutedly advise you for the 90 HP Punto. This is also fact that the Punto is the best hatch in town. My friend, since you are already paying 45-50% of your salary for home loan and you have a six month old baby, my advise would be to hold your emotions for the time. First get your finances right before you take a plunge into another loan. There is no point into putting yourself neck-dip into loans/borrowings at this stage of your life. Go for a MS Alto (which would be half the price of Punto, and also will give you reasonable resale value after say 2 years or so) for maybe two years. In the meantime make some savings and manage your finances well so that you can buy the car of your desire. Keep your desire for FIAT burning in your heart.