I guess in Mumbai it should be around 4.7 lks (on road), consult the Car Financing Company regarding 20k addition.
--- Updated Post - Automerged ---
Difference between both is
iRDE is 1.1 ltr which generates 66.7 bhp @5500rpm & VTVT(kappa) is 1.2lts engine which generates 78.9bhp @ 5200...
Newi10 kappa2 (VTVT) engine Magna 1.2 ltr will cost u appx 4.6 lkhs (on road), Ritz and i10 r equally well its just matter of personally choice. For someone Ritz looks r cool and others its just opposite. i10 has better interiors Maruti really sucks when it comes to interiors. Take 2-3 test...
Recently i got an quote of 9k for my Sentro (metallic silver) for fully body paint from a local workshop. For non-metallic colour it should be lesser. But price may differ place to place.