It's good to see you opt for safety features even in hatchbacks. The Swift ZXi is a good choice, as it comes with a comprehensive set of safety equipment plus other neat features. However, if you want to opt for the diesel version, the Swift VDi comes with ABS as an option, but sadly no airbags. But the diesel Swift is very economical and is great fun to drive as well. On the other hand, the Fabia will be priced at around Rs 6 lakh or more, so it may go over your budget. We are sure Skoda will introduce it with comprehensive safety features. Since you are making your purchase only in January, suggest you hold on till then, as the Fabia will be introduced with both petrol and diesel options. As for the large car, the Civic is a good choice