Have you considered a Stingray ?
I had the same conundrum two years ago (a broke junior doctor,, permit in two years time) ,,I got a Suzuki Stingray ,, which is a kei car ,, has a tall structure, heaps of space,, and allegedly 34km/l hybrid ,,(mine does around 20 in the hill country) ..
It has all the fancy stuff like,, lane departure warning, Lazer brakes, etc etc ..
I bought mine brand-new 2018 Stingray for 33lakhs ,,
But I know the government hiked the prizes ,, but still I think you'll be able to get a good deal .. Also keep in mind there are a few variants ..
1) Stingray 4wd turbo (don't buy)
2) wagon R Stingray
3) wagon R fz
4) wagon R safety
5) wagon R non safety
And last and the least the A*W one...
Check the Facebook page wagon R owners club for more details.. .
Personally I'm thrilled with my wagon R .. and just like me ,, after a two year stint once you get the permit you can aim for something really hot ..