Hello Nishant,
A similar discussion on model choices b/w Riyz and Swift has happened before, you can refer previous thread on :-
Ritz or Swift
Also, in terms of Ritz Vxi (Middle Variant) and Swift Base Model Lxi
Be aware that Swift base model comes with limited feature of AC, Power Steering, Tilt Adjustable Steering, Body Colored Bumper and Immobilizer
However Ritz Vxi has an edge with additional features :- All 4 Door Power Window, Central Lock
(though Manual), Fog Lights in both front and rear, Electric Adjustable ORVM, Fabric Insert on Door Trim
You may refer the given url thread and make a call accordingly.