Hello Rishav ji,
Happy Diwali
As you seek a Minimum 4 Star Car in Safety with defined Features List, somehow your options would be limited to Tata Motor Cars only in terms of :-
> Tiago Top Model
> Punch Middle Model
> Altroz
as the only one whos going to offer you Safety with Features
Else at this price point in budget - you get Honda Amaze base model but with very limited features.
As your usage to be very low at just 70 Kms a week - mileage would definite be insignificant factor
Basis concern as specified of Altroz XM Plus
> Engine
> Electricals reliability
> Tata's after sales support
Let me start with Engine: Coming to engine refinement, NVH - although you specified as not relevant but new age BS6 Phase2 1.2 Litre Revotron petrol engine of Tata Motors is like 50% better in terms of NVH Levels as against BS4 Engines car used to get in 2018 - 2019.
In City usage - be assured this is much live-able now and significantly better at lower end too in day to day drive.
Adding on this Revotron Engine is now almost 9 yrs old as was first introduced in Bolt, Zest in Turbo charged form, later on replaced with Naturally aspirated one in Tiago, Tigor from 2016 onwards and has got many silent and major enhancements in last 7 yrs
So much so that this Engine has ironed out near almost all niggles and is in very reliable form in terms of
a. Pickup
b. Refinement improvements in last 7 yrs
You really do not need to worry about reliability aspect, only thing is timely replacement of Engine Oil as per service schedule (Tata recommend bi-annual service with annual replacement of Oil, Filters)
Additionally - to our observation Air filter should be cleaned every 6 months / and replaced every 2 yrs to get the best of this car engine.
Electrical Reliability: Lets admit that Tata is not the benchmark, but still is considerably improved
You cant rule out minor niggles - but they wont be deal breaker as product is much matured now with many similar parts used in Tiago - Altroz.
For instance Touchscreen responsiveness may not be great but still in terms of Power Window functionality, central lock, driving you wont have issues.
Tata After sales Support: Much improved basis fact that Tata is now addressing to elite audience of 20 to 25 Lakh budget too in terms of Harrier, Safari, Nexon EV Max, and you staying in Bangalore which is Tier-1 city having multiple Tata Motor dealer outlet in terms of competition and customer service - dont think it would be an issue in your city.
Lastly -
Altroz XM Plus lacks rear view camera, if you seek same may check out
Punch Adventure Rhythm
Hope should help !!