Given your concern for good ground clearance and budget, the Tata Nexon petrol is the best fit. It has a ground clearance of 209mm, among the highest in the compact SUV segment and some amount of underbody protection and a tough suspension. It makes it suitable for waterlogging and bad roads in the monsoons.
The Nexon 1.2 turbo petrol is well-suited for your 200 km per month city use, occasional long trips and concern about waterlogging. Several petrol variants fall within the 12-lakh on-road budget you have, and there are discounts available too.

