Of the three, we’d recommend the Citroen C3X. It’s the nicest to drive, thanks to its excellent 1.2-litre turbo-petrol engine and smooth 6-speed torque-converter automatic - a combination that feels far more refined and responsive than the 1.2-litre naturally aspirated engines and AMT gearboxes in the Tata Punch and Hyundai Exter. The C3X doesn’t match the Punch’s five-star crash-test rating, but since your driving is mostly at low city speeds, its compliance with current Indian safety norms should be adequate.
The only drawback is Citroen’s limited service network, which isn’t as extensive as Tata’s or Hyundai’s. That said, Citroen cars have proven to be reliable and well-engineered, so maintenance shouldn’t be a major concern. 
