None of these will do 12 in the city. Viva might come close and might even hit 12.110 usually does 8 or 9. K10 is not very efficient either.
Resale value is a myth. If the government increases tax on a particular category of cars tomorrow, then the resale value goes up. If the govt reduces taxes, resale value will plummet.
Resale value is not value for money. Value for money is when you get a better car for cheaper price. For example, 110 and lancer cs1 or a civic may cost the same and the lancer and the civic is more value for money than the 110 due to options and comfort.