The extended warranty i bought for 13k also offered 10w-40
but later i get to know that i cund have opted for EW which has 0w-20 for 16k.
Yes, there is very minor difference in fuel consumption due to oil grade which does not justify the cost.
However, there is a difference in acceleration and response which might justify the high cost of oil.
But agian, its a budget car, so expecting high performance should not be a question in first place.