Yes, it is worth enough to buy a second-hand Honda Civic for INR 3.20 lakhs. You should take care of some key points before finalising the car like distance travelled till date, age of the car (if the car is older than 3 years, it will cause you difficulty when you apply for car finance), vehicle history papers and insurance papers. There is one more thing to take care of that, the car should be used by single owner. Car used by multiple owner effects its mileage and performance.