L = Lower gears. Steep roads, downhills, etc.
O/D off: Engine does not go the 4th gear. You should keep O/D on for regular use. In any situation that you want to keep power in a reasonable level. O/D off worsens the fuel economy.
Doesn't hurt to sit in an auto gear comfortable car while you are in traffic.
I also read the Kwid underperforms in lower gears so it is more of a car suitable for rural areas with flat lands.
Shan Phetti Kwid eka gaththeth machan park karanna lesi hatchback nisa.hadisiyakata suicide karaganna lesi ne. E athal Japanese wahana walin ganna ba mahaththayo.
So you want to have a better fuel economy but keep using the 95? They don't match up don't you think?
... 95 is not a higher class of petrol and merely prevents knocking and save some fuel ONLY if the cars computer can adjust for it. You might as well flush your money otherwise.