Hi Kaushik, The ground clearance of the current Honda Civic model is 170mm, which is considerably higher when compared to the previous models of Honda Civic models. The main reason behind increasing the ground clearance is its considerably soft suspension system, due to which it used to scrap on speed breakers. Thanks,
Honda recently discontinued the Civic in India, however you can buy a used Civic. You can visit our, used car section, where you can find good deals- http://www.cardekho.com/used-honda-civic+cars
Well, it is quite early to reach on any conclusion, whether the service network you visited provided you the correct information or not. We would suggest you to search for another service station, if it also gives you the similar advice then it would be better to repair your car. Their could be multiple reasons behind the noise coming out from your car's engine such as badly aligned camshift belt, faulty front brakes pad, and not so proper felt belt.