Fine-tuning multilingual ASR models like Whisper for low-resource languages often improves read speech but degrades spontaneous audio performance. To diagnose this mismatch, we introduce Vividh-ASR, a complexity-stratified benchmark for Hindi and Malayalam across four tiers: studio, broadcast, spontaneous, and synthetic noise. Through a controlled study of learning-rate timing and curriculum ordering, we find that early large parameter updates improve global WER by 12 absolute points, while a hard-to-easy curriculum adds gains for spontaneous speech. These findings motivate reverse multi-stage fine-tuning (R-MFT), a training recipe that enables a parameter-efficient 244M Whisper model to match or exceed conventionally fine-tuned 769M counterparts. Representational analysis via CKA and SVD reveals effective schedules concentrate adaptation in the decoder, preserving the pre-trained encoder's acoustic geometry. We release the benchmark and models.

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