Top 5 4×4 SUVs Under Rs 20 Lakh
Top 5 True 4×4 SUVs Under ₹20 Lakh in India
For Indian consumers seeking genuine off-road prowess rather than just SUV aesthetics, a select group of vehicles under ₹20 lakh (ex-showroom) truly deliver. These SUVs are built on robust ladder-frame chassis and feature proper 4-wheel-drive hardware. Here’s a detailed look at the top 5 contenders: Maruti Suzuki Jimny, Mahindra Thar (3-door), Mahindra Thar Roxx (5-door), Force Gurkha, and Mahindra Scorpio-N 4×4.
1. Maruti Suzuki Jimny (4×4 standard)
Leading the pack in terms of affordability, the Maruti Suzuki Jimny offers an authentic 4×4 experience at a compelling price point.
- Price: Starting from ₹12.76 lakh (ex-showroom).
- Engine & Drivetrain: This petrol-only SUV is powered by a 1.5-litre K15B naturally aspirated engine, delivering and of peak torque. It comes standard with a full-fledged four-wheel-drive system featuring a low-range transfer case. Transmission options include a 5-speed manual and a 4-speed torque converter automatic.
- Off-road Prowess: Thanks to its light body weight and compact dimensions, the Jimny is exceptionally agile and capable of tackling various off-road trails with ease.
The Jimny stands out as the most accessible true 4×4 SUV in India, offering impressive off-road capabilities in a compact package.
- Price & Positioning: ₹12.75 lakh – ₹14.80 lakh (ex-showroom) for Zeta and Alpha variants, available with Manual and Automatic transmissions.
- Engine & Drivetrain: Powered by a 1.5L K15B petrol engine (approx. 103 PS and 134 Nm torque). It features Maruti’s ALLGRIP Pro system with 2WD Hi, 4WD Hi, and 4WD Low, a fully mechanical 4×4 setup. Transmission options include a 5-speed manual or a 4-speed automatic.
- Off-road Credentials: Boasts excellent off-road angles: approximately 36° approach, 50° departure, and 24° ramp-over. Its solid front and rear axles, combined with a light kerb weight and narrow width, make it exceptionally agile on tight trails. Equipped with hill-start/descend assist and an electronic locking differential (on some variants).
- Practical Use: Its compact size makes it ideal for both city driving and navigating narrow off-road paths. Fuel efficiency is respectable at approximately 16.94 km/l for manual and 16.39 km/l for automatic variants.
- Safety: Comes with 6 airbags and electronic stability control, though a global crash test rating is pending.
Pros:
- Most affordable true 4×4 SUV.
- Highly capable and nimble for its size.
- Backed by Maruti’s extensive NEXA service network.
Cons:
- Limited cabin space, especially for five adults.
- Ride quality can be firm.
- Features list is basic compared to larger SUVs.
2. Mahindra Thar (3-door 4×4)
The 3-door Mahindra Thar is an icon in the Indian off-road scene, known for its rugged appeal and robust performance.
The Mahindra Thar 3-Door has cemented its status as one of India’s most popular SUVs, renowned for its rugged charm and impressive 4WD capabilities.
- Price: The 4WD range starts at ₹15.20 lakh (ex-showroom) for the LX petrol MT hard top variant, with diesel 4WD options beginning from ₹16.12 lakh (ex-showroom).
- Engine & Drivetrain: It offers a choice of powertrains: a 2.0-litre mStallion petrol engine and a 2.2-litre mHawk diesel engine. Both engine options are paired with either a 6-speed manual or a 6-speed torque converter automatic gearbox, and come with a capable 4WD system.
- Price & Trims: Diesel 4×4 variants start at around ₹15.20 lakh, going up to ₹17.62 lakh (ex-showroom). Petrol (2.0L turbo) 4×4 variants start from approximately ₹14.48 lakh (ex-showroom).
- Engine & Transmission: Available with a 2.2L mHawk diesel engine (approx. 130 PS, 300 Nm in manual; ~175 PS, 370 Nm in automatic) or a 2.0L turbo petrol engine (approx. 150 PS, 300 Nm or 320 Nm). Both engines offer 6-speed manual or automatic transmission options. Features standard 4×4 with a low-range gearbox, optional rear mechanical locking differential, Brake Lock Differential, hill-start/descend controls, and ESP.
- Off-road Specs: Offers impressive angles: approximately 41° approach, 36° departure, and 27° ramp-over. It has a high ground clearance of around 226 mm and a water wading capacity of approximately 650 mm, supported by a robust ladder-frame chassis and solid front/rear axle setup.
- Lifestyle & Usability: A true off-road legend with bold styling and strong road presence. While excellent for adventures, its 3-door layout limits passenger versatility, seating four occupants.
Pros:
- Iconic off-roader with genuine 4×4 capabilities.
- Wide range of engine and transmission choices.
- Proven reliability and strong service network.
Cons:
- Ride quality can be bumpy on paved roads.
- 3-door configuration limits rear passenger access.
- Higher automatic diesel trims can exceed the ₹20 lakh mark (on-road).
3. Mahindra Thar Rox (5-door variant)
The 5-door Thar Roxx aims to blend the Thar’s legendary off-road DNA with enhanced practicality and comfort for a wider audience.
- Price & Versions: The MX5 Diesel MT 4×4 variant is priced around ₹19.08–19.39 lakh (ex-showroom).
- Drivetrain: Features similar drivetrains to the 3-door Thar, including the 2.2L diesel engine (approx. 152 PS/330 Nm in manual, 175 PS/370 Nm in automatic). Comes with a full 4×4 low-range system and locking differentials, paired with a 6-speed transmission.
- Capability & Space: Offers significantly improved rear-seating room compared to the 3-door model. While off-road angles are slightly reduced, it remains highly capable. Higher trims include upgraded features like a touchscreen infotainment system, more airbags, and TPMS.
Pros:
- Combines the Thar’s off-road prowess with 5-door practicality.
- Richer feature set and better rear passenger access.
- Still available under the ₹20 lakh ex-showroom price point for certain 4×4 variants.
Cons:
- Slightly less maneuverable than the 3-door Thar.
- Ride quality remains on the firmer side.
- Rear seat space, while improved, might not be as generous as larger SUVs like the Scorpio-N.
4. Force Gurkha (3-door & 5-door)
The Force Gurkha is designed for serious off-road enthusiasts, prioritizing extreme capability over creature comforts.
- Pricing: Gurkha 4×4 starts at ₹16.75 lakh (ex-showroom Mumbai) for 5-door variants, with 3-door variants in a similar range up to ₹18 lakh.
- Engine & Hardware: Powered by a 2.6L turbo diesel engine (approx. 140 bhp, ~250 Nm). Its core strength lies in its hardcore 4×4 system, which includes a factory-fitted snorkel, triple locking differentials (front, center, and rear), and solid axles. It is only available with a 5-speed manual transmission; no automatic option.
- Off-road Muscle: Features excellent off-road angles: approximately 37° approach, 25° departure, and 205 mm ground clearance. Its rugged steel wheels and hardy suspension make it formidable in extreme conditions like mud, river crossings, and challenging terrain.
Pros:
- Purpose-built for hardcore off-roading.
- The 5-door variant adds practical usability.
- Ideal for remote expeditions and demanding environments.
Cons:
- Engine can feel underpowered relative to the vehicle’s weight.
- Spartan interiors with minimal comfort features.
- Service and support network are more limited compared to mainstream brands.
5. Mahindra Scorpio-N 4×4 (Diesel Z4 variant)
The Mahindra Scorpio-N 4×4 offers a compelling blend of family-friendly practicality and genuine off-road capability, making it a versatile choice.
- Price & Trim: The Scorpio-N Z4 4WD diesel MT variant is priced around ₹18.35 lakh (ex-showroom).
- Engine & Capabilities: Equipped with a potent 2.2L mHawk diesel engine (approx. 175 PS, 400 Nm torque). It features a shift-on-the-fly 4WD system, electronic differential lock, and all-disc brakes. Paired with a 6-speed manual gearbox.
- Space & Comfort: A spacious 6-7 seater SUV, designed to accommodate families comfortably. Offers features like rear AC vents, cruise control, and an 8-inch infotainment system. Provides a refined ride on tarmac and is capable on rough roads, though less extreme off-road ready than the Thar or Gurkha.
Pros:
- Family-friendly true off-roader with seating for up to 7 occupants.
- Powerful engine and a good balance of comfort features.
- Offers the best blend of space, power, and capability under ₹20 lakh.
Cons:
- Only available with a manual gearbox in the 4×4 variant under ₹20 lakh.
- Its larger size makes it bulkier and less suited for very tight off-road trails compared to the Jimny or 3-door Thar.
- On-road pricing for the 4×4 variant can push slightly above ₹20 lakh in some cities.
Summary Table
Feature-Wise Insights
- Engine & Powertrain: The Scorpio-N leads in raw power and torque (). Thar variants offer a good balance of diesel and petrol options with robust drivetrains. The Jimny‘s petrol engine is peppy but has lower torque, suitable for lighter trails. The Gurkha‘s engine, while reliable for off-roading, might feel strained on highways.
- Seating & Practicality: The Scorpio-N is the most family-friendly option with its 7-seater configuration. The Thar Roxx provides a much-needed 5-door layout for improved accessibility. The Jimny and 3-door Thar are best suited for up to 4 occupants. The Gurkha offers ruggedness but with limited interior amenities.
- Off-road vs. City Balance: The Jimny is the most nimble for both tight trails and urban commuting. The Thar, Gurkha, and Thar Roxx are dominant off-roaders but can feel somewhat bouncy on paved roads. The Scorpio-N offers the smoothest ride on highways while still providing credible mild off-road capability.
- Features & Comfort: The Scorpio-N is well-equipped with modern creature comforts and technology, including cruise control and advanced infotainment. Higher trims of the Thar Roxx also add features like a touchscreen and more airbags. The Gurkha is minimalist, while the Jimny offers basic but reliable features.
- Safety: The Jimny comes with 6 airbags and ESC. The 3-door Thar has a 4-star Global NCAP rating for its diesel manual variant. The Gurkha has limited airbags and no official crash test rating. The Scorpio-N is fortified with ESP, all-disc brakes, and multiple airbags, with specific airbag counts varying by trim.
Buyer Guidance: Which SUV Should You Choose?
- Choose Maruti Jimny if you want:
- An entry-level, affordable, and fun off-road experience.
- A compact and nimble SUV for both city and light trail use.
- Reliable support from Maruti’s NEXA network.
- Choose Mahindra Thar (3-door) if you want:
- An iconic off-road legend with strong capabilities.
- A wide choice of diesel or petrol engines, and manual or automatic transmissions.
- A lifestyle SUV for weekend adventures and a bold statement in the city.
- Choose Mahindra Thar Roxx (5-door) if you want:
- The ruggedness of the Thar combined with practical rear access.
- Richer features in a usable package, while staying under ₹20 lakh (ex-showroom).
- Choose Force Gurkha if you want:
- A hardcore, trail-capable SUV built for remote exploration.
- A classic steel build and exceptional off-road angles for serious off-roaders.
- Choose Mahindra Scorpio-N 4×4 if you want:
- A spacious, family-size SUV with genuine off-road backup.
- Long-distance comfort, ample space, and modern tech features.
- Strong diesel power and seating for 6-7 occupants.
Real-World Use Cases
- Daily Urban Use: The Jimny is the easiest to park and drive in congested urban environments. The Scorpio-N offers a more spacious and comfortable ride for daily commutes.
- Highway & Family Travel: Both the Scorpio-N and Thar Roxx are well-suited for long trips, with the Scorpio-N taking the lead in terms of comfort and overall refinement.
- Off-Road Adventure: The 3-door Thar and Gurkha are the undisputed champions for challenging trails. The Jimny also excels on lighter off-road paths.
- Weekend Lifestyle & Cool Factor: The Jimny and Thar Roxx both offer strong visual appeal and a unique lifestyle statement. The Scorpio-N exudes a commanding presence as a full-size SUV.
Final Considerations
- Availability & Waiting Periods: The Jimny and Thar typically have longer waiting periods due to high demand. The Gurkha might have limited supply, while the Scorpio-N is moderately available.
- Fuel & Running Costs: Diesel versions (Thar, Gurkha, Scorpio-N) are generally more economical for long-distance driving. The petrol-only Jimny, while cleaner, might be thirstier for extensive use.
- Resale & Support: The Thar and Scorpio-N benefit from strong resale value and Mahindra’s widespread service network. The Gurkha’s service support is more limited, while the Jimny is backed by Maruti’s extensive NEXA service footprint.
Conclusion
India’s market for true 4×4 SUVs under ₹20 lakh is specialized but offers high-quality options:
- Maruti Suzuki Jimny: Unmatched value for compact, real-trail fun.
- Mahindra Thar (3-door): Iconic, rugged, and highly capable.
- Mahindra Thar Roxx (5-door): Practicality meets off-road DNA.
- Force Gurkha: For the ultimate off-road purists.
- Mahindra Scorpio-N 4×4: Family-friendly, spacious, and confidently capable.
Your choice should align with your primary use case – be it urban comfort, extreme off-road ruggedness, family travel, or a lifestyle adventure. Each of these SUVs presents clear strengths and minor trade-offs, solidifying their positions as the top 5 true 4×4 SUVs available in India under ₹20 lakh today.
Top 5 True 4×4 SUVs Under ₹20 Lakh in India
The Indian automotive market has seen a surge in SUVs, but most are front-wheel-drive vehicles built on a monocoque chassis, blurring the lines of what constitutes a “true” SUV. For enthusiasts seeking genuine off-road capability, a true SUV is defined by its rugged ladder-frame chassis and a proper four-wheel-drive system designed to conquer challenging terrains. Here, we delve into the top 5 four-wheel-drive SUVs available in India under ₹20 lakh (ex-showroom).
1. Maruti Suzuki Jimny
Leading the pack in terms of affordability, the Maruti Suzuki Jimny offers an authentic 4×4 experience at a compelling price point.
- Price: Starting from ₹12.76 lakh (ex-showroom).
- Engine & Drivetrain: This petrol-only SUV is powered by a 1.5-litre K15B naturally aspirated engine, delivering and of peak torque. It comes standard with a full-fledged four-wheel-drive system featuring a low-range transfer case. Transmission options include a 5-speed manual and a 4-speed torque converter automatic.
- Off-road Prowess: Thanks to its light body weight and compact dimensions, the Jimny is exceptionally agile and capable of tackling various off-road trails with ease.
2. Mahindra Thar 3-Door
The Mahindra Thar 3-Door has cemented its status as one of India’s most popular SUVs, renowned for its rugged charm and impressive 4WD capabilities.
- Price: The 4WD range starts at ₹15.20 lakh (ex-showroom) for the LX petrol MT hard top variant, with diesel 4WD options beginning from ₹16.12 lakh (ex-showroom).
- Engine & Drivetrain: It offers a choice of powertrains: a 2.0-litre mStallion petrol engine and a 2.2-litre mHawk diesel engine. Both engine options are paired with either a 6-speed manual or a 6-speed torque converter automatic gearbox, and come with a capable 4WD system.
3. Force Gurkha
Designed for the serious off-roader, the Force Gurkha is a no-nonsense vehicle available in both 3-door and 5-door configurations.
- Price: The Gurkha 3-Door is priced at ₹16.75 lakh (ex-showroom), while the 5-Door model starts at ₹18 lakh (ex-showroom).
- Engine & Drivetrain: It runs on a 2.6-litre diesel engine that generates and of peak torque. This SUV is exclusively available with a 5-speed manual gearbox.
- Off-road Equipment: The Gurkha is heavily equipped for extreme terrains, featuring a factory-fitted snorkel for an impressive water wading capacity, along with manual differential locks on both axles.
4. Mahindra Scorpio-N
The Mahindra Scorpio-N stands out as the only 7-seater SUV on this list offering a 4WD system under ₹20 lakh, blending family utility with off-road potential.
- Price: The Z4 4WD variant is priced at ₹18.35 lakh (ex-showroom) and comes with a 6-speed manual gearbox.
- Engine & Drivetrain: Powering the Scorpio-N is a 2.2-litre mHawk turbo diesel engine, producing a robust and of peak torque. It features a four-wheel-drive setup; however, the Z4 4WD variant notably misses out on a low-range transfer case, making it more suited for moderate off-roading rather than extreme challenges. The 4WD system is exclusively available with the diesel engine option.
5. Mahindra Thar Roxx
The third Mahindra model to make this list, the Thar Roxx, offers the renowned Thar capabilities in a more practical 5-door format.
- Price: The 4WD range starts from ₹19.39 lakh (ex-showroom) for the MX5 diesel manual variant.
- Engine & Drivetrain: Similar to the Scorpio-N, the Thar Roxx offers 4WD exclusively with its diesel engine option. It utilizes the familiar 2.2-litre mHawk diesel engine, tuned to deliver and of peak torque, mated to a 6-speed manual gearbox. While the 6-speed torque converter automatic gearbox is available, it is offered on top-spec trims that may push the price beyond the ₹20 lakh threshold for 4WD.
READ MORE –CLICK HERE
MORE INFORMATION –CLICK HERE
✅ Conclusion
In a market where SUVs are often chosen for their visual appeal rather than genuine off-road capability, the demand for true 4×4 machines under ₹20 lakh remains niche but significant. Enthusiasts, adventure seekers, and rural commuters all look for a capable vehicle that doesn’t just stand tall but can also climb, crawl, and conquer India’s toughest terrains.
The good news is, even within a budget of ₹20 lakh, manufacturers have created purpose-built 4×4 vehicles that balance rugged capability with urban practicality. Each of the Top 5 4×4 SUVs under ₹20 lakh—the Mahindra Thar, Force Gurkha, Maruti Suzuki Jimny, Mahindra Scorpio N 4×4, and Isuzu D-Max V-Cross—delivers a unique flavor of off-road performance, design, and day-to-day usability.
The Mahindra Thar has led the revival of lifestyle off-roaders in India. With its youthful design, impressive diesel and petrol engines, multiple drive modes, and solid 4×4 system with low-range gearbox, it’s the most versatile in the list. It’s equally at home navigating rocky trails or navigating metro traffic.
The Force Gurkha, on the other hand, is the purist’s dream. Its mechanical front and rear differential locks, snorkel, and ladder-frame chassis make it ideal for overlanding, river crossing, and true exploration. However, its slow speed, utilitarian interiors, and lack of creature comforts make it a tough sell to the average buyer.
Then there’s the Maruti Suzuki Jimny, a recent entrant in India but a legend worldwide. Compact in size but big on capability, the Jimny is the only true 5-door sub-4m 4×4 SUV in the country. Its lightweight design, rigid axle suspension, and AllGrip Pro 4×4 system make it a great off-road companion, especially for those living in hill stations or planning long road trips.
The Mahindra Scorpio N 4×4 brings something unique to this mix—modern comfort and premium interiors with rugged off-road ability. Its shift-on-fly 4×4, terrain modes, and body-on-frame build give it excellent trail capabilities, while its road manners and 7-seater configuration make it practical for families too.
Lastly, the Isuzu D-Max V-Cross bridges the gap between SUV and pickup. With a large cargo bed, muscular looks, solid off-road kit, and bulletproof diesel engine, it’s ideal for those who want utility, adventure, and attention—all rolled into one.
In conclusion, buying a 4×4 SUV under ₹20 lakh today doesn’t mean sacrificing comfort or performance. Thanks to these five capable contenders, Indian customers now have more options than ever to explore the country’s trails, mountains, and remote destinations without breaking the bank.
If your budget is tight and you’re a solo explorer, go for the Jimny. If you’re looking for all-round performance and street presence, the Thar or Scorpio N 4×4 should be your pick. For hardcore off-roaders, the Gurkha remains unmatched. And for those who need both space and strength, the V-Cross delivers in spades.
Choose the one that best matches your driving personality, lifestyle needs, and long-term ambitions—and enjoy the thrill of true 4×4 adventure on a budget.
❓ FAQs
🔹 1. Which is the most affordable 4×4 SUV under ₹20 lakh in India?
Answer:
The Maruti Suzuki Jimny is currently the most affordable 4×4 SUV in India. Prices start around ₹12 lakh (ex-showroom), making it accessible for entry-level buyers.
🔹 2. Is the Mahindra Thar suitable for daily driving?
Answer:
Yes, the Mahindra Thar is suitable for daily use, especially in its automatic variants. The updated model offers improved ride quality, better NVH levels, and modern infotainment. However, rear seat access and boot space remain limitations.
🔹 3. Does the Force Gurkha come with an automatic transmission?
Answer:
No, the Force Gurkha is only available with a 5-speed manual transmission. It is designed for serious off-roading, and a manual gearbox offers better control over power delivery in rugged terrain.
🔹 4. What makes the Scorpio N 4×4 different from the Scorpio Classic?
Answer:
The Scorpio N 4×4 features more premium interiors, better ride dynamics, and modern features like terrain modes, shift-on-fly 4WD, and touchscreen infotainment. The Scorpio Classic, on the other hand, is more basic and doesn’t offer a 4×4 option currently.
🔹 5. Is the Isuzu V-Cross a good family car?
Answer:
Yes and no. While the V-Cross offers comfortable interiors, safety features, and road presence, its large size and limited rear seat angle may not suit every family. However, it’s excellent for those who want a dual-purpose car: family + business utility.
🔹 6. Which SUV among the five has the best fuel efficiency?
Answer:
The Jimny with its 1.5L petrol engine and lightweight build delivers the best real-world mileage among the five, offering around 14–16 kmpl in mixed conditions.
🔹 7. Can I use the Thar or Jimny for long-distance highway travel?
Answer:
Absolutely. The latest Thar and Jimny are both highway-capable. The Thar’s diesel torque makes highway cruising easy, while the Jimny’s comfort has improved, although it may feel underpowered at triple-digit speeds.
🔹 8. Which SUV offers the best off-road features for the price?
Answer:
The Force Gurkha stands out with front & rear mechanical differential locks and snorkel as standard. However, the Thar and Jimny also offer solid 4×4 systems with low-range gearboxes and excellent articulation.
🔹 9. Do all these SUVs come with 4×4 as standard?
Answer:
No. While Force Gurkha and Jimny offer 4×4 as standard across all variants, Thar and Scorpio N offer it in select trims. The V-Cross offers 4×4 in its higher-spec variants.
🔹 10. Are these SUVs good for Leh-Ladakh or Spiti Valley road trips?
Answer:
Yes, all five are well-suited for high-altitude road trips. The Thar, Gurkha, and Jimny are especially agile in mountain passes. The V-Cross and Scorpio N offer more cargo and passenger space for such adventures.
🔹 11. Which SUV is easiest to maintain among the top 5?
Answer:
The Maruti Suzuki Jimny has the lowest maintenance cost due to Maruti’s widespread service network and low-cost parts.
🔹 12. Are there petrol engine options available in these SUVs?
Answer:
Yes, both Thar and Jimny are offered with petrol engines. Gurkha and V-Cross come only with diesel, while Scorpio N offers both petrol and diesel (but 4×4 is diesel only).
🔹 13. Do any of these SUVs support modifications or aftermarket upgrades?
Answer:
Yes. The Thar, Jimny, and Gurkha have active aftermarket support in India. Lift kits, off-road tyres, bumpers, roof racks, snorkels, and lighting upgrades are widely available.
🔹 14. Which SUV offers the best value for money in this segment?
Answer:
The Mahindra Thar hits the sweet spot with its balance of price, performance, brand appeal, and features. It also has high resale value.
🔹 15. Are there any upcoming 4×4 SUVs under ₹20 lakh I should wait for?
Answer:
Yes, models like the 5-door Thar, Gurkha 5-door, and possibly Tata Sierra EV AWD are expected soon. If you’re not in a hurry, waiting might bring more options in 2026.
