India’s diverse terrain calls for tough, capable vehicles. If you’re an adventure lover or live in regions with challenging roads, a 4×4 SUV is a smart choice. Here are the top 5 budget-friendly 4×4 SUVs under ₹20 lakh that don’t compromise on ruggedness.

1. Mahindra Thar 4×4

Price Range: ₹11.25 – ₹17.60 lakh (ex-showroom)
Fuel Options: Petrol & Diesel
4×4 Type: Shift-on-the-fly 4WD with low-range transfer case

Key Highlights:

• Iconic off-roader with a cult following
• Available in both petrol and diesel, with manual and automatic gearboxes
• Features like locking rear differential, brake locking diff, and ESP with rollover mitigation
• Optional hard top, soft top, or convertible roof
• Water wading capacity: 650 mm
• Ground clearance: 226 mm

Why Buy: Perfect blend of lifestyle, capability, and daily usability.

2. Maruti Suzuki Jimny 4×4

Price Range: ₹12.74 – ₹14.95 lakh (ex-showroom)
Fuel Type: Petrol
4×4 Type: AllGrip Pro 4WD with low-range gearbox

Key Highlights:

• Compact, lightweight, and highly agile off-roader
• Solid ladder-frame chassis with 210 mm ground clearance
• 1.5L K15B petrol engine with 5-speed manual or 4-speed automatic
• High approach and departure angles
• Dual-purpose as an urban and off-road vehicle

Why Buy: Great for those who want a pure 4×4 in a smaller, practical package.

3. Force Gurkha 4×4

Price Range: ₹16.75 lakh (ex-showroom)
Fuel Type: Diesel
4×4 Type: Manual 4WD with low-range transfer case and front/rear locking differentials

Key Highlights:

• Built like a tank with unmatched off-road credentials
• Mercedes-sourced 2.6L diesel engine
• Factory-fitted snorkel, 700 mm water-wading capacity
• Manual locking front and rear differentials for serious off-roading
• Rugged and purposeful design

Why Buy: The best option for hardcore off-roaders on a budget.

4. Mahindra Scorpio Classic (With Rear-Wheel Drive)

Note: Not a 4×4 but worth mentioning for buyers seeking rugged body-on-frame capability. The upcoming Scorpio N Z4 4×4 Diesel variant might drop near ₹20L.

Price Range: ₹13.25 – ₹17.00 lakh
Fuel Type: Diesel
Drivetrain: RWD, ladder-frame

Why Consider: Though not a 4×4, it’s built for tough conditions and rural usage.

5. Tata Harrier / Safari Adventure Editions

Note: These don’t currently offer 4×4 but Tata is expected to introduce AWD or 4×4 in the next-gen models.

However, a true 4×4 alternative from Tata in this price range is still awaited.

Upcoming & Honorable Mentions:

• Mahindra Scorpio-N 4×4 (Z4 variant): Expected to fall under ₹20 lakh with rugged 4×4 features
• Isuzu D-Max Hi-Lander 4×2: Not a 4×4, but built for tough utility
• Tata Sierra EV (2025): May offer AWD, pending confirmation

🏁 Final Verdict

✅ Recommendation:

• Best All-Rounder: Mahindra Thar
• Most Affordable 4×4: Maruti Jimny
• Best Pure Off-Roader: Force Gurkha