Mahindra Xuv 3Xo vs BMW M Models

What's the difference?

The fact this is Australia’s cheapest SUV is a massive feat for the Indian brand. It also has so much standard kit so this is even more surprising.

In many ways the XUV 3XO is better to drive than its rivals. The three-cylinder turbo engine has plenty of charm and moves this car along with ease, the car feels confident and composed out on the open road, and there aren’t any bings and bongs from intrusive safety systems.

However, things aren’t perfect. I wish the steering column offered reach adjustment, the steering feel wasn’t so inconsistent and the lane-keep assist wasn’t so hands-on.

If you can overlook these quibbles, this tiny Mahindra is an outstanding value buy if you’re considering a first new car.

Note: CarsGuide attended this event as a guest of the manufacturer, with meals provided.

Brutal, bruising and utterly brilliant, the M4 CS will be an acquired taste due to its no-compromise approach, but those willing to take the leap will find a performance car like few others at their disposal.

From outside it’s surprising just how small this SUV is. At just under four metres long, the XUV 3XO is shorter than a Mazda2, for example.

The reason for this is because in India there are tax breaks for vehicles under four metres long. The Ford EcoSport, sans the tailgate-mounted spare wheel, was another SUV that met this requirement.

As a result of being so short, this has made the rear overhang virtually non-existent. It’s a strange look, especially because the bonnet is so much longer.

Even though the XUV 3XO is based on the KGM Tivoli (formerly SsangYong Tivoli), which was briefly sold in Australia, you’d be hard-pressed to find visual similarities. The former looks more modern from the outside and has more visual interest with the chunky wheel-arch cladding and diamond motifs.

At the front it’s hard to not see the face of a sad panda. The LED headlights are big and plunge down the front fascia, giving it a droopy and sleepy appearance. It’s not helped by the thick black bar connecting them.

Around the side the diamond-cut alloy wheels are a nice touch, along with the contrast black-painted roof on this AX7L tester.

The rear end is a little on the flat side, though the badging is tasteful. I’m not a fan of the full-width LED light bar, however, as it’s an overdone design cue now.

Inside I appreciate the mix of both old-school and new-school. There are dual 10.25-inch screens ahead of the driver for the digital instrument cluster and touchscreen multimedia system, as well as plenty of physical buttons and knobs for shortcuts and the climate controls.

For such an affordable car I’m surprised how many soft-touch finishes there are in this car. In the AX7L you get an extended use of synthetic leather on the door cards and dashboard, which helps make for a pseudo-premium look and feel.

However, one of my biggest gripes with the XUV 3XO interior is the amount of glossy piano black. It’s on the dashboard, centre console, door cards and even the steering wheel.

This may look cool and slick when you pick the car up from the dealer, but it shows up dust quickly and then gets scratched when you try to wipe it clean. Our tester had fewer than 1000km on the odometer and the centre console was already scratched to the wazoo.

The M4 CS is familiar in all the right ways, but definitely looks significantly jacked up compared to its lesser siblings.

Part of that is the extensive use of carbon everywhere, from its bonnet panels to its roof, front lip, side skirting and boot spoiler. But also because of its super-muscular angles and creases, including the huge dome in its bonnet.

Also exclusive to this M4 CS is the light treatment, with the front LEDs lighting up with yellow highlights the brand says are supposed to be reminiscent of GT racing cars.

At the back, the rear lights are flush with fibre optic lighting, lending a flowing and unique light signature that looks epic at night.

Inside, it's a sea of carbon, with the lightweight racing seats, the dash inserts and the centre console all lined in it. It is a perfectly finished space, though, and one that's also flecked with red, including a 12 o'clock band on the thick-rimmed steering wheel, the seat backs, the contrast stitching and the paddle shifts.

Be warned, though, it takes some acrobatics to climb into or out of the CS. The seat bottoms have these super high edges that double as grab handles, but require some awkward contortions to navigate.

In short, it looks angry, this M4 CS, inside and out.

Given this SUV is tiny, I’m blown away at how much interior space it has.

Up front both the seats are manually adjustable, which is to be expected at this price point. Despite this, they’re still comfortable and offer an elevated driving position which is something SUV buyers seek.

In front of the driver is a leather-wrapped steering wheel which feels nice in the hand. While it offers tilt adjustment, it disappointingly doesn’t have reach adjustment. This is frustrating if you’ve got long legs and short arms, like myself.

The 10.25-inch digital instrument cluster has an overall dark and minimal look, but you can cycle through a range of informative views. There’s even one that allows you to display a full-width map.

Moving across, the 10.25-inch touchscreen multimedia system appears to be snappy enough. I’ve experienced fewer glitches in this car than in previous Mahindras I’ve driven.

I like the physical shortcut buttons underneath the touchscreen because it allows you to jump around to key sub-menus a lot easier.

As standard there’s both wired and wireless Apple CarPlay and Android Auto connectivity. With my iPhone 15 Pro Max the connection was flawless and only dropped out during known interference points.

This AX7L spec comes with a seven-speaker Harman Kardon sound system which gets this tiny car booming. The subwoofer in the boot is so powerful it almost feels like overkill.

In terms of storage up front there are two cupholders, big door pockets with two bottle holders, a centre armrest and a cooled glovebox. There’s also a USB-A port, 65W USB-C port and a wireless charger.

Moving to the second row there’s a decent amount of space for adults to sit behind adults. You could easily fit two adults along the rear bench, though pushing it to three would get a little too squishy.

Second-row amenities include rear air vents, a USB-C port with a phone slot, as well as a fold-down armrest with cupholders.

At the back there’s a manual tailgate, which is to be expected at this price point, but finding the trigger to open it is a little tricky. It’s a small button that’s hidden away.

Once the tailgate is open, the amount of boot space on offer is generous. Mahindra claims there’s 364 litres with the rear seats upright.

While the loading lip is high, the boot area is deep and wide. Unfortunately there’s no cargo cover available as standard, which means you’ll need to be careful what you boot back there.

Under the boot floor there’s a space-saver spare wheel, which is fantastic peace of mind if you travel long distances away from tyre repair shops.

It all boils down to how you classify practicality in a car like this. I mean, the basic stuff is all there – it's got two doors, four seats and a boot capacity of 440 litres.

It measures 4801mm in length, 1918mm in width and 1399mm in height, and room for front seat riders is good, but less so for anyone you squeeze into the back. There are even ISOFIX points for a child seat.

But if you consider practicality the practical pursuit of performance, then the M4 CS has plenty of perks.

We're talking a $254,900 entry price for the M4 CS, which – despite my attempts at justification – is a lot. Remember, the regular M4 is $168,700, and the M4 Competition is $186,500, so we're talking a sizeable premium here.

BMW justifies that price increase in two ways. The first is scarcity, with the M4 CS limited to just 50 examples in Australia. And the second is by dialling up every aspect of the M4's performance to terrifying levels.

The engine outputs are up, the weight is 20kg down, there are better brakes, better seats, a louder exhaust, a stiffer chassis – it goes on and on.

We'll get to some of the performance stuff in a moment, but here's what else your money buys you with the M4 CS.

It starts outside with staggered alloys, 19-inch up front and 20-inch at the rear, wrapped in track-ready rubber. There's also hi-po 'M Compound' brakes with red calipers, lightweight carbon racing seats that are heated up front, an Alcantara-trimmed steering wheel, the 'M Carbon' exterior package with carbon bonnet and roof, adaptive 'M Suspension' and a titanium exhaust that howls like the winds of hell.

The less performance-focused stuff is similar enough to the other M4 models including a 12.3-inch centre screen with digital radio, Apple CarPlay and Android Auto, a second 14.9-inch screen that handles your driving data and a head-up display. There's also twin-zone climate control, Merino leather upholstery and ambient interior lighting.

But all of that is secondary, really. This is about performance, specifically of the brutal kind.

All variants are powered by a 1.2-litre turbocharged three-cylinder petrol engine that produces 82kW of power and 200Nm of torque.

This is mated to an Aisin-sourced six-speed torque-converter automatic transmission with drive sent to the front wheels only.

BMW has found yet more grunt lurking in its trusty 3.0-litre 'M TwinPower' six-cylinder petrol engine, with the M4 CS now pumping out 405kW and 650Nm.

That's a decent jump from the 390kW and 620Nm served up by the M4 Competition, and a giant leap from the outputs of the 'base' M4 – 353kW and 550Nm.

Predictably, then, the CS is the fastest of the lot, knocking off the run from 0-100km/h in 3.4 seconds, compared to 3.5 and 4.2 in the Competition and M4, respectively. The top speed is also dialled up to 302km/h.

All that power is channeled through an eight-speed automatic and sent to all four wheels on demand, with the help of an 'Active M Differential'.

Mahindra claims the XUV 3XO has a combined urban/extra-urban fuel consumption of 6.5L/100km.

During my testing, however, I achieved a real-world fuel consumption figure closer to 6.2L/100km, which is better than the claim.

All XUV 3XOs have a 42L fuel tank that Mahindra claims can take 91 RON regular unleaded petrol, but 95 RON premium unleaded petrol is recommended.

With my as-tested fuel consumption this means the theoretical driving range from a full tank of petrol is around 675km.

The M4 CS is fitted with a 59-litre fuel tank, which – given the BMW's official fuel claim of 10.2 litres per hundred kilometres – should deliver a driving range on a full tank of 541 kilometres.

But... BMW also says the regular M4 – you know, the one that makes 52 fewer kilowatts and 55Nm less torque – uses 10.1L/100km, so do with that information what you will.

Behind the wheel, the Mahindra XUV 3XO feels refreshingly old-school.

The 1.2-litre turbocharged petrol engine does seem like it would be underpowered, but in practice it’s completely adequate. Peak torque comes on tap from 1500rpm so it doesn’t have to work too hard at all.

It’s fun hearing the noise the three-banger makes when under the boil. You don’t hear it much though because the revs are typically kept down low to minimise fuel consumption.

The key reason why this car feels old-school is the six-speed torque-converter automatic transmission. It’s nice to not drive an affordable everyday car that doesn’t have a continuously variable transmission (CVT) or dual-clutch automatic transmission as these can suck the life out of a car or be jerky.

The gear shifts in the Mahindra are sometimes docile, but are smooth and measured. It just operates like a regular car that doesn’t require you to rewire your brain to drive.

There are three drive modes to choose from. They’re hilariously called ‘Zip’, ‘Zap’ and ‘Zoom’. These correspond to Eco, Normal and Sport, respectively.

While I did eventually get used to driving in the ‘Zap’ mode, it felt a little snoozy at points, taking a beat or two to get the car accelerating with traffic. You can sidestep this with ‘Zoom’ which feels much more lively. If you activate cruise control or restart the car, though, it defaults back to ‘Zap’.

The XUV 3XO makes the most sense in the city where you’re able to use its tiny exterior dimensions to navigate tight urban carparks and narrow laneways with ease.

It almost became a challenge for myself to find the smallest parking spot I could slot this car into. As standard on this AX7L there are front and rear parking sensors, as well as a surround-view camera system.

Where this car is let down, however, is the steering feel. It’s incredibly light at low speeds and then as the speed builds it gets very heavy. So much so it feels like I’m getting an arm workout.

Unlike some of its rivals, there is still a semblance of feel through the steering wheel, but this drastic change from light to heavy steering weight is too stark. Somewhere in the middle would be nice please.

Something Mahindra is very good at is developing a comfortable suspension tune and this car is no different. It can tackle pimply urban road imperfections and speed bumps with no problems whatsoever.

Out on the open road this car surprised me. It feels like a much larger car than it actually is and doesn’t get blown around in the lane like small cars can.

The three-cylinder turbo-petrol engine remains confident at higher speeds, though if you frequently travel up hills the fuel consumption will skyrocket. There’s also a bit of road noise, which is to be expected when a car is this small.

For the most part the suspension does a fantastic job at rounding out road imperfections, but bigger bumps or potholes can unsettle the car. It’s not helped by the larger 17-inch alloy wheels.

Out in the twisties this tiny SUV is fairly agile. It’s not the sportiest thing out there by a vast degree, but it remains planted and solid even when pushed into harder corners.

Lastly, another point that makes this car feel old-school is the lack of obtrusive bings and bongs from the safety systems.

Sure the parking sensors can be a little over-the-top and the traffic sign recognition takes over the entire digital instrument cluster when it picks up a new speed limit, but having no driver attention monitor and intelligent speed limit assist is refreshing.

It’s not all perfect however as the lane-keep assist is too hands on for my liking. It activates from 60km/h and is quite overt in how it directs the car through bends.

The hardest and angriest M4 of all time is, perhaps unsurprisingly, hard and angry. This is a race track specialist, but because I don't happen to own one of those, my first experience with the barking (and barking mad) M4 CS was navigating my way back from BMW's inner-city dealership.

Like it or lump it, you're going to read some Porsche comparisons here, because you're talking not too far off base 911 Carrera money, and suddenly I find the two Germans doing battle for a spot in my dream garage.

First things first, the BMW won't be much chop for daily driving for most people. Happily, I have a sickness for uncomfortable sports cars. It tells me that no compromises have been made in the pursuit of punishing performance.

A good thing, too, because the BMW, at city speeds, can be punishing. Everything feels heavy, the seats aren't overly comfortable – especially the hard bits that tend to dig in when cornering – and it stiff-arms its way over road imperfections, that exhaust booming and barking as it does.

Again, I loved it, and you probably will, too. But it's still not the kind of car I'd relish sitting in the morning peak hour rush in.

But escape the confines of the city and the BMW M4 CS suddenly makes a whole heap of sense. The acceleration is genuinely brutal, and wonderfully theatrical, with that quad-tipped titanium exhaust barking and snarling as you rocket towards 100km/h.

The steering is brilliant, with feedback fed to your wrists via that thick-rimmed wheel, and the entire experience feels sharp, super engaging and edgy.

You can push the M4 hard and fast, and I'm certain my limited talents would run out far before the BMW's would, but there's this thrilling sense of peril sparked by the aggression of the experience, that I love.

It's like the magic of a roller-coaster, I guess. Even if you know nothing is going to happen, you never really know, right? And in that lies the magic.

But back to original question, this or a Porsche 911? There's no doubt a Carrera is a better all-rounder, in terms of comfy commuting and race track fun, but this angry M4 is all shouty theatrics, all of the time.

I bloody love it.

Expect no ANCAP rating here, I'm afraid. But the BMW 4 Series does wear a five-star rating from 2019.

The M4 CS gets six airbags (driver and passenger, side airbags, head airbags), along with what BMW calls its 'Driving Assistant Professional', which bundles active cruise control (with stop and go function), front and rear cross-traffic warning, 'Steering & Lane Control' and 'Lane Keeping with Side Collision Warning'.

Like other current Mahindra models, the XUV 3XO is covered by a seven-year, 150,000km warranty with seven years of roadside assistance.

Logbook servicing is required every 12 months or 15,000km, whichever comes first, though the first service is required after 12 months or 10,000km.

The first seven services are capped-price and total $1994. This averages out to $284.85 per service.

The M4 CS is covered by BMW's five-year, unlimited-kilometre warranty, with condition-based servicing available in packs, which will cost you $3530 over five years/80,000km, or $2900 over four years/60,000km.