Mahindra Xuv 3Xo vs Toyota Fortuner

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.

The Toyota Fortuner is a family friendly wagon and a very capable 4WD, but it’s looking and feeling decidedly old, especially when cross-shopped against the current highly competitive 4WD wagon market in which vehicles are increasingly stylish, sophisticated and packed with driver-assist tech (that isn't clunky) and standard features (that are extensive).

The Fortuner is practical and easy to live with as a daily driver, and in GXL spec it makes a lot of sense as a functional not flashy off-road tourer, but it’s far from the best family 4WD wagon around.

Until a next-generation Fortuner possibly arrives, there are plenty of Toyota fans who’d happily settle for a current Fortuner – if they haven’t already.

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 GXL is 4795mm long with a 2745mm wheelbase. It is 1855mm wide, 1835mm high and has a listed kerb weight of 2185kg. It has a 11.6m turning circle.

Not a lot has changed in terms of the Fortuner’s looks over the years and while it stubbornly retains that pleasingly non-offensive exterior of most modern SUVs, it does manage to not be totally bland.

The GXL is a body-on-frame 4WD based the HiLux, so it’s no sports car in appearance whether you gaze at it from the front, side, rear or from a bird’s eye view, but it doesn’t look like a block of rotten wood, so unless you’re looks-obsessed, then you should be okay driving this around.

The Fortuner interior is looking dated and the standard dark grey fabric cloth seats, though well-suited to coping with day-to-day messes and spills, don’t do the cabin any favours either, and – you know what? – I don’t mind any of it. Note our test vehicle on this occasion had black leather-accented seats as part of its GXL Option Pack, but I've spent time in cloth-seat Fortuners.

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.

The Fortuner’s cabin has a comfortably familiar feel to it and, thankfully, this interior is all about function not fashion.

It’s a practical space, with standard cloth seats (as mentioned our test vehicle has the Option Pack leather-accented seats, but I’ve spent enough drive time in Fortuners with cloth seats to know how those cope with the mess and dirt of everyday life), carpet floors with rubber mats, and durable plastic surfaces everywhere.

Up front, there’s an 8.0-inch multimedia screen (too small, not clear and bright enough) and that system has USB-connected Apple CarPlay and Android Auto (no wireless anything), and a 4.2-inch colour driver’s display, which is too small, too basic and part of an outdated mix of analogue and not-new-enough digital instrumentation.

There are the usual storage spaces – including a glovebox, a centre console, a tray for your smartphone, pop-out cup-holders on the outboard edges of the dash – and a USB port and a 12V socket for charging purposes.

The Fortuner’s three rows are in a 2-3-2 seat configuration. The 60/40 split-fold second-row seat has a one-touch, tumble feature. The 50/50 third-row seats are able to be stowed away, sort of. When folded to each side they protrude into the load space, reducing the size of what would otherwise be a more useable cargo area.

It’s reasonably comfortable in the second row; I sat behind my driving position and I had adequate head and knee room.

The second row has cup holders in the fold-down armrest, ceiling-mounted controls for the aircon, and two ISOFIX and three top-tether anchor points.

All three rows get aircon – with ceiling-mounted vents – and there are a few storage spaces in the third row, but no cup-holders. 

In terms of comfort, it’s ordinary back here; the seats are flat and unsupportive – and, for anyone other than children, the space is tight. 

Boot space is listed as 200 litres with the third-row seats in use, and in that area there are cargo hooks and a 12V socket.

Stow away the third-row and cargo space increases to 716 litres. But the seats still jut into the cargo area, greatly reducing your actual useable load space, and they also obscure a lot of driver vision to the rear.

With the second and third rows out of the way you have a listed 1080L of cargo area.

Our test vehicle is the GXL, the mid-spec variant in a line-up topped and tailed by the base-spec GX and the top-shelf Crusade.

The GXL has a starting price of $58,895 plus on-road costs.

Standard features onboard this seven-seat 4WD wagon include a 8.0-inch multimedia touchscreen (with Apple CarPlay and Android Auto), a six-speaker sound system, digital radio, manually adjustable seats and 17-inch alloy wheels.

Exterior paint choices include Glacier White (no extra cost) or premium paints Frosted White, Graphite, Stunning Silver, Eclipse Black, Feverish Red, Phantom Brown, and Saturn Blue, which all cost $675 extra.

Our test vehicle has the Option Pack, which includes black leather-accented seats and eight-way power-adjustable front seats.

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.

Every Fortuner in the line-up has a 2.8-litre four-cylinder turbo-diesel engine – producing 150kW and 500Nm – and that’s matched to a six-speed automatic transmission.

In terms of performance, the Fortuner is not going to set any hearts a-flutter: it’s sluggish off the mark, it takes a heavy right boot to make it feel like anything other than lacklustre on the move, and the six-speed auto downshifts quite harshly at times, especially when going up or down long, gradual inclines on the highway.

However, the 4WD set-up is effective, with adequate low-range gearing, a quietly efficient (but a tad clunky) off-road traction control system, and a rear diff lock.

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 Fortuner has official fuel consumption of 7.6L/100km.

On this test I recorded 9.6L/100km.

Going by my on-test fuel figure, you could reasonably expect a driving range of about 833km from this Fortuner’s full 80-litre tank.

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.

On-road, the Fortuner offers up a pretty standard driving experience for a ute-based wagon. It’s on the HiLux ladder-frame chassis, and it has a firm ride, bordering on harsh. Having said that, you do get used to it soon enough and the Fortuner's coil-spring suspension set-up takes most of the sting out of surface irregularities, except for the more severe dips and bumps.

The Fortuner’s driving position offers plenty of visibility – although the A-pillars are bulky and the third-row seats block vision to the rear when they’re folded up to the sides of the cabin.

This 4WD wagon is generally quiet, although there’s noticeable wind-rush noise around the wing mirrors and engine noise builds to a diesel shriek when you use a heavy right boot as is regularly required.

Steering – reach- and rake-adjustable – is adequately light and sharp, and the Fortuner, with its 11.6m turning circle, is reasonably nimble in suburban areas.

Acceleration, from a standing-start or for overtaking, is laggy but available power and torque come in handy during general driving, making the Fortuner more agreeable all-round than previous versions.

The six-speed auto is generally right for the job, but it downshifts harshly, especially when going up or down long, gradually sloping highway stretches. That happens enough for it to be on the wrong side of annoying.

Some aspects of the Fortuner’s driver-assist tech is annoying: active cruise control is too abrupt and pre-emptive, consistently miscalculating the space between the Fortuner and the vehicle in front as accurately as most of its rivals. This clunky application of tech to real-world scenarios works against the Fortuner. 

While driving a lightly corrugated and rutted dirt track o the way to our set-piece off-road tests, the Fortuner’s ladder-frame chassis yielded a stiff, firm ride, bashing and bouncing over any and all surface imperfections. Airing down the Yokohama Geolandar ATs (265/65R17) from 38 psi (pounds per square inch) to 26 psi takes some sting out of the ride.

The Fortuner is a very capable 4WD with standard off-road measurements, including ground clearance (216mm), approach angle (29 degrees), departure angle (25 degrees) and rampover angle (23.5 degrees). It has a listed wading depth of 700mm.

The Fortuner’s switchable part-time 4WD system has two-wheel drive (H2), and high- (H4) and low-range (L4) four-wheel drive. There’s ample low-end torque on offer – on tap across a broad rev range – for controlled low-speed 4WDing and the unfussed turbo-diesel engine keeps the Fortuner ticking along, without any hassle. 

Engine braking is good, keeping the Fortuner to a sustained and composed momentum on downhill runs.

The off-road traction control system is an effective set-up, limiting wheel-spin and sending much-needed torque to the tyres with some useable traction, with the aim to keep the vehicle moving along at a safe, controlled pace.

Besides that, the driver always has the option of engaging the rear diff lock for more traction action.

Wheel travel is decent for a wagon like this and if you can get the full suspension flex, and drop any mid-air tyres to the dirt for more traction, chances are you’ll be able to get moving along safely soon enough.

So, the mechanicals are fine – its 4WD set-up is very effective – but the Fortuner doesn’t have a whole lot of ground clearance (a claimed 216mm, standard for a contemporary 4WD wagon) and the side steps are prone to hitting on the edges of steep and deep ruts, but those factors are easily overcome through considered driving and tyres that are better suited to off-roading. 

The standard Yokohama Geolandar AT tyres are somewhat of a flaw in the Fortuner’s off-roading set-up. Sure, they’re technically all-terrains, but I reckon a better bet for you – if you’re planning to drive anything beyond formed trails – is to invest in a set of more aggressive all-terrains with greater sidewall bite. 

If you’re planning to use your Fortuner to tow anything, keep in mind that it has a 750kg unbraked towing capacity and 3100kg braked towing capacity. Remember: to be on the safe side, avoid going loading up to anywhere near those capacity figures.

Payload is 615kg (easily reached when you factor in people, pets, camping gear and more), gross vehicle is (GVM) is 2800kg, and gross combined mass (GCM) is 5900kg.

The Toyota Fortuner GXL has the maximum five-star ANCAP safety rating from testing in 2019. Note the ANCAP safety rating for the Fortuner is based on crash tests of the Toyota Hilux.

Standard safety gear includes seven airbags and driver-assist tech, including AEB with pedestrian (night and day) and cyclist detection (day only), active cruise control, lane departure alert, road sign assist and more.

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.

A five-year/unlimited kilometre warranty covers the Fortuner, which is par for the course these days.

If you stick to the relatively short servicing schedule – six months or 10,000km with at authorised dealerships – Toyota says it will cover the engine and driveline for up to seven years. All warranty elements are subject to terms and conditions, so make sure you’re fully aware of those.

Capped-price servicing applies and, for our test vehicle, it was $290 per appointment for the first five, then $377.38, $813.93, $572.55, $478.93 and $377.38.