Mahindra Xuv 3Xo vs Volvo V90

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 V90 Cross Country is a carefully considered, hugely practical, and sleek full-size wagon. It has power to shift a family and all that goes with it, along with leading edge safety for maximum protection. The engine could be quieter, the ride smoother, and the warranty longer. But if you're thinking about a premium five-seat SUV, we suggest checking out the passenger car driveability this Volvo offers.

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.

Three people have led Volvo's drive towards its current ultra-cool design look and feel. Thomas Ingenlath is Volvo's long-time chief design officer (and CEO of the brand's performance car subsidiary, Polestar), Robin Page is head of Volvo design, and Maximilian Missoni oversees exterior design.

In a rare case of healthy designer egos not getting in the way of a positive outcome, this trio has developed a classically simple, Scandinavian approach combining echoes of Volvos past, like the large grille, complete with 'Iron Mark' logo, and current signature elements including the dramatic 'Thor's Hammer' LED headlights and lengthy tail-light clusters.

The Cross Country off-roady bit comes courtesy of black wheelarch over-fenders, with the same shade applied to the window glass surrounds, front air vents, side skirts and lower section of the rear bumper.

Inside, the look is cool and sophisticated, with clean form working hand-in-hand with straight-forward function. The colour palette runs from brushed metal highlights, through grey, to black.

Our test vehicle featured three option packages, with two impacting interior presentation. All the details are listed in the price and value section below, but in terms of the cabin, the 'Premium Pack' adds a panoramic glass sunroof, and tinted rear glass, while the 'Luxury Pack' brings ventilated 'Perforated Comfort Seats' trimmed in (partial) nappa leather (the standard trim is nappa leather 'accented'... without the perforations).

The overall feel is composed and serene, with a layered approach to the dash including a mix of soft-touch materials and 'metal mesh' highlight elements.

A 9.0-inch centre touchscreen is portrait oriented with large vertical vents either side, and a 12.3-inch digital driver display sits inside a compact instrument binnacle.

The seats look inviting with raised stitching defining neatly sculpted panels, the curved head restraints another characteristic Volvo touch.

Overall, the V90's design is carefully considered and understated, but far from boring. It's great to look at on the outside, while the interior is as calming as it is efficient.

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.

At just over 4.9m long, more than 2.0m wide, and a touch taller than 1.5m the V90 CC is a substantial wagon providing seating for five, ample cargo space, and lots of thoughtful touches to help ease the daily grind.

Those in front enjoy heaps of space as well as a centre console incorporating two cupholders, an oddments tray, two USB ports (one to enable Apple CarPlay/Android Auto connection and one for charging only) and a 12-volt socket, all able to be hidden by an elegant, roll-top cover. A similar, smaller cover rolls over a coin tray near the gearshift.

There's also a decent (cooled) glovebox, generous door bins with room for large bottles, and a small lidded box on the lower dash to the right of the steering wheel.

Switch to the rear and the 'roomy' theme continues. Sitting behind the driver's seat set for my 183cm (6.0ft) position I had plenty of leg and headroom, and the width of the car means three average-sized adults can populate the back seat without resorting to uncomfortable contortion.

A centre flip-down armrest houses a pair of pop-put cupholders, an oddments tray and a lidded storage box. But the modest door bins are too narrow for normal size bottles. On the upside, though, parents of small children everywhere will welcome the standard perforated pull-up blinds for each rear door window.

There are also netted map pockets on the back of the front seats, plus adjustable air vents at the back of the centre console and supplementary vents in the B-pillars. Our car's Versatility Pack option added a three-pin 220-volt power outlet at the base of the tunnel console, too.

Then, there's the business end, with the V90 coughing up 560 litres of boot space with the rear seats upright. More than enough to swallow our three-piece hard suitcase set (35, 68 and 105 litres) or the jumbo-size CarsGuide pram, or various combinations of the two.

With the second row 60/40 split-folding rear seat (with through port) down that grows to a substantial 913 litres. And that's measured to top of seat height. If you're loading up to the headlining those numbers stretch out to 723L/1526L.

Plus, there's a 12-volt outlet, bright lighting, a stretchy retaining strap on the right-hand wall, strategically placed shopping bag hooks and tie-down anchors at each corner of the floor.

The Versatility Pack option also adds a 'grocery bag holder' which is a piece of pure Nordic genius. It's essentially a flip-up board that pops out from the cargo floor with two bag hooks at the top and pair of elasticised retaining straps across its width. For small shopping loads it keeps things secure without the need to bring in a full cargo retaining net.

And to make lowering the rear seat and opening up that extra volume easier, the Versatility Pack also brings a pair of power control buttons for rear seat folding located near the rear door.

The space-saver spare is located under the floor, and if you're hitching things to the back, maximum tow weight for a braked trailer is 2500kg and 750kg unbraked.

Icing on the practicality cake is a handsfree power operated tailgate, which combines foot-under-the-rear-bumper auto opening with buttons in the door's lower edge to close it and lock the car.

The question of value in the V90 Cross Country can't be considered without thinking about competitors, and the all-wheel drive premium wagon concept is available above, below, and in line with the Volvo's $80,990 (before on-road costs) price tag.

For $112,800 the Mercedes-Benz E220 All-Terrain offers a similar size package, also powered by a 2.0-litre, four-cylinder turbo-diesel engine. It's a well-equipped, luxury-focused offering, but can't match the Volvo for power and torque.

Audi's A4 allroad 45 TFSI is comparable at $74,800, but smaller than the Volvo in every key measure, and its petrol engine can't match the V90's grunt.

Then the Volkswagen Passat Alltrack 140TDI is yet another Euro all-wheel drive 2.0-litre turbo-diesel four, but this time the cost of entry is 'just' $51,290. Appreciably smaller than the Volvo it's a less powerful but neatly resolved option.

So, in terms of standard equipment we'll cover active and passive safety in the safety section below, but aside from that the features list includes: nappa leather accented trim, power-adjustable and heated front seats (with memory and adjustable lumbar support), a leather accented steering wheel and gear selector, four-zone climate control, satellite navigation, and 10-speaker high-performance audio (with digital radio plus Apple CarPlay and Android Auto connectivity). A voice control function enables hands-free management of media, phone, nav and climate.

There's also keyless entry and start, the handsfree power operated tailgate, a rear sunblind, LED headlights (with 'Active Bending' function), LED tail-lights, rain-sensing wipers, cruise control, 20-inch alloy rims, a 360-degree camera (including reversing camera), 'Park Assist Pilot + Park Assist' (front and rear), plus the 9.0-inch centre touchscreen and 12.3-inch digital instrument display.

Then on top of that lot, our test car was loaded with three option packs. The 'Premium Pack' ($5500) adds a power panoramic sunroof, tinted rear glass, and Bowers & Wilkins 15-speaker premium audio.

The 'Versatility Pack' ($3100) adds the grocery bag holder in the boot, a compass in the rear view mirror, the power folding rear backrest, a power outlet in the tunnel console, and rear air suspension.

Plus, the 'Luxury Pack' ($2000) tips in power side support and a massage function in the front seats, a heated steering wheel, and ventilated 'Comfort Seats' with perforated nappa leather accented upholstery.

Squeeze in 'Crystal White' metallic paint ($1900), and you're looking at an 'as-tested' price of $93,490 before on-road costs.

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.

The V90 Cross Country is powered by Volvo's (D4204T23) 2.0-litre, four-cylinder, twin-turbo diesel engine.

It's an all-alloy, direct-injection unit producing 173kW at 4000rpm and 480Nm from 1750-2250rpm.

Drive goes to all four wheels via an eight-speed automatic transmission and Volvo's fifth-generation, electronically-controlled all-wheel drive system (including off-road mode).

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.

Claimed fuel economy for the combined (ADR 81/02 - urban, extra-urban) cycle is 5.7L/100km, the V90 CC emitting 149g/km of CO2 in the process.

Despite an standard auto stop-start system, after close to 300km of city, suburban and freeway driving, the on-board read-out settled on an average of 8.8L/100km. Using that number, the 60-litre tank provides a theoretical range of 680km.

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.

From the minute you hit the starter button there's no doubt a diesel engine resides under the V90's bonnet. This iteration of the 2.0-litre twin-turbo hasn't been around all that long, so its rather noisy character comes as a surprise. But once you get past that first impression, selecting D and extending your right ankle results in spirited acceleration.

Volvo claims 0-100km/h in 7.5sec, which is especially quick for a 1.9-tonne wagon, and with a grunty 480Nm of peak torque on tap in the suburban sweet spot - just 1750-2250rpm (with much of it hanging around beyond that), plenty of urge is always available. Continue pressing on and peak power (173kW) arrives at 4000rpm.

Add in slick changes from the eight-speed auto and this Volvo is a sleeper for the traffic light grand prix.

But once you've calmed down and settled into the urban crawl, the V90 CC's relatively patchy ride quality starts to make its presence felt.

It's the smaller bumps, holes and joins that typify urban Aussie roads that upset the V90. Suspension is double wishbone front, with an integral link and transverse leaf spring set-up at the back, and even with the optional air suspension fitted to the rear of our example, the car doesn't lead the pack for ride comfort.

Part of that could be down to the standard 20-inch rims shod with 245/45 Pirelli P Zero rubber. There's plenty of grip available with the variable all-wheel drive system obviously doing its bit to put the power where it's most useful. The electrically-assisted steering points nicely and delivers excellent road feel, but that niggling jiggling is always there. Interesting to note 19-inch alloys are a no-cost option.

Other than the engine sticking its nose in, the cabin is calm and relaxed. The seats feel super firm on first contact, but provide brilliant comfort over lengthy stretches. The brakes are disc all around, ventilated at the front (345mm fr/320mm rr) and the pedal is progressive and confidence inspiring.

Ergonomics are excellent, with the V90's dash and console controls and dials striking a user-friendly balance between screens and conventional buttons. The configurable digital instrument cluster is a stand-out.

Volvo and safety are words that mesh like finely machined gears, and the C90 doesn't disappoint in terms of standard active and passive safety tech.

The car hasn't been assessed by ANCAP, but Euro NCAP gave it a maximum five-star score in 2017, in the process the V90 becoming the first car ever to score a full six points in the Autonomous Emergency Braking (AEB) for Pedestrians test.

As well as AEB (pedestrian, city, and inter-urban) the list of crash-avoidance features includes, ABS, EBA, 'Emergency Brake Light' (EBL), stability and traction controls, 'Intellisafe Surround' ('Blind Spot Information' with 'Cross Traffic Alert' and 'Collision Warning' front and rear with mitigation support), adaptive cruise control (including Pilot Assist lane guidance), 'Distance Alert', 360-degree camera (including rear parking camera), 'Park Assist Pilot + Park Assist' (front and rear), 'Hill Start Assist', 'Hill Descent Control', rain-sensing wipers, 'Steering Support', 'Oncoming Lane Mitigation', and 'Intersection Collision and Oncoming Mitigation' (with 'Brake Support'). Phew...

But if an impact is unavoidable you're supported by seven airbags (front, front side, curtain and driver's knee), Volvo's 'Side Impact Protection System' (energy absorbing body frame system working in concert with side and curtain airbags), neatly integrated child booster cushions (x2), a 'Whiplash Protection System' (seat and head restraint impact absorption), an active bonnet to minimise pedestrian injuries, as well as three top-tether points across the rear seat back with ISOFIX anchors on the two outer positions for child seats and baby capsules.

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.

Volvo offers a three year/unlimited km warranty across its new car model range, including roadside assistance for the duration. Not outstanding when you consider the majority of mainstream brands are now at five years/unlimited km.

But, on the upside, once the warranty runs out, if you have your car serviced at an authorised Volvo dealer each year you receive a 12-month extension to the roadside assist coverage.

Service is recommended every 12 months/15,000km (whichever comes first) with a Volvo Service Plan covering scheduled servicing for the V90 over the first three years or 45,000km for $1895 (inc GST).