The Mahindra Thar will easily fall within your Rs 20 lakh budget – it is a rugged off-roader with plenty of ground clearance and strong engine performance. If this is going to be the primary car in your household, you could opt for the Mahindra Thar Roxx MX5 diesel-MT 4×4 variant instead. It will be more convenient when you want to ferry more than one passenger, due to its 5-door arrangement.
However, if you want something that’s a lot more polished, refined and car-like than the Thar/Thar Roxx. Also, if you’re willing to sacrifice performance, you could consider the AWD variants of the Maruti Victoris or Toyota Hyryder.