Yes, you are right, your short drive in Mumbai traffic won’t allow the diesel particulate filter (DPF) of Mahindra XUV 3XO to reach the temperatures. It needs to ‘light-off or regenerate properly to burn off the soot which will accumulate in your DPF and trigger a malfunction warning. The way to raise the exhaust temperature and subsequently heat the DPF to its ‘light-off’ point is to run the engine under a steady load. You should plan a long drive at least once a month, with around half an hour of continuous driving at around 50-60kph. Use a gear that keeps the engine between 2,000 to 2,500 rpm and drive steadily without hard acceleration or braking. The aim is to drive consistently so that the exhaust temperatures can stabilise and you can complete the regeneration process without interruption. Since you live in Powai, the Eastern Expressway is not far away and can be a convenient stretch for you to clear your DPF periodically.

Given your requirements, the only options that are not wildly expensive are the Mahindra XEV 9S and the Kia Carens Clavis EV. Both are three-row SUVs that are pretty spacious and practical, but they differ in what they offer.The Mahindra car comes across as the more premium of the two. It’s larger, has an imposing road presence and comes packed with technology and features. It wins the spec-sheet war and is a very comfortable, compelling option. However, once you consider how the car will be used, the Kia Carens EV could be the better everyday car.One of the most significant factors is access to the cabin. The Carens Clavis EV sits lower, making getting in and out easier. Your requirement for a wheelchair suggests that someone with limited mobility will be using the car, and this is why the step-in height becomes something you notice every single day and a very important factor.Also, the third row, too, is slightly more practical and usable in the Kia car. When the third row is folded down, the boot is spacious enough to accommodate a wheelchair. The lower floor also makes loading a wheelchair easier.On the ownership side, Mahindra’s EVs have made rapid progress and the products are far more polished than before, but some owners still report software-related hiccups. Kia’s EVs, by comparison, are better sorted, suggesting a more predictable ownership experience.Both cars are easy to drive; the XEV 9S offers a better ride and is more refined, but the Carens Clavis EV feels less cumbersome in tight spaces.

The most fun-to-drive SUVs in your budget are the 1.5-litre Volkswagen Taigun and Skoda Kushaq twins, which are very engaging thanks to their brilliant dynamics and a powerful, punchy engine. Both are due for a facelift, and the upgraded Kushaq is just around the corner and scheduled to launch on January 20th 2026. The Volkswagen Taigun facelift will come a month later. Both these SUVs will see some significant enhancements to the air conditioning and interiors. Top-end variants will come with rear massage seats, a first in the segment. However, one weakness is the rear seat space, which is relatively narrow and best for four. Therefore, if this is a deal-breaker for you, you could consider the Tata Sierra. It is fantastically spacious, has superb ride and handling and an all-new 1.5 petrol engine, which is smooth, punchy and fairly efficient too. The Sierra is not as engaging to drive as the Kushaq and Taigun, as it is heavier and has a relaxed power delivery. We would rule out the MG Hector in your case as it is too big, it's not a very engaging car to drive, and as you said, it guzzles fuel.

The car that best suits your budget and requirements is actually the Kia Sonet. It has the biggest boot in this price bracket of compact SUVs, and the wide boot opening and good depth make it best for loading luggage. The 1.0 Turbo-petrol engine packs 120hp and is mated to a 7-speed twin-clutch gearbox, which provides good performance and is quite powerful. The HTX variant will easily fit your budget and comes with essential features. But if you can stretch your budget to the GTX variant, which is around Rs 16 lakh, you get useful features like ADAS and a 360-degree camera.