Toyota Innova HyCross

If you regularly travel with six or seven adults, then the Toyota Innova Hycross hybrid certainly has an edge due to its more spacious cabin. The Toyota will also be a lot more efficient too, thus your fuel bills will be in check. 

On the other hand, if the third row will be used only occasionally, the Mahindra XUV 7XO is the better car to drive. Its diesel-automatic combination is smooth, refined and delivers punchy performance. Also, the top-spec XUV diesel-automatic is much more affordable than a Hycross hybrid, making the Mahindra good value too.

Before you go ahead with the purchase, please keep in mind that the Tata Safari is a heavy vehicle and in its petrol-automatic guise, expecting double digit city fuel efficiency will be a bit ambitious. Yes, on the open roads, at constant speeds and light throttle inputs, the turbo-petrol could deliver good fuel efficiency, but in bumper-to-bumper traffic and stop-go conditions, fuel efficiency will be low. As a family car though, the Safari is a good option, on account of its spacious cabin, and impressive ride comfort. Tata's service experience can be a hit or a miss, and it isn't the best in terms of reliability either, occasionally throwing up a glitch or two. The Mahindra XUV 7XO is slightly better in that regard, however space isn't as good as in the Tata, especially in the third row. Also, the XUV's 2.0-litre turbo-petrol-automatic will fare worse (if not equally) as far as efficiency goes.

Hence, if you want a fuel-efficient family car, the Maruti Invicto or the Toyota Innova Hycross hybrid are the ones to get. Of course, these are very expensive, and as you've rightly pointed out, unless your usage is very high, it will take a long time to benefit from its lower running costs after breaking even. But as far as reliability, peace of mind and a trouble-free ownership experience goes the Maruti and Toyota are still the ones to beat.

Both are very different cars, so the choice really depends on what you want from your 7-seater.

The Jeep Meridian is a proper SUV. It feels solid, has excellent ride quality, and really shines on broken roads and highways. The 2.0-litre diesel paired with the 9-speed automatic is relaxed and effortless at cruising speeds, making it a very good long-distance tourer. It also feels more planted and confidence-inspiring at higher speeds. However, the third row is tight and best suited for kids, and overall space isn’t as generous as the Toyota.

The Toyota Innova Hycross, on the other hand, is more urban in nature. It’s powered by a 2.0-litre petrol engine, with a strong hybrid option that delivers excellent fuel efficiency in city use. It’s significantly more spacious, especially in the second and third rows, and comfort is a big highlight. For family use and city driving, it feels easier and lighter to live with. Long-term ownership peace of mind is also a big plus, thanks to Toyota’s strong reliability reputation.

To sum up; 
Go for the Meridian if you enjoy driving, do long highway trips and want that SUV feel.
Take the Hycross if space, comfort, efficiency and hassle-free ownership matter more, especially for urban use.

For your limited running, a petrol-engined vehicle makes the most sense in terms of long-term reliability and running costs. Among your premium picks, the Volkswagen Tayron stands out as a solid choice thanks to its German build quality and premium interior. Its 2.0-litre engine delivers strong performance, and it is well equipped. 

It doesn’t offer captain’s chairs, which you mentioned you would like. But the second row is spacious and comfortable, and it can slide forward to free up some additional room for third-row occupants. 

That said, the third row is best suited to shorter journeys. While service costs will be on the higher side, the Tayron should be fairly reliable on paper, and the overall ownership experience is likely to be very satisfying.

As you mentioned, you are open to considering the Tata Safari and Mahindra XUV 7XO. We would also suggest looking at the Toyota Innova Hycross. Since you are prioritising low ownership costs and peace of mind over the next 8 to 10 years, the Hycross is a better choice than the Safari and XUV 7XO. 

Additionally, it can be optioned with captain’s chairs in the middle row and has a genuinely usable third row. It does share the same drawback that put you off the Fortuner. It is quite common, but the reason for its popularity is simply that it is such a well-rounded product.

Do take a test drive of all these options, and spend some time in the middle and third rows as well, before making your final decision.