Old 4X4s are pain in a$$.
I'm saying this after owning Pajero 1995, Prado 1995 and Hilux 2001.
If u have a 8 lacs buy a brand new cultus or a old civic,corolla they will be better.
Although 4x4 has an own charm, but a lot of technical problems are faced especially during winters. Also they are fuel eaters with just 4-7km/liter and diesel is touching 72rs/liter, while in cars u can install CNG, which can be really cheaper.
If u wanna go for a 4x4 be ready for a rough and tough ride and life