Fazal bhai
As you correctly mentioned technically ride height is measured from the lowest point from the ground.
In a front wheel drive vehicle the whole surface behind the front wheels would be at the same level so the lowest point would the suspension points at front axles.
In rear wheel drive or AWD cars there would be differential in the rear and/or in the center which should be the lowest point. Ground clearance would hence be lower “technically”. Practically most of the rest of the vehicle would have a greater clearance.
So for all practical purposes on speed breakers for instance where the wheels on one axle connect at the same time the effective ground clearance would be better in a CUV or SUV.
The actual/technical specifications based ride clearance would only be properly tested when there’s a ridge in the centre of the road for example where the tarmac has been deflated by a Cane a trolley exceeding its payload - this can be seen in rural roads where there are depressed tyre tracks with a prominent ridge in the middle.
This point has been articulated succinctly in the answer on page below:
Reproducing the relevant text as the discussion on the page may distract from relevant answer:
“Ultimately it may not matter how it's measured. If you have a certain application in mind you should probably just get a look under each type and see what kind of clearance it has. The low point may be on the suspension near the wheels, but it may also be closer to the center. Consider that many lifted 4x4s have the low point at the differential housing in the center of the axle, but may have a few more inches on either side that would effectively allow them to clear an obstacle taller than their "official" maximum clearance point.
Also consider that in practical terms you may be more likely to encounter a poor road with a lot of potholes/divots than one with large obstructions. In that case low points nearer to the wheel are less important because they will still clear when the wheel enters the hole, and it's components more near the center that potentially can hit on the edge of the hole“.