Thanks for all the suggestions guys.
From what I've read here, the Gurkha seems be THE real off-roader. I am not an enthusiast, and just need to be able to get in and out of places that a "normal" vehicle would have trouble getting to. As suggested by most on other threads, the Gurkha & Judo are difficult to get. If easily available, I dont mind spending some cash on fixing the interior up a bit to make it more "comfortable". I dont care about the exterior much. In fact, I prefer people dont turn around at look at my car.

Also guys, please dont discriminate against me just because I spent some time away from the motherland.

I would love to have a Forester. I have driven the Outback and like the Subarus generally. Although, I am not sure it will cross the Maling Nallah in Himachal easily.

Also, it is a little over my budget.
I have yet to explore the Mahindras in detail. Two of my friends in India recently got the Scorpio 4x4. One got it for exactly the same purpose as myself. Both are not satisfied with their purchase. Imagine the transmission malfunction light blinking when trying to cross a 3 feet deep stream! Also, I've been told that the exterior build quality leaves much to be desired. I dont know much about the Bolero, but from Arka's description it seems like a great vehicle for my needs.
I used a Tata Safari 4x4 for a month in 2005. I liked the ride quality but did not take it off road a lot.
I know the Gypsy is not a comfortable ride, but it seems like I wont have much of a choice. Or I could place an order for a Gurkha and get a used Maruti 800 in the meantime. And then spend some time upgrading it interior-wise to my needs.
Keep the great suggestions coming guys. I am not a car nut (pun unintended) and need all the help I can get.
OT: (To tsk1979) I have some pictures on my website -
satie.co.in. Links to galleries are on the left.