No i didn't rate it based on Refinement but based on Drivability aspect. I felt Ford's have the most punchy engine followed by Honda. Next up is 1.5 DCI which is equally good but more so on highways, in cities i felt this engine to be a bit laggy, but on highways its very good. Hyundai CRDI engines are good, but they don't offer that much performance as other ones. I have i20 Diesel and there is a Verna Diesel in my family, this engine doesn't excite me but its good though hence rated it below Ford & Honda.
Regarding remaining 2 engines (MJD & TDI), the Multijet feels good on small cars (Swift, Baleno) and the VWs 1.5/1.6 TDI is very good on highways, but in city drives there is slight lag but the torque helps in keeping that low. But the noisy engine and vibrating clutch takes away the fun factor.