This is the ninth year Matamata has hosted this event.
The Ruth Middleton event began on Saturday morning with 78 players starting in a shotgun start. Coolish conditions prevailed for most of the day but these conditions didn't affect the young stars of today.
Xu lead the field after 36 holes at 5 under par (70, 69) followed by Raj tied on -2 (71, 71) with Eunseo Choi (69, 73). Top seed and NZ rep Carmen Lim was 7th (76, 69).
The Sunday morning start was delayed by frost and the champion wasn't decided until the last hole.
The just turned 16-year-old Raj parred the final hole to post a score of 210 (71, 71, 68) to defeat Xu by one shot 211 (70, 69, 72).
The Middleton family are major sponsors of this event in memory of their late mother.
This year older brother Miles and wife Peggy flew up from Christchurch to speak on behalf of the family and present the cup to Raj.