I am having an XML file
In XSLT 1.0:
If your COL* values can contain commas, you could wrap the values in double quotes:
If they can contain commas and double quotes, things could get a bit more complex due to the required escaping. You know your data, you'll be able to decide how to best format the output. Using a different separator (e.g. TAB or a pipe symbol) is also an option.