• Goa (₹346,508) and Sikkim (₹334,518) rely heavily on tourism and hydropower—small populations, big rewards.
• Gujarat (₹206,046) & Tamil Nadu (₹189,139) flex industrial muscle—proving growth IS possible with the right policies.
• Bihar (₹33,763) & Uttar Pradesh (₹56,425)—India’s economic graveyards. Decades of central neglect, failed policies, and political apathy keep 25% of India poor. When will the ‘Heartland States’ get real reforms?

NIFTY MIDCAP 150 Index data tells us:  

• Short-term investing carries high risk. The 1-year returns show big losses like -60.75% in 2009 alongside huge gains like +133.17% in 2010.  
• Long-term investing looks safer. The 7-year, 10-year, and 15-year CAGRs are consistently positive, averaging around 14–15%.  
• Recent performance is strong. In 2024, the 1-year return was 56.26%, and the 10-year CAGR hit 21.67%, reflecting robust growth in India’s midcap space.  
• Suggestion: If you’re wary of risk, think long-term. Midcap stocks in this index have shown they can deliver steady growth over time, even if they’re bumpy year-to-year.

• Motilal Oswal ELSS: Highest 5-year XIRR at 33.46%, strong risk-adjusted returns, ideal for growth-focused investors.
• SBI Long Term Equity: 5-year XIRR of 28.84%, low volatility, suitable for moderate-risk, long-term investors.