• 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?

  • 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.

  • JM Value Fund: Highest 5-year XIRR at 32.79%, Sharpe Ratio 1.12, moderate volatility, ideal for growth-focused investors.

  • Bandhan Sterling Value Fund: 5-year XIRR of 30.63%, low standard deviation at 13.94%, strong stability for conservative investors.

  • Templeton India Value Fund: 5-year XIRR of 30.37%, low max drawdown of -9.30%, great balance of growth and stability.

  • Nippon India Value Fund: 5-year XIRR of 30.32%, moderate risk profile with max drawdown of -12.18%, suitable for balanced investors.

  • Aditya Birla Sun Life Pure Value Fund: 5-year XIRR at 28.70%, higher volatility, fits aggressive investors with high-risk tolerance.