I don't have much time nowadays to get into long discussions on internet forums, but there is a good amount of hyperbole in your post. Particularly people who post here, have at least decent financial background, I don't get what has gone bad for them in 5 years.
Maybe it is just case of those who don't like BJP can't take it well seeing them winning and go into hyperbole. For practical purpose, life doesn't change much for middle/upper middle class. I was of an age to read and partially at least understand politics during 1996-98 period of khichdi sarkar and remember almost every day there being speculation on how long government will last. Still, life went on. Mind you, many of you were hoping for similar government again. Maybe you weren't old enough to remember how bad things were.
Reading back on this thread, I see lots of armchair experts thinking 300 is tough for NDA and some thinking NDA will even fall short of majority with good margin. This is what happens when you don't know ground reality and make sweeping statements after reading wire and scroll.
So many poor people have voted for Modi, the candidate doesn't matter to them, it is almost presidential election. They have moved beyond caste arithmetics even in states like UP (something BJP opposition was banking on). Chemistry has trumped arithmetics and no, for those poor, caste and religion is not that big a factor as much it is the hope that Modi is best placed to solve their issues. It is his 2nd time going to them, so definitely they are seeing something which is giving them hope.
Also, in a country where opposition is asking Muslims to vote en masse against BJP, those people should get fecked who have problem on Hindus consolidating votes somewhat for BJP. It is not just Hindus who have responsibility of secularism in this country while Muslims and Christians continue voting on communal lines. You reap what you sow and Congress and others have sown by continuously doing minority appeasement, emboldening the extremist groups from minority religions and there by alienating and irritating Hindus.