FD and RD continue to be India's most trusted savings vehicle. The leads here usually involve customers comparing rates across PSU, private, and small-finance banks for senior-citizen tiers (75 bps+ premium), NRE/FCNR deposits, or laddered deposits across 1y/2y/3y/5y tenors. Average lead size ₹5L–₹1Cr+, with HNI laddering deals at the top end. SFBs (small finance banks) often appear here because of their higher headline rates. Posters typically refer their own customers when they want to keep the relationship warm but can't offer the rate the customer wants.