NPS and PPF are the steady, long-tenure end of every customer's financial planning. NPS leads usually come from mid-career professionals using the extra ₹50K 80CCD(1B) deduction or corporates enrolling employees in NPS corporate. PPF leads include young earners starting their first long-term tax-saving instrument and parents opening PPF accounts in minor children's names. Volume is highest in Jan–March tax-saving season but steady through the year for retirement-planning conversations.