Overdraft products are often sold defensively — a customer asks for a personal loan, the banker counters with an OD. The leads here are usually salaried professionals (₹1L+/mo) wanting an OD-against-salary facility, plus self-employed customers using FD or property collateral for working-capital smoothing. Lower ticket sizes than LAP but higher conversion velocity. Many bankers post overdraft leads when their own bank's product is uncompetitive on rate or limit — claiming bankers usually win on either speed or relationship pricing.