Savings accounts are the first product in every customer relationship, and the easiest to switch when service slips. The leads here include first-job switchers wanting a digital-native salary account, premium-tier customers tired of low debit-card rewards, and HNI families upgrading to private-banking savings accounts. Volume is heavy in Tier-1 cities and around quarterly hiring cycles. Conversions are quick — usually within days — and a successful claim often opens the door to credit cards, FDs, and home loans in the same customer.