让手机端生成更快速，通过智能调度和预测式解码提升性能。

Performing Retrieval-Augmented Generation (RAG) directly on mobile devices is promising for data privacy and responsiveness but is hindered by the architectural constraints of mobile NPUs. Specifically, current hardware struggles with the variable workloads intrinsic to RAG: the transition between processing extensive contexts and generating tokens incurs significant overhead due to static graph constraints, while the memory-bound generation phase leaves computational resources underutilized. In this work, we propose a holistic acceleration framework sd.npu, designed to maximize NPU efficiency for on-device RAG ecosystem. To address the latency caused by NPU graph switching during phase transitions, we introduce a pipelined execution strategy. This approach masks the overhead of model reconfiguration by parallelizing the loading of decoding graphs with the computation of partitioned context chunks (chunked prefill), thereby ensuring continuous execution flow. Furthermore, to mitigate low hardware utilization during the decoding phase, we develop an NPU-centric speculative decoding mechanism. By calibrating generation distributions and extending draft sequences, our method effectively converts idle NPU cycles into valid token throughput. Experiments on commercial smartphones show that our framework significantly outperforms existing baselines, delivering 1.06$\times$--3.81$\times$ speedups and 1.07$\times$--4.71$\times$ energy savings across various RAG tasks.