Think of it as a home loan in reverse. Instead of you paying EMIs to a bank, the bank pays you either monthly, quarterly, or as a lump sum against the value of your house or apartment.

Over the past five years, India's banking landscape has quietly transformed. While term deposits continue to grow, the balance of where people choose to park their savings is shifting. This post explores the reasons behind this trend, what it means for depositors, and why your money remains safe, regardless of where you bank.