In a recent communication to the Parliament, the Finance Ministry of India has underscored the risks associated with households shifting their deposits to market-linked instruments. The ministry has pointed out the potential financial losses and liquidity challenges that banks could face as a result of this trend. This communication sheds light on the importance of ensuring stability and security in the financial sector amidst changing consumer behavior. It serves as a reminder of the need for a balanced approach to investment decisions to safeguard the interests of both depositors and financial institutions. As households explore alternative investment options, it is crucial for regulators and policymakers to closely monitor the evolving market dynamics to mitigate potential risks. This development underscores the significance of maintaining a robust and resilient banking system to uphold the trust and confidence of depositors. By staying informed about the implications of shifting deposits to market-linked instruments, stakeholders can make well-informed decisions to promote financial stability and sustainability in the long term.