India's banking sector is facing significant challenges as depositors increasingly shift their funds to the stock market. This trend has raised concerns within the government, highlighting a growing competition between banks and market investments for retail investors. Financial experts, including Vikas Khemani of Carnelian Asset Management, advise investors to focus on companies with strong fundamental growth rather than waiting for market corrections. The situation underscores the urgent need for banks to adapt to changing investor preferences in order to retain their customer base.