There are many reasons for people not depositing their money in banks. After the financial crunch, even ordinary people facing problems during demonitization is one of the main reasons for them to have lost trust in banks. Now, at present, everytime one visits an ATM there is invariable a 'no cash' sign there. At banks there are long queues of people waiting to draw money. Moreover, charges for services by banks is adding to the woes. Even salaried employees are withdrawing huge sums in the beginning of the month and preserving their money in almirahs, rather than visit banks or ATMs several times.