International Journal of Scientific Research and Engineering Development

A reverse mortgage is a financial service that allows senior citizens to unlock the value of their residential property and receive a consistent stream of income while continuing to continue residing in their homes. This study investigates the determinants that affect the acceptance of reverse mortgage products, identifies the major potential risks related to reverse mortgage lending, and assesses the determinants influencing their profitability for financial institutions. The research is relies on secondary information obtained from academic publications, journals, reports, and other published sources. results indicate that financial literacy, growth in property value, interest income, borrower longevity, and effective risk management have a considerable influence in influencing both the adoption and profitability of reverse mortgage products. The study concludes that reverse mortgages have strong potential to enhance the financial well-being of senior citizens while creating sustainable long-term revenue opportunities for financial institutions, provided there is greater awareness, supportive regulatory policies, and effective risk management practices.

Mr. B V Srinatha, Dr. Shailaja M L, "A Study on Risk Assessment and Profitability of Reverse Mortgage Products for Financial Institutions" International Journal of Scientific Research and Engineering Development, V9(4): Page(288-296) May-June 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.