Pictures of Point Bar Sequence -

Any fluid, including water in a stream, can only flow around a bend in vortex flow. In vortex flow the speed of the fluid is fastest where the radius of the flow is smallest, and slowest where the radius is greatest. (Tropical cyclones, tornadoes, and the spinning motion of water as it escapes down a drain are all visible examples of vortex flow. ) In the case of water flowing around a bend in a stream the secondary flow in the boundary layer along the floor of the stream does not flow parallel to the banks of the stream but flows partly across the floor of the stream toward the inside of the stream (where the radius of curvature is smallest). This movement of the boundary layer is capable of sweeping and rolling loose particles including sand, gravel, small stones and other submerged objects along the floor of the stream toward the point bar.