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The following are steps on how the ox-bow lake is formed
- a river stars to meander on a flood plain
- lateral erosion occurs on the outer side of the bend while deposition takes place on the inner bank
- lateral erosion leads in the reduction of the neck of land between adjacent bends
- the neck of land is eventually worn away
- deposition of the meander side especially during the floods blocks off the meander
- the river abandons the meander and follows the new shortcut that was the neck of the land
- the abandoned meander with its water forms an ox-bow lake
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