What does the cryptic crossword clue "Riverbank creature having earth in Buddhist temple (5,3)" mean?

The definition is "Riverbank creature". The wordplay uses a container (one word inside another). TERRA (synonym="TERRA") in WAT (synonym="WAT") = WATER RAT; definition: "Riverbank creature" The answer is WATER RAT.

Riverbank creature having earth in Buddhist temple (5,3)

Times Cryptic #28825 | 16 Down | 2024-01-29 flower

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