Ganesh Mantra Sadhana For Debt Relief ऋणहरगणपतिस्तोत्र प्रयोग
During an auspicious moment, specifically in Sarvarth Siddhi Yoga or Amrit Siddhi Yoga, bring the sacred idol of Lord Ganesha and conduct a meticulous worship following prescribed rituals.
Sit facing north on a comfortable woolen or kusha grass mat, using a rosary adorned with 108 beads of red sandalwood, coral, turmeric, or a conch shell for the chanting ritual. Perform the mantra recitation during the night.
It’s recommended to settle a small portion of any outstanding debts on Tuesday. Before initiating this practice, ensure a precise and reverent execution of the worship rituals, followed by the dedicated recitation of the mantra.
Note: Mantras often have cultural and religious significance, and translations may not fully capture the depth of their meanings. The provided translation is a general interpretation.
विनियोगः-
ॐ अस्य श्रीऋण हरण कर्तृ गणपति मन्त्रस्य सदा शिव ऋषिः , अनुष्टुप छन्दः , श्रीऋण हर्ता गणपति देवता , ग्लौं बीजं , गं शक्तिः , गों कीलकं , मम सकल ऋण नाशार्थे जपे विनियोगः ।
“Om, the sage for this mantra is always Lord Shiva, in the Anushtup meter. The deity is Lord Ganesha, the remover of obstacles. The seed (Bija) is ‘Glaum,’ the power (Shakti) is ‘Gam,’ the pin (Keelak) is ‘Gom.’ This mantra is chanted for the complete dissolution of all my debts.”
ऋष्यादि न्यासः-
सदा शिव ऋषये नमः शिरसि , अनुष्टुप छन्दसे नमः मुखे , श्रीऋण हर्ता गणपति देवतायै नमः हृदि , ग्लौं बीजाय नमः गुहये , गं शक्तये नमः पादयो , गों कीलकाय नमः नाभी , मम सकल ऋण नाशार्थे जपे विनियोगाय नमः अच्जलौं ।
Note: Nyasa is a ritual practice in which different parts of the body are associated with specific aspects of the mantra, and it is often performed as a form of meditation or worship in Hindu traditions.
“To the eternal sage Shiva, I bow in the head; to the meter Anushtup, I bow in the face; to the deity Ganapati, the remover of obstacles, I bow in the heart; to the seed ‘Glaum,’ I bow in the secret space; to the power ‘Gam,’ I bow in the feet; to the pin ‘Gom,’ I bow in the navel. For the complete dissolution of all my debts, I bow to the practice of chanting, with the offering ‘Achjalaum.'”
कर न्यासः-
ॐ गणेश अंगुष्ठाभ्यां नमः , ऋण छिन्धि तर्जनीभ्यां नमः , वरेण्यं मध्यमाभ्यां नमः , हुं अनामिकाभ्यां नमः , नमः कनिष्ठिकाभ्यां नमः , फट् कर तल कर पृष्ठाभ्यां नमः ।
Kar Nyasa (hand gesture invocation) for the given mantra:
“Om, I bow to Ganesh on the thumb, may he remove my debts; on the index finger, I bow to the chosen one; on the middle finger, I bow to the most excellent; on the ring finger, I bow to ‘Hum’ (a mystical sound); on the little finger, I bow to the one who is worshipped; with the snap of the fingers, I bow to the back and front of the hand.”
Note: Kar Nyasa involves associating different parts of the hand with specific aspects of the mantra or deity, and it is often performed as a ritualistic practice in Hindu traditions.
षडंग न्यासः-
ॐ गणेश हृदयाय नमः , ऋण छिन्धि शिरसे स्वाहा , वरेण्यं शिखायै वषट् , हुं कवचाय हुम् , नमः नेत्र त्रयाय वौषट् , फट् अस्त्राय फट् ।
Shadanga Nyasa (six-part invocation) for the given mantra:
“Om, I bow to Ganesh in the heart; may he remove my debts, offering to the head; to the chosen one, I offer on the crest (Shikha); ‘Hum’ is the armor (Kavacha); I bow to the three eyes, with the mystic syllable ‘Vauṣaṭ’; with the snap of fingers, I offer to the weapon (Astra).”
ध्यान :-
ॐ सिन्दूर – वर्ण द्वि – भुजं गणेशं , लम्बोदरं पद्म – दले निविष्टम् । ब्रह्मादि – देवैः परि – सेव्यमानं , सिद्धैर्युतं तं प्रणमामि देवम् ।।
Lord Shri Ganesha, the destroyer of obstacles, radiates a brilliance akin to vermilion. He has two arms, a potbelly, and sits gracefully on a lotus. Deities like Brahma are devotedly in his service, and he is associated with the community of siddhas. I offer my salutations to such revered Lord Ganesha.
आवाहन इत्यादि कर पञ्चोपचारों या मानसिक पूजन करे ।
Following this, one should recite the following hymn regularly. While chanting the hymn, continue offering yellow rice colored with saffron or turmeric to the Shri Ganapati yantra or Ganesh idol as a symbol of devotion.
स्तोत्र पाठ :-
सृष्ट्यादौ ब्रह्मणा सम्यक् पूजितः फलसिद्धये ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ १॥
त्रिपुरस्यवधात् पूर्वं शम्भुना सम्यगर्चितः ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ २॥
हिरण्यकशिप्वादीनां वधार्ते विष्णुनार्चितः ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ ३॥
महिषस्य वधे देव्या गणनाथः प्रपूजितः ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ ४॥
तारकस्य वधात् पूर्वं कुमारेण प्रपूजितः ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ ५॥
भास्करेण गणेशो हि पूजितश्च स्वसिद्धये।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ ६॥
शशिना कान्तिवृद्ध्यर्थं पूजितो गणनायकः ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ ७॥
पालनाय च तपसां विश्वामित्रेण पूजितः ।
सदैव पार्वतीपुत्रः ऋणनाशं करोतु मे ॥ ८॥
इदं ऋणहरं स्तोत्रं तीव्रदारिद्र्यनाशनम् ।
एकवारं पठेन्नित्यं वर्षमेकं समाहितः ॥ ९॥
दारिद्र्यं दारुणं त्यक्त्वा कुबेरसमतां व्रजेत् ।
फडन्तोऽयं महामन्त्रः सार्धपञ्चदशाक्षरः ॥ १०॥
मन्त्रो यथा-
ॐ गणेश ऋणं छिन्धि वरेण्यं हुं नमः फट् ।
इमं मन्त्रं पठेदन्ते ततश्च शुचिभावनः ॥ ११॥
एकविंशति सङ्ख्याभिः पुरश्चरणमीरितम् ।
सहस्रावर्तनात्सम्यक् षण्मासं प्रियतां व्रजेत् ॥ १२॥
बृहस्पतिसमो ज्ञाने धने धनपतिर्भवेत् ।
अस्यैवायुतसङ्ख्याभिः पुरश्चरणमीरितम् ॥ १३॥
लक्षमावर्तनात्सम्यग्वाञ्छितं फलमाप्नुयात् ।
भूतप्रेतपिशाचानां नाशनं स्मृतिमात्रतः ॥ १४॥
इति श्रीकृष्णयामलतन्त्रान्तर्गतं ऋणहरगणपतिस्तोत्रं सम्पूर्णम्
This is a Stotra (hymn) dedicated to Lord Ganesha for the removal of debts. Here is a English translation:
- In the beginning, Lord Brahma worshipped properly for the accomplishment of goals. May the son of Parvati, always, remove my debts.
- Before the destruction of the Tripura demons, he was well worshipped by Lord Shiva. May the son of Parvati, always, remove my debts.
- For the killing of Hiranakashipu and others, he was worshipped by Lord Vishnu. May the son of Parvati, always, remove my debts.
- During the slaying of the demon Mahisha, the Lord of hosts was duly worshipped. May the son of Parvati, always, remove my debts.
- Before the killing of the demon Taraka, he was worshipped by the young Kumara. May the son of Parvati, always, remove my debts.
- Ganesha, worshipped by the Sun, for his accomplishment. May the son of Parvati, always, remove my debts.
- Worshiped by the moon for the increase in brightness. May the son of Parvati, always, remove my debts.
- Worshipped by Sage Vishwamitra for the protection of his penance. May the son of Parvati, always, remove my debts.
- This debt-removing hymn is intense and destroys poverty. Reciting it once every day with focus, for one year, brings concentration.
- Renouncing extreme poverty, one attains equality with Kubera. This powerful mantra consists of fifteen syllables.
- The mantra is as follows: “Om Ganesh Rinam Chhindhi Varenyam Hum Namah Phat.” One who recites this mantra, being pure, attains prosperity.
- By practicing the purascharana (ritual repetition) twenty-one times with the proper count, and by sincerely completing one thousand repetitions, one should gain the favor.
- Equivalent to the count of Brihaspati, one becomes wealthy and gains knowledge. By practicing the purascharana with the count of one crore, one should gain favor.
- With the repetition of one lakh, as desired, one should attain the desired fruit. This recitation alone is the destroyer of ghosts, spirits, and other supernatural entities.
मन्त्र:- ‘ॐ गणेश ऋणं छिन्धि वरेण्यं हूँ नमः फट् । “Om Ganesh Rinam Chhindhi Varenyam Hum Namah Phat.”
Upon completing the prescribed number of repetitions for the mantra, conduct a ceremonial havan. Blend sesame seeds, sugar, rice, barley, mustard seeds, mustard oil, banana, frankincense, turmeric, black pepper, dry ginger, and dhoop samagri for this ritual.
Offer this amalgamation into the sacred fire using bel or gular wood. Subsequently, perform tarpan with water, facing the south direction. In case organizing a havan is impractical, ensure to carry out the tarpan ritual.
Post these rituals, arrange a nourishing meal for a Brahmin, and if feasible, extend a donation according to your means.
