Lakshmi Narayana Hrudayam

Sri Lakshmi Narayana Hrudayam
[Heart of Lakshmi and Narayana]
Translated by P. R. Ramachander


This great prayer has two distinct parts viz Narayana Hrudayam and Lakshmi Hrudayam and occurs in a book called Atharva Rahasya [the secret Atharva]. For thousands of years this great prayer was kept as extremely secret as the prayer itself tells that it should not be taught indiscriminately. With the opening up of Hinduism, this book is available now. The stotras have been published in Sanskrit as well as Tamil by Lifco Publishers, Chennai. An extensive commentary of this great work has been done by a team of great Vaishnavite scholars headed by Dr. Saroja Ramanujam:

My attempt in translation is based on the book published by Lifco Publishers with lot of help from the translation and commentary of Dr. Saroja Ramanujam.

The book has two parts viz Narayana Hrudayam and Lakshmi Hrudayam. It is told in the book itself that the proper method of reading it is to first read Narayana Hrudayam, then Lakshmi Hrudayam and then again Narayana Hrudayam. It is suggested that these should be got from a great Guru. If this is not possible, it would be better to go to a temple where there is a Sannidhi of Swami Hayagreevar along with Lakshmi, offer salutations and create a belief in your mind that you have learnt it from that God i. e. assume that God is your Guru.

In the last stanzas of this great work, the benefits of which would accrue on reading this prayer, is mentioned. Apart from being showered all types of wealth, it also is capable of making timid children intelligent.

I have included the Dhyana, Nyasa etc from the Lifco publication. I do not know the correct way in doing them. So if you are going to chant them it would be better to know the procedure from a Vedic Scholar. There is no harm to leave them out or read them without any actions.


Asya Lakshmi Narayana Hrudaya stothra maha manthrasya,
Bharghavan rishi,
Anushtup Chanda,
Lakshmi Narayano devatha.
Narayana preethyartham jape viniyoga

For the great prayer called "Lakshmi Narayana's Heart",
The sage is Bhargava, the meter is Anushtup,
The God addressed is Lakshmi as well as Narayana,
And this is being chanted to please Lord Narayana

Kara Nyasa

Narayana Param jyothirrithi Angushtabhyam Namah,
Nara yana Param Brahmethi tharjaneebhyam Namah,
Narayana paro deva ithi madhyamabhyam Namah,
Narayana param dhamithi anamikabhyam Namah,
Narayana paro Dharma ithi Kanishtikabhyam Namah,
Viswam Narayana ithi kara thala kara prushtabhyam Namah

Anga Nyasa

Narayana Par am jyothirrithi Hrudayata Namah,
Nara yana Param Brahmethi Sirase swaha,
Narayana paro deva ithi Shikhayai voushat,
Narayana param dhamithi kavachaya hum,
Narayana paro Dharma ithi Nethrabhyam voushat,
Viswam Narayana ithi Asthraya phat,

Bhoorbaswarom ithi Dig Banda

Dhyanam (Meditation)

Udhyad adithya sankasam peethavasam chathur bhujam,
Sanka Chakra gadha pani dyayo Lakshmi pathim harim.

I meditate on Lord Hari, who shines like the morning Sun,
Who wears yellow cloths, who has four hands,
Who holds conch, wheel and mace in his hands.

Trilokya adhara chakram thadhu pari kamatam thathra chanantha bhogi,
Than madhye bhoomi padma angusa shikara dalam karnika bhootha merum,
Thathrathyam santha murthi mani maya makutam kudaloth bhasithangam,
Lakshmi narayanakhyam sarasija nayanam sathatham chinthayama

I always meditate on Lakshmi and Narayana, who are peaceful,
Who wear gem studded crowns with shining ear globes.
Who are the basic axis of the world, sitting on the tortoise,
Which leads to endless pleasures and are located on a lotus,
Which has a main petal which is like the goad over the,
Pericarp of the lotus sitting on it like Mount Meru.

Asya Narayana Hrudaya stothra maha manthrasya,
Brahma rishi,
Anushtup Chanda,
Narayano devatha.
Narayana preethyartham jape viniyoga.

For the great prayer called "Narayana's Heart",
The sage is Brahma, the meter is Anushtup,
The God addressed is Narayana,
And this is being chanted to please Lord Narayana.

Sri Narayana Hrudayam

1. Om Narayanah paramjyotiraatma narayanah paraa
Narayanah parambrahma narayana namostute.

Narayana is the divine light and our soul is divine Narayana,
Narayana is the divine Brahman and I salute Narayana.

2. Narayanah parodevo dhatha narayanah paraha
Narayanah parodhyata narayana namostute.

Narayana is the divine God and Narayana is the divine giver,
Narayana is the supreme support and I salute Narayana.

3. Narayanah paramdhama dyanam narayanah paraha
Narayanah parodharmo narayana namostute.

Narayana is the divine abode and is the object of meditation.
Narayana is the divine Dharma and I salute Narayana.

4. Narayanah parodevo vidya narayanah paraha
Viswam narayana ssakshaath narayana namostute;

Narayana is the divine God and he is the education,
Narayana is the real universe and I salute Narayana.

5. Narayanad vidhir jato jato narayanad bhavaha
Jato narayanad indro narayana namostute.

From Narayana was born the Brahma and Shiva and,
Indra was born to Narayana and I salute Narayana.

6. Ravir narayana stejah chandro narayanomahaha
Vahnirr narayana ssakshaath narayana namostute;

Sun shines because of Narayana and moon gets light from Narayana,
And the fire is really Narayana and I salute Narayana.

7. Narayana upaasya syaad gurur narayanah paraha
Narayanah parobodho narayana namostute;

Narayana has to be meditated as he is our Supreme Guru,
Narayana is the highest wisdom and I salute Narayana.

8. Narayana param mukhyam siddhi narayanah sukham
Harir narayana shudhih narayana namostute.

Narayana is the divine necessity and he gives us pleasure,
And Narayana is purity and I salute Narayana.

9. Nigama vedhithanantha kalyana guna varidhe,
Narayana Namosthasthu nara karnava tharaka

Oh Ocean of good qualities enumerated in the Vedas,
Oh God, who helps me cross hell, my salutations to Narayana

10. Janma mruthyu jara vyadhi para thanthrayadhibhi sada,
Doshairaspashta roopaya Narayana Namosthuthe

Oh God, who is not touched by birth, death, old age and diseases,
Which arise out of the bondage, my salutations to Narayana.

11. Veda Sasthrartha Vijnana sadhya bhakthye khagochara,
Narayana namosthesthu, Mamudhara bhavarvath.

Oh God, who can only be seen by devotion arising out of,
The knowledge of Vedas and Sasthras, my salutation to Narayana,
I request you to lift me out of the hell of domestic life.

12. Nithyananda mahodhara parathpara jagad pathe,
Narayana namosthesthu Moksha samrajya dhayine

Oh God of everlasting joy, who is extremely benevolent,
Oh God, who is higher than the highest and Lord of the universe,
Oh God, who gives us salvation, my salutations to Narayana.

13. Aabrahmasthamba paryantham Akhilathma mahasraya,
Sarva bhoothathma bhoothathman, Narayana namosthuthe

Oh God, who is in all things from a grass to Lord Brahma,
Oh God, who is in every being in this world, my salutations to you.

14. Palithasesha lokaaya, punya Sravana keerthana,
Narayana namosthesthu, pralayodhaka sayine.

Oh God, who protects the world, chanting, whose name leads to blessings,
Oh God, who sleeps on the ocean of milk at deluge, my salutations to Narayana.

15. Nirastha sarva doshaya bhakthyadhi guna dhayine,
Narayana namosthesthu, thwam vina nahi may gathi.

Oh God, who removes all defects and showers good characters on us,
I salute Narayana because I do not have any other refuge other than him.

16. Dharma artha kama mokshascha purushartha pradhayine,
Narayana namosthesthu punasthesthu namo Namah.

Oh God, who bestows Purusharthas like Dharma, wealth, passion and salvation,
My salutations to Narayana, Again and again my salutations to him.

Atha Prarthana [Now Prayer]

17. Narayana thwame vasi daharakhya hrudhi sthitha,
Preritha prerya maanaanaam, thwaya preritha manasa.

Oh Narayana you live in the sky of my mind,
You are the driving force behind all my actions,
And my mind also is guided by you only.

18. Thwad aajnaam sirasa kruthwa bhajami jana pavanam,
Nanopasana marganaam Bhava krud Bhava bhodhaka.

I would obey your orders which purify people absolutely,
Oh God, who has created several methods of serving you,
You are the one, who also teaches how to do them.

19. Bhavartha krud bhava atheetho bhava soukhya adho mama,
Thwan maya mohitham viswam thwayaiva parikalpitham

Oh God beyond thought you give me meaning of everything,
The world created by you is filled with your illusion, grant me a pleasant life.

20. Thwad aadhishta mathrena saa vou sarvartha karini,
Thwameva tham puraskruthya mama kaamaan bamarthaya

By a mere thought by you, everything that leads to happiness are done,
And so you, yourself take a decision and fulfill my desires.

21. Na may thwadanya sthrathaasthi thwada anyanna hi daivatham,
Thwadanyam hi nahi jaanami palakam punya vardhanam

I do not have any one except you to protect me,
I do not have any other God except you,
I do not know anything except you,
Who looks after me and add to my blessings.

22. Yavad samsariko bhavo manasstho bhavanathmaka,
Thavath sidhir bhaved saadhya sarvadha sarvadha vibho.

That thoughts which arise out of my mind, oh God, who is in my mind,
Should be fulfilled always and always, oh my lord.

23. Paapinam aham yekagro, dhayallooonam thwam agrani,
Dhayaneeyo madhanyosthi thava ko athra jaga thraye.

I am a very great sinner and you the top among the merciful,
And in all the three worlds none deserves your mercy more than me.

24. Thwayaham naiva srushtascheth, na syatthava dayalutha,
Aamayo vaa na srushtasched oushadasya vrudhodhaya.

If you had not created me, there would not be any client for your mercy,
Similar to the fact that if there were no diseases, there is no need for medicine.

25. Papa sangha parisrantha papathma papa roopa druk,
Thwadanya kothra papebhya, thrathasthi jagadhi thale.

To the one tired of committing sins, to the sinner,
And to him, who sees only sins everywhere,
There are none except you to protect them in this world.

26. Thwameva matha cha pitha thwameva,
Thwameva banduscha sakha thwameva,
Thwameva sevyascha guru thwameva,
Thwameva sarvam mama deva deva

You are my mother, you are my father,
You are my relative, you are my friend,
You are one to be served, you are my teacher,
Oh God of Gods you are everything to me.

Phala Sruthi [Benefits of Recitation]

27. Prathana Dasakam chaiva moolashtaka matha param,
Ya padeth srunuyan nithyam, thasya Lakshmi sthira bhaved.

If the ten verses of prayer as well as the basic octet describing Narayana
Are read or heard daily, it would make Goddess Lakshmi live permanently be there.

28. Narayanasya hrudayam sarvabheeshta phala pradham,
Lakshmi hrudayakam stotram yadhi chaithadwina krutham,

29. Thath phalam nish phalam proktham Lakshmi krudhyathi sarvadha,
Yethad sankalidham stotram sarvabheeshta phala pradham.

The Narayana Hrudayam which would fulfill all one's desires,
If Lakshmi Hrudayam is read immediately after it,
But would not lead to any result as Goddess Lakshmi would otherwise get angry,
But if they are read together, all desires would be fulfilled.

30. Japeth Sankalitham kruthwa sarvabheeshtamavapnuyath,
Narayanasya Hrudayam aadhou japthwa Thatha param.

31. Lakshmi hrudayakam stotram Japen Narayanam puna,
Punar Narayanam japthwa punar Lakshminutheem japeth.

Reading them together would lead to fulfillment of all desires,
First Narayana Hrudayam should be chanted and then,
The prayer called Lakshmi Hrudayam chanted and later again,
Narayana Hrudayam should be chanted to get blessings of Lakshmi.

32. Thdwad homadhikam kuryath yethad sankalitham shubham,
Yevam madhye dwivarena japeth sankalitham ashubham.

Similarly it would be beneficial that they are read together,
Even while performing Homa for reading Narayana Hrudayam,
Reading it twice without Lakshmi Hrudayam in the middle is inauspicious.

33. Lakshmi hrudayake stotre sarva manyath prakasitham,
Sarvan kamanavapnothi aadhi vyadhi bhayam hareth.

The Lakshmi Hrudayam is completely given now onwards,
And this would fulfill desires and remove worry, diseases and fear.

34. Gopyamethad sada kuryath na sarvathra prakasayed,
Ithi guhyathamam sasthram proktham Brahmadhibhi puraa.

This prayer should be kept secret and should not be told to every one,
As this is a very secret treatise was expounded in ancient times by Brahma.

35. Lakshmi hrudaya prokthena vidhinaa sadhayeth sudhee,
Thasmad sarva prayathnenasadhayeth gopayeth sudhee.

The rules as told in the Lakshmi Hrudaya should be observed,
And one should take all efforts to keep them as secret.

36. Yathraithath pusthakam thishteh, Lakshmi Narayanathmakam,
Bhootha paischa Vetala Bhayam naivathu sarvadha.

Where this book about Lakshmi and Narayana is there,
There would not be any fear by all evil spirits and ghosts.

37. Bhrugu vare thadha rather poojayeth pusthaka dhwayam,
Sarvadha sarvadha sthuthyam gopayethg sadhayeth sudhee,
Gopanaath sadhanaa loke dhanyo bhavathi thathwatha.

These two books should be worshipped on Friday night,
And always and always the prayer should be secretly guarded,
And by keeping it secret one would definitely get blessed.

Ithi Atharva rahasye Uthara bhage Sri Narayana Hrudayam samaptham

Thus ends the book called Narayana Hrudaya from the later part of Atharva Rahasya.

Sri Lakshmi Hrudayam

Hari Om, Asya sri aadhyadhi sri Maha Lakshmi hrudaya stotra maha manthrasya,
Bharghava Rishi, anushtubadhi Chanda,
Aadhyadhi Sri Maha Lakshmi prasada sidhyarthe jape viniyoga

Hari om, for the great prayer called "Maha Lakshmi's heart", the sage is Bhargava, meter is Anushtup and others; this is being chanted to please Goddess Maha Lakshmi.

Srim Bheejam, Hreem Shakthi, iym keelakam,
Aadhyadhi Sri Maha Lakshmi prasada sidhyarthe jape viniyoga

The root is Sreem, the power is Hreem, Iym is the stopper And this is being chanted to please Goddess Maha Lakshmi.

Om "Aadhyadhi Sri Maha Lakshmi Devathayai Namah"
Hrudaye Sreem bheejayai Namah "Guhye", "Hreem Shakthyai Namah", Padayo "Iym Balayai Namah" Moordhadhi pada paryantham vinyaseth.
Om Sreem, Hreem Iym kara thala parswayo, Srim Angushtabhyam Namah,
Hreem Tharjaneebhyam Namah Iym Madhyamabhyam Namah,
Sreem Anamikabhyam Namah Hreem Kanishtikabhyam Namah,
Iym kara thala kara prushtabhyam Namah
SReem hrudayaya Namah, Hreem Sirase swaha, Iym shikayai Voushat,
Sreem Kavachaya Namah, Hreem kanishtikabhyam Namah,
Iym kara thala kara prushtabhyam Namah.

Atha Dhyanam

Hastha dwayena kamala dharayanthim swaleelaya,
Hara noopura samyuktham Maha lakshmim vichintheyeth 1

I think about Maha Lakshmi, who holds lotus flowers in her two hands,
And, who wears necklaces and anklets.

Kouseya peetha vasana maravinda nethram,
Padma dwayabhya varodhyatha padma hastham,
Udhyach sankha sadrusaam paramanga samstham,
Dhyayed vidheesanath pada yugaam janithrim. 2

I meditate on the two feet of mother determining our fate,
Who sits on a seat covered by silk, who has lotus like eyes,
Who shows protection and blessing by her lotus like hands,
And, whose entire body looks like the newly emerging conch,

Manthra [Chant]

Sri Lakshmi kamala dharinyai Simha vahinyai swaha.

I pray Lakshmi, who holds lotus flower and rides on a lion

[This should be chanted 10 or 16 or 32 or 56 or 108 times.]

Peetha vasthram suvarnangim padma hastha dwayanvithaam,
Lakshmim dhyathvethi manthrena sa bhaved prithvi pathi. 3

He, who prays Goddess Lakshmi, who wears yellow silk,
Who holds two lotus flowers in her two hands,
With the above chant would become a king.

Mathulunga Gadha kete panou pathrascha vibhrathi,
Vaga lingascha maanascha vibhrathi nrupa moordhani 4

She shines holding a citrus fruit, mace, and a shield in her hands,
She shines on the forehead of the king, who respects Vaaga Linga.

Om Sreem Hreem Iym

1. Vande Lakshmim para siva mayeem Shuddha Jamboona dhaabhaam,
Thejo ropaam kanaka vasanaam sarva bhooshojwalangeem,
Bheejaapooraam kanaka kalasam hema padmam dhadhaanaam,
Aadhyam shakthim sakala jananim sarva mangalya yuktham.

Salutations to Lakshmi, who is personification of divinity, who is of the colour of pure Gold,
Who has a shining form, who cloths herself in gold colour apparel, who wears all ornaments,
Who holds a golden pot full of pomegranate seeds, as also a lotus made of gold,
Who is the primeval power, mother of all and who has all auspicious things.

2. Srimath Soubhagya jananim sthoumi Lakshmim sanathanim,
Sarva kama phalavapthi sadhanaika sukha vahaam.

I praise Goddess Lakshmi, who is the progenitor of all luck, who existed always,
Who gives us happiness and pleasure by fulfilling all our wishes.

3. Smarami nithyam devesi, thwaya preritha manasa,
Thwadagnam sirasa dhruthwa Bhajami parameswarim.

Due to my mind being directed by you, I remember you daily,
Carrying out all your orders perfectly and sing about you.

4. Samastha sampath sukhadam Mahasriyam,
Samastha kalyani karim Mahasriyam,
Samastha soubhagya karim Mahasriyam,
Bhajamyaham Jnanakarim Mahasriyam.

I sing about Maha Lakshmi, who gives all knowledge,
Who is Maha Lakshmi, who gives all wealth and pleasure,
Who is Maha Lakshmi, who gives all auspiciousness,
And, who is Maha Lakshmi, who gives all sort of luck.

5. Vijana sampath sukhadam Mahasriyam,
Vichithra vag bhoothikarim manoramam,
Anantha soubhagya sukha pradayineem,
Namahmyaham bhooothikarim haripriyam.

I salute the darling of Hari, who gives joy to the heart,
Who is the Maha Lakshmi, who gives all wealth and pleasures,
Who is the bewitcher of the mind, who blesses with the command over words,
And the one, who blesses us with endless pleasures.

6. Samastha bhotha anthara samsthitha thwam,
Samastha bhaktheswari viswa roope,
Thannasthi yathwad dwayathiriktha vasthu,
Thwad pada padmam praNamahmyam sree.

Oh Goddess Lakshmi, I salute your lotus like feet,
As you are inside every being in this world,
Oh Goddess, who is the God of all devotees and Oh Goddess with mega form,
There in nothing in this world that is not you,

7. Daridhrya dukhouga thamo nihanthri,
Thwad pada padmam mayi sannidhadhathsva,
Deenarthi vichedhana hethu bhoothai,
Krupa kadaksgai rabhishincha maam sri.

Oh Goddess, who destroys the darkness of poverty and sorrow,
Please keep your lotus feet on me,
And shower on me your merciful glance,
Which is the cause of destruction of problems of the down trodden.

8. Vishnu Sthuthi paraam Lakshmim swarna varna Sthuthi priyam,
Varadamabhayadhaam devim vande thwam kamalekshane.

I bow before you Oh lotus eyed one, who is pleased by the praise of Vishnu,
Who is of golden colour and who gives refuge and blesses.

9. Amba praseedha karunaa pari poorna drushtya,
Maam thwath dravina geham imam kurushva,
Aalokaya pranatha hrud gatha soka hanthri,
Thwad pada dhyugalam praNamahmyaham sri.

Be pleased Oh mother and with your merciful looks,
Make my house filled with riches of your mercy,
And please remove the sorrows of those, who bow to you,
And Oh Goddess Lakshmi, I salute your two feet.

10. Shanthyai namosthu saranagatha rakshanayai,
Kanthyai namosthu, kamaneeya gunasrayai,
Kshanthyai namosthu duritha kshaya karanayai,
Dhathryai namosthu dhana dhanya samrudwidhayai.

I salute the peaceful one, who protects those, who surrender to her,
I salute the shining one, who is adorned by attractive qualities,
I salute the patient one, who removes sufferings in a second,
I salute the Goddess earth, who blesses people with money and food.

11. Shakthyai namosthu sasi shekara samsthithayai,
Rathyai namosthu rajani kara sodharaayai,
Bhakthyai namosthu bhavsa sagara tharakayai,
Mathyai namosthu Madhu soodhana vallabhai

I salute the Shakthi, who adorns herself by using the moon,
I salute the very pretty one, who is the sister of moon, the Lord of the night,
I salute the personification of devotion, who helps people to cross the ocean of life,
And I salute her, who is wisdom and who is the consort of killer of Madhu.

12. Lakshmyai namosthu shubha lakshana lakshithayai,
Sidhyai namosthuy sura sidha supoojithayai
Dhrthyai namosthu mama dur gathi bhanjanayai,
Gathyai namosthu vara sad gathi dayakayai.

I salute Lakshmi, who is known by the auspicious signs,
I salute the achiever, who is worshipped by devas and sages,
I salute her with fortitude, who destroys the bad paths that I take,
I salute the guide on the way, who shows me the proper path.

13. Devyai namosthu dhivi deva ganarchithayai,
Bhoothyai namosthu bhuvarthi vinasakayai,
Shanthyai namosthu dharani dhara vallabhayai,
Pushtyai namosthu purushothama vathsalayai.

I salute the Goddess, who is worshipped by hoards of devas,
I salute the bountiful one, who destroys afflictions of the world,
I salute the peaceful one, who is the consort of he, who carries the earth,
I salute the healthy one, who is the darling of Vishnu.

14. Sutheevra daridrya thamopahanthyai,
Namosthuthe sarva bhayapahanthrayai,
Sri Vishnu vaksha sthala samsthithayai,
Namo Namah sarva vibhoothi dhayai.

Salutations to her, who removes all fears,
Who destroys the darkness of intense poverty,
Who lives on the chest of Lord Vishnu,
And salutations to her, who gives all good fortune.

15. Jayathu jayathu lakshmir lakshanalankruthangi,
Jayathu jayathu Padmaa padma sadmabhi vandhyaa,
Jayathu jayathu Vidhyaa Vishnu vamanaga samstha,
Jayathu jayathu samyak sarva sampathkara sri.

Victory and Victory to Lakshmi, who is adorned with ornaments,
Victory and Victory to goddess of lotus, who was worshipped by Brahma,
Victory and Victory to goddess of knowledge, who sits on the left lap of Vishnu,
Victory and Victory to the goddess of all, who blesses with all sorts of wealth.

16. Jayathu jayathu devi deva sanghabhi poojya,
Jayathu jayathu bhadraa Bhasgavi bhagya roopa,
Jayathu jayathu nithya nirmala Jnana vedhya,
Jayathu jayathu sathyaa sarva bhoothantharastha

Victory and Victory to the Goddess, who is worshipped by all devas,
Victory and Victory to Goddess, who safeguards and was born as daughter of Bhrugu,
Victory and Victory to her, who is permanent and gives rise to pure wisdom,
Victory and Victory to her, who is the truth and lives in side all beings.

17. Jayathu jayathu ramya Rathna garbhantharastha,
Jayathu jayathu Shudha shudha Jamboona dhabha,
Jayathu jayathu Kanthaa kanthi mad bhasithangi,
Jayathu jayathu santhaa Seegram aagascha soumye.

Victory and Victory to the pretty one, who is within precious gems,
Victory and Victory to the pure one, who shines like unalloyed gold,
Victory and Victory to the Vishnu's consort, who has shining limbs,
Victory and Victory to the peaceful one, with a request to come quickly.

18. Yasya, kalayya kamaledhbhavadhya,
Rudrascha sakra pramukhascha deva,
Jeevathi sarvepi sasakthayasthe,
Prabhutwamaptha paramayushasthe.

She with her crescents was born out of a lotus,
And Lord Shiva, Lord Indra and others like them,
Are existing with power because of her,
And they get their prominence and longevity from her.

Mukha Bheejam [Chants of the Face]

Om Hraam Hreem Am aam yam Dhum lam vaam

19. Vilekha nitile vidhir mama lipim visrujyantharam,
Thwaya vilikhithavya methadhithi thath phala prapthye,
Thadanthika phala sphutam kamala vasini Sririmaam,
Samarpaya samudhrikaam sakala bhaghya samsoochikaam.

You have to change the letters of fate written by Brahma,
By writing it again in your hand writing so that I would get good results,
And after that for getting better results, Oh Sri Maha Lakshmi,
Please put your mark which denotes luck near it.

Pada Bheejam [Chants of the Feet]

Om Am Aam ee yem yeem kam lam ram

20. Kalaya they yadha a Devi jeevanthi sa characharaa,
Thadhaa sampathkari Lakshmi sarvadhaa sapraseedha may.

Oh Goddess of all moving and non moving things that live by your presence,
And Oh Lakshmi, Goddess of Wealth, always be pleased with me.

21. Yadha vishur dhruvam nithyam swakalaam samnyavesyath,
Thadaiva swakalaam Lakshmi mayi samyak samarpaya.

Similar to Lord Vishnu providing daily a part of him to the heavens,
Oh Lakshmi, you should dedicate your crescent to me in a limited way.

22. Sarva Soukhya pradhe Devi Bhakthaanaam abhaya pradhe,
Achalam kuru yathnena kalaam mayi nivesayath.

Oh Goddess, who grants all comforts and who provides refuge to her devotees,
When you make your crescent enter in me, make it very stable.

23. Mudaastham mathphaale paramapada Lakshmi sphutakalaa,
Sadaa Vaikunta srir nivasathu kala may natanayo,
Vaseth sathye loke mama vachasi Lakshmir vara kala,
Triya shwetha dhwepe nivasathu kala may swakarayo.

Let the clear crescent of Lakshmi, who is in heaven be with me happily,
Let her crescent which is in Vaikunta live in my eyes,
Let her crescent which is in place of Brahma pervade my speech.
And let her crescent which is in white island live in my hands.

Nethra Bheejam [Chants of the Eye]

Om Graam greem grem grime, grom groum gram gra

24. Thavath nnithyam mamangeshu ksheerabhdou Sri kala vaseth,
Soorya chandra masou yavath thavath Lakshmi pathi sriyou.

As long as the crescent of Lakshmi which is in ocean of milk is in my limbs,
Let the Goddess Lakshmi as well as Lord Vishnu be with me till Sun and moon exist.

25. Sarva mangala sampoorna sarva iswarya samanvitha,
Aadhyadhi Sri Maha Lakshmi thwath kala mayi thishtathu.

Oh Goddess in, whom every thing good exists and who has all sorts of wealth,
Oh Primeval Maha Lakshmi, may your crescent be within me.

26. Ajnana thimiram hanthum shudha Jnana prakasika,
Sarva iswarya pradha may asthu thwath kala mayi thishtathu.

Let your crescent which is capable of giving all types of wealth be in me,
And let its divine brilliance destroy the cataract of ignorance in me.

27. Alakshmim harathu lshipram thamas sooryas prabha yadha,
Vithanothu mamasreyas thwath kala mayi samsthithaa.

Let your crescent within me remove my poverty instantaneously like,
The Sun removing darkness with its rays and let it enhance my well being.

28. Iswarya mangaloth pathi thwath kalayam nidheeyathe,
Mayi thasmad krutharthosmi pathramasmi sthithesthava.

Due to your crescent in me, I am getting wealth and good happenings,
I am therefore thankful to you and hope I am a proper dwelling for you.

29. Bhavadavesa bhagyarho bhagyavanasmi Bharghavi,
Thwad prasadath pavithroham loka mathar namosthu they.

Due to your entry in me I am lucky, Oh Daughter of Sage Bhrugu,
Due to your blessing I am purified, my salutations to you mother of the world.

30. Punaasi maam thwath kalayaiva yasmath
Atha samagacha mamaagratha sthwam,
Param padam Sreer bhava suprasanna,
Mayyachyuthena pravisadhi Lakshmi.

You purify me with your crescent and so,
Please come just in front of me,
And Goddess Lakshmi, who is divine, be pleased with me,
And enter within me along with Achyutha.

31. Sri Vaikunta sthithe Lakshmi samagacha mmagratha,
Narayanena saha maam krupa drushtya avalokya.

Oh Lakshmi, who is in Vaikunta, please come before me,
And along with Lord Narayana look at me with mercy.

32. Sathya loka sthithe Lakshmi Thwam mamagacha sannidhim,
Vasudevena sahitha praseda varadhaa bhava.

Oh Lakshmi, who is in Sathya loka please approach me,
Along with Vasudeva and by becoming pleased, bless me.

33. Swetha dweepa sthithe Lakshmi Seegraam aagacha suvruthe,
Vishnunaa sahitha devi Jagan matha praseda may.

Oh Lakshmi, who is in white island, please come quickly with good resolution,
Along with Lord Vishnu and become pleased with me, Oh Mother of the world.

34. Ksheerambudhi sthithe Lakshmi Samagacha samadhave,
Thwath krupa drushti sudhaya sathatham maam vilokaya.

Oh Lakshmi, who is in the ocean of milk, come along with Madhava,
And turn your nectar like look of mercy on me always.

35. Rathna Garbha sthithe Lakshmi, pari poorna hiranmayi,
Samagacha Samaacha Sthith vaasu puratho mama.

Oh Lakshmi, who is the sparkle within gems and who is completely golden,
Come, come quickly and stand in front of me.

36. Sthira bhava maha Lakshmi nischala bhava nirmale,
Prasanna kamale devi prasanna hrudaya bhava.

Be stable Oh Maha Lakshmi, Oh pure one do not move,
Oh Goddess, who is happy in lotus, become pleased with me.

37. Sridhare Maha Lakshmi thwaddhanthastham maha nidhim,
Seegra muddhruthya puratha pradarsaya samarpaya.

Oh Goddess Maha Lakshmi, who has all the wealth, extract all those great treasures,
And come quickly in front of me and give them to me.

38. Vasundhare Sri Vasudhe vasudhokthri krupa mayi,
Thwath kukshi gatha sarwaswam seegram may sampradarsaya.

Oh Goddess earth, oh treasure make flow your riches, merciful one,
And show me all the wealth that you have and bestow them on me.

39. Vishnu priye Rathna garbhe Samastha phaladhe Shive,
Thwath Garbha gatha hemaadheen sampradarsaya darsaya.

Oh Darling of Vishnu, Oh Goddess, who has gems inside you,
Oh peaceful one, who gives everything,
Please exhibit to me, all the Gold and treasures that you have within you.

40. Rasa thala gathe Lakshmi Seegram agacha may pura,
Na jane paramam roopam mathar may sampradarsaya.

Oh Lakshmi, who is in the under world, quickly come before me,
Since I do not know your divine form, mother show it to me.

41. Aavirbhava manovegath, seegram agacha may pura,
Maa vathsa bairiheth yukthwa kamangairiva raksha maam.

Come with the speed of mind and speedily come before me,
Please protect me like the wish giving cow and tell me,
"Dear son, do never be afraid" and protect me.

42. Devi seegram mamagacha, dharani Garbha sasthithe,
Matha sthava bruthya bruthyoham mrugaye thwaam kuthuhalam.

Oh Goddess, who is deep inside the earth, please come to me quickly,
Mother I am your servant of servants, I am waiting you with expectation.

43. Uthishta Jagruhi mayee samuthishta sujagruhi,
Akshayyan hema kalasan suvarnena supoorithaan.

44. Nikshepaan may samakruthya samuddhruthya mamagratha,
Samunnatha naanaa bhoothwa samyakthehi dhara thalaath.

Rise up, wake up, become alert and with pure intentions,
Bring the perennial golden pot filled with gold,
From the bowels of earth outside,
And present them to me with extreme pleasure.

45. Math sannidhim samagcha mada hitha krupa rasaa
Praseedha sreyasam dhoghdri lakshmir may nayanagratha.

Oh Goddess Lakshmi, come in front of me with mercy towards me,
And within my eye sight, and bless me with fame and wealth.

46. Athropavisya Lakshmi thwaam sthiraa bhava hiranmayi,
Susthiraa bhava sampreethya prasanna varada bhava.

Oh Goddess Lakshmi of the golden colour, come and sit before me,
And be firm and stable, be dear to me and give me blessings.

47. Aneethamsthu thwaya devi nidheenvai sampradrsaya,
Adhya kshanena sahasaa dhathwa samraksha maam sadaa.

Oh Goddess, exhibit all the wealth that was brought by you,
And within an instant give all of them to me and protect me

48. Mayi thishta thadha nithyam yadenraadhishu thishtathi,
Abhyam kuru mau devi Maha Lakshmi Namosthu they.

Please stay within me like your usual stay with Indra and others,
Give me refuge, oh Goddess, my salutations to Maha Lakshmi.

49. Samagacha maha Lakshmi shudha jaambu nadha sthithe,
Praseeda puratha sthithwa pranatham maam vilokaya.

Come Oh Maha Lakshmi, who stays in pure Gold,
And staying here bless me, who is saluting you.

50. Lakshmeer bhuvangatha bhasi yathra yathra hiranmayi,
Thathra thathra sthitha thwamn may thava roopam pradarsaya.

Wherever Goddess Lakshmi is there on earth, she shines like gold,
And let her be there and there itself and show her form to me.

51. Kreedanthi bahudha bhoomou pari poorna krupa mayi,
Mama moordhni the hastha mavilambithamarpaya.

Of Goddess full of grace, wherever you play on this earth,
Please keep your hand on my head without any delay.

52. Phala bhagyodhaye Lakshmi samastha pura vasini,
Praseeda may Maha Lakshmi pari poorna mano radhe.

Oh Lakshmi, who causes the luck to rise, who lives every where,
Be pleased with me, Oh Maha Lakshmi, who fulfils all my wishes.

53. Ayodhyadishu sarveshu, nagareshu samasthithe,
Vaibhavai vividhai yukthai samagacha mudhanvithe.

Oh Goddess, who stays in all towns like Ayodhya,
Please bless me with various types of suitable wealth.

54. Samagacha, Samagacha mamagre bhava susthira,
Karuna rasa nishyantha nethra dwaya vilasini.

Please come and come of stable one in front of me,
Oh Goddess, who shines with a pair of eyes filled with mercy.

55. Sannidhasthwa Maha Lakshmi thwath panim mama masthake,
Karuna sudhaaya maam thwaam abhishichya sthiram kuru

Oh Maha Lakshmi, come and bless me by keeping your hand on my head,
Please anoint me with the nectar and make me stable.

56. Sarva raja gruhe Lakshmi samagacha balanwithe,
Sthithwa aasu puratho me adhya prasadena abhyam kuru

Oh Lakshmi, who is strong, please go and stay in all palaces,
But in spite of staying there, please stay with me and give me refuge.

57. Sadaram masthake hastham mama thwam krupaya arpaya,
Sarva raja sthithe Lakshmi thwad kala mayi thishtathu

Please mercifully keep your hand on my head with love,
Oh Lakshmi, whose crescent is with all kings, let it also be with me.

58. Aadhyaadhi Sri Maha Lakshmi Vishnu vamanga sthithe,
Prathyaksham kuru may roopam raksha maam saranagatham

Oh Maha Lakshmi, who is Aadhi Lakshmi and other forms,
Who sits on the left side lap of Maha Vishnu,
Appear before me and take care of me, who has surrendered to you.

59. Praseeda may Maha Lakshmi supraseedha maha shive,
Achala bhava supreetha susthiraa bhava mad gruhe.

Become pleased with me Maha Lakshmi, who is pleasant and greatly peaceful,
Who is a dear and has a stable character, please stay always in my home.

60. Yavathishtanthi Vedascha yavad chandra divakarou,
Yavad vishnuscha yavad thwam thwad kuru krupaam mayi.

As long as Vedas are there, as long as Sun and moon are there,
As long as Lord Vishnu and you are there, please show mercy on me.

61. Chandree kala yadhaa shukle vardhathe sa dine dine,
Thadha daya they mayyeva vardhatha mabhi varthathaam.

Like the moon growing crescent by crescent in the waxing phase,
Let the mercy that you have to me, increase more and more.

62. Yadha Vaikunta nagare Yadha vai Ksheera sagare,
Thadha madh bhavane thishta sthiram Sri Vishnuna saha.

Permanently stay in my home along with Lord Vishnu,
As you stay in Vaikunta or in the ocean of milk

63. Yoginam hrudaye nithyam yadhaa thishtathi Vishnunaa,
Thadha mad bhavane thishta sthiram Sri Vishnuna saha.

Permanently stay in my home along with Lord Vishnu,
Like Lord Vishnu staying daily in the mind of Yogis.

64. Narayanasya hrudaye bhavathi yadasthe,
Narayano aapi thava hrud kamala yadasthe,
Narayana sthvamapi nithyamubhou thadaiva,
Thou thishtathaam hrudhi mamapi dayanvithou sree.

You are in the heart of Lord Narayana,
He is in the lotus heart of yours,
And let you and Narayana always,
Be in my heart and and be merciful to me, oh Lakshmi.

65. Vijnana vrudhim hrudaye kuru Sree,
Soubhagya vrudheem kuru may gruhe sree,
Daya su vrushteem kurutham mayi sree,
Suvarna vrushtim kuru may kare sri.

Oh Lakshmi increase wisdom in my heart,
Oh Lakshmi increase luck in my house,
Oh Lakshmi shower mercy on me,
Oh Lakshmi rain gold on my hands.

66. Na maam thyajetha Sritha kalpa valli,
Sadbhakthi chinthamani Kama Dheno,
Na maam thyajedha bhava suprasanne,
Gruhe kalathreshu cha puthra varga.

Do not forsake me oh Golden climbing plant of heaven,
Who is wish giving tree and wish gem to her devotees,
Do not leave me out and become pleased with me,
And to my wife and to my children at home.

Kukshi Bheejam [Seed in the Belly]

OM Am Aam ee yem iym

67. Aadhyadhi maye thwamajanda bheejam,
Thwameva saakaara nirakruthisthwam,
Thwayas druthaschabhja bhavanda sanghaa,
Chithram charithram thava devi vishno.

Oh primeval illusion, you are the egg of the universe,
You are the one with form as well as one without form,
You are the one, who supports Shiva, Brahma and others,
And your story is great, Oh Goddess, who is with Vishnu.

68. Brhama rudhradhayo deva vedaschapi na saknuyu,
Mahimanam thava sthothum mandoham saknuyam kadham.

Brahma, Rudra and others and the Vedas
Are not capable to describe your greatness,
And how can I, who am a dull one describe it.

69. Amba thwath vathsa vakhyani sooktha sookthaani yani cha,
Thani sweekuru sarvagne dhayaluthwena sadaram.

Oh Goddess of all, please receive these words of your son,
Whether they are good or not that good,
And look after me with care and mercy.

70. Bhavathim saranam gathwa krutharthassyu purathana,
Ithi sanchithyas manasaa thwaamaham saranam vruje.

Thinking that my forefathers have become indebted to you earlier,
I have completely surrendered my mind to you, oh Goddess.

71. Anantha nithya sukhinaa thad bhaktha sthwath paarayana,
Ithi Veda pramanadhi devi thwam sranam vruje.

The Vedas say that your devotees have endless happiness,
And understanding this saying, I surrender to you, oh Goddess.

72. Thava prathigna mad bhakthaa na nasyanthithyapi kkachid,
Ithi sanchithya sanchithya praanaan sandharayamyaham.

Thinking only about your promise that your devotees,
Would never be destroyed ever, I am holding on to my soul.

73. Thwa dheenasthwaham Matha thwad krupa mayi vidhyathe,
Yava sampoorna kama syam thavaddehi daya nidhe.

Oh Mother, I am yours and so please have mercy on me,
And once you give this, oh treasure of mercy,
I would achieve all my ambitions and wishes.

74. Kshana mathram na saknomi jeevithum thwad krupa vinaa,
Na hi jeevanthi jalaja jalam thyakthwa jalasraya.

Without your grace I will not be able to live for a second,
Similar to the fishes that cannot live without water for a second.

75. Yadha hi puthra vathsalyath Janani prasnutha sthani,
Vathsam thwaritham aagathya sampreenayathi vathsala.

76. Yadhi syathava puthroham Matha thwam yadhi mamaki,
Daya payodhara sthanya sudhabhi rabhishincha maam.

Like a mother storing milk in her due to the affection towards the son,
Rushes towards him and satisfies him speedily,
If you think that I am your son as you are mother of all,
Make me drown in the nectar like milk of your mercy.

77. Mrugyo na guna lesopi mayi doshaika mandhire,
Pamsoonaam vrushti bindhonaam dhoshaanancha na may mathi.

Like the dust particles in the rain drops are beyond counting,
I too am the abode of faults without even a single good quality.

78. Paapinam aham yekagro dhayaloonaam thwamagrani,
Dhyaneeyo madhanyosthi thava kothra jaga thraye.

As I am the greatest sinner and you the first among the merciful,
You would not find any one more deserving than me to receive your mercy.

79. Vidheenaaham na srushtascheth na syathava dhayaluthaa,
Aamayo vaa na srushtasched oushadasya vrudhodhaya.

Had I not been created, there would be no need for your mercy,
For if there are no diseases in the world, medicines would not be needed.

80. Krupa madagrajaa kim they aham kim vaa thadagraja,
Vicharya dehi may vitham thava devi dhayanidhe.

Think about whether your mercy is elder or I am elder,
And Oh ocean of mercy give me wealth.

81. Matha pitha thwam guru sadgathi sree
Thwameva sanjeevana hethu bhootha.
Anyam na manye Jagadeka nadhe
Thwameva sarva mama devi sathyam.

You are my mother, father, teacher and the right path,
You are the only cause of my living in this world,
And Oh only Goddess of the world, I do not see any one else,
And it is true that you are everything to me.

Hrudaya Bheejam [Seed of the Heart]

Om gram greem grom Graim Groum Gra, Hum phat kuru kuru swaha.

82. Aadhyadhi Lakshmir bhava suprasanna,
Vishuddha vijnana sukhiaka dhogdhri,
Ajnana hanthri trigunadhi riktha,
Prajnana nethro bhava suprasanna.

Be pleased, the primeval and other Lakshmis,
Oh Goddess, who is the giver of pure wisdom.
Who is the destroyer of ignorance,
Who is above the three fold characters,
Be pleased and become my eyes of wisdom.

83. Asesha Vag jadya malaapa hanthri,
Navam navam sushtu su vakhya dhayini,
Mamaiva jihwagra suranga varthini,
Bhava prasanna vadane cha may sree.

Oh Goddess, who eradicates ignorance in speech,
Give rise to newer an newer words,
Oh Goddess, who gives good words,
And please stay put at the end of my tongue,
And also be in my face blessing me.

84. Samastha sampathsu viraja mana,
Samastha thejassu vibhasamana,
Vishnu priye thwam bhava dheepya mana,
Vag devatha may vadane prasanna.

You exist and shine in all sorts of wealth,
You are there in everything that shines,
Oh darling of Vishnu, as the goddess of words,
Be present in my face and light it.

85. Sarva pradarsa sakalarth dhe thwam,
Prabha sulavanya daya pradhogdhri
Suva nadhe thwam sumukhi bhava sri,
Hiranmayi may nayana prasanna.

You by your grace and mercy make everything shine,
As your rays of light give light and beauty to them,
Oh Golden one, who is pleasant looking, Oh Goddess Lakshmi,
Oh Golden one please be present in my eyes.

86. Sarvarthadha sarva Jagat prasoothi,
Sarveswari sarva bhayapa hanthri,
Sarvonnathaa thwam sumukhi cha na sree,
Hiranmayi may bhava suprasanna.

Oh Goddess, who gives all types of wealth, who gave birth to this world,
Oh Goddess of everything, who destroys all types of fear,
You are the greatest, most pleasant looking and Goddess Lakshmi,
Oh Golden one become pleased with me.

87. Samastha vighnouka vinasa karini,
Samastha bhakthaoddharane vichakshana,
Anantha sammodha (soubhagya) sukha pradhayini,
Hiranmayi may nayana prasanna.

Oh Goddess, who destroys all obstacles,
Who uplifts all her devotees and grant them,
Clear sightedness and endless lucks and pleasures,
Oh Golden one, be present in my eyes.

88. Devi Praseedha dayaneeya thamaya mahyam,
Devadhinadha bhava deva ganadhi vandhye,
Maathasthadhaiva bhava sannihitha drusor may,
Pathyaa samam mama mukhe bhava prasanna.

Goddess, who is worshipped by Devendra and other devas,
Be pleased with me, who is in a pitiable darkness,
Oh mother let your divine presence be in my eyes,
And along with your husband be present in my face.

89. Maa vathsa bhaira bhayadhana karorpithasthe,
Moulou mamothi mayi dheena jananukambhe,
Matha samarpaya mudhaa karuna kadaksham,
Mangalya bheejamiha na sruja janma matha.

You placed your hand on my head saying,
"My dear child do not ever be afraid"
Because you are merciful to the oppressed ones,
Oh mother, make reach your merciful glances on me,
And make germinate the seed of goodness for us.

Kanda Bheejam [Seed at the Neck]

Om sraam sreem sroom sraim sreem sram srah.

90. Kadaksha yiha kamadhukh thava manasthu chinthamani,
Kara sura tharu sadaa bhava nidhi sthvamevendhire,
Bhavethava dhayaraso mama rasayanam chanvaham,
Mukham thava kala nidhir vividha, vanchithartha pradham.

Your glance is the wish giving cow, your mind is the wish giving gem,
Your hand is the wish giving tree and oh Indire you are the treasure,
Your elixir of mercy is my elixir that always is effective,
Your face is the treasure of crescents that fulfils all type of my desires.

91. Yada rasa sparsana thoyasopi suvarnatha,
Syath kamala thadda they,
Kadaksha samsparsanatho janaanaam
AmangalaNamahpi mangalathwam.

Due to the touch of the alchemical liquid,
Even the lowly iron becomes Gold and
Goddess Kamala by the touch of your glance,
The inauspicious becomes auspicious.

92. Deheethi nasstheethi sahitha suramyaa,
Bheetho rame thwaam saranam prapadhye,
Atha sadasmin abhaya pradhaa thwam,
Sahaiva pathyaa mama sannidehi.

Being afraid of the words "please give" and "no",
Oh Lakshmi I surrender completely to you,
And you, who always give protection to those, who surrender,
Come along with your consort in front of me.

93. Kalpa drumena maninaa sahithaa suramyaa,
Sristhe kalamayi rasaena rasayanena,
Aasthamatho mama cha druk kara panipada,
Sprushtyaa suvarna vapusha sthira jangama syu.

The very pretty Goddess Lakshmi along with the wish giving gem,
Touches one with her crescents and like the touch of fluid of alchemy,
All the eyes, hands, arms and feet of all beings,
Who are mobile and immobile becomes gold and gets stable.

94. Aadhyadhi vishno sthira dharma pathni,
Twam amba pathyaa mama sannidehi,
Aadhyadhi Lakshmi thwad anugrahena,
Pade pade may nidhi darsanam syath.

You, who are the permanent consort of the primeval Vishnu,
Oh mother, come with your husband in front of me,
And by the blessing of your forms like Aadhi Lakshmi,
Step by step let me find all the treasures.

95. Aadhyadhi Lakshmi hrudayam padedhya,
Sa Rajya Lakshmi machalaam thanothi,
Maha daridhropi bhaveth dhanadya,
Thadanwaye Sree sthirathaam prayathi.

He, who reads this Hrudaya of the Aadhi Lakshmi and others,
Would completely posses the grace of Rajya Lakshmi,
And even though he is very poor, he would become rich,
And Lakshmi will stay with him and his descendents permanently.

96. Yasya smarana mathrena thushtaa syad Vishnu vallabha,
Thasya abheeshtam vadathyasu thaam palayathi puthravath.

If he thinks of her, then the consort of Vishnu would become pleased,
And she will fulfill all his desires and would look after him like her son.

97. Idham rahasyam hrudayam sarva kama phala pradham,
Japa Pancha sahasram thu purascharana muchyathe.

This very secret Hrudayam would lead to fulfillment of all desires,
And the results would be seen only after chanting it five thousand times.

98. Trikalam yeka kalam vaa naro bhakthi samanvitha,
Ya padeth srunyadwapi sa yathi paramam sriyam.

Chanting or hearing three times or one time,
If done by a man with devotion, he would get fame and wealth.

99. Maha Lakhshmim samuddhisya nisi bhargavavasare,
Idham sri Hrudayam japthwa Pancha varam dhani bhaveth.

If this Hrudayam of Lakshmi is chanted addressing her,
On the night of Fridays for five weeks, he would become rich.

100. Aanena hrudhaya nannam Garbhinya aabhimanthritham,
Dadahathi thahkoole puthro jayathe Sri pathi swayam.

The cooked rice sanctified by the chanting of Lakshmi Hrudayam,
Is given to a pregnant woman, Lord Vishnu himself would be born to her.

101. Narena apyadhavaa naarya, Lakshmi Hrudaya manthrithe,
Jale peethe thad vamse manda bhagyo na jayathe.

If the water sanctified by chanting Lakshmi Hrudayam,
Is drunk by a man or woman, then in their clan,
No one with bad luck would ever be born.

102. Ya aswa yungmasi cha Shukla paksha,
Ramothsave sannihithe cha bhakthyaa,
Padeth thadhikothara vara vruuddhyaa,
Labheth souvarNamahyim suvrushteem.

In the month of September-October and in the phase of waxing moon,
On days of Navarathri festival if this is read with devotion,
With increasing frequencies on each day,*
Then there would be a rain of Gold.
* First day once, second day twice and so on.

103. Ya yeka bhakthyanvaha mek varsham,
Vishuddhadhi sapthathi vara japi,
Sa manda bhagyopi rama kadakshad,
Bhaved sahasraksha sathadhika sree.

If this is chanted with devotion for one year,
With a pure heart once a week,
Even though he has only slow luck,
Due the glance of Goddess Lakshmi,
He would become as rich as Indra.

104. Sri sangria bhakthim hari dasa dasyam,
Prasanna manthrartha drudaika nishtaam,
Gurossmrutheem nirmala bodha budhim,
Pradehi matha paramam padam Sri.

Devotion to lord Vishnu, service to his devotees,
And recitation of this chant after understanding it along with concentration,
With Memory of the Guru and with pure wisdom,
Would make the goddess give salvation.

105. Pruthwee pathithwam purushothamathwam,
Vibhoothi vasam vividartha sidhim,
Sampoorna keerthi bahu varsha bhogam,
Pradehi matha pramam padam sri.

Oh Goddess Lakshmi, please give me again and again,
The Lord ship of earth, I being the best among men,
And also ever lasting glory, the possession of different wealth,
Total fame and enjoyment of pleasures for many years.

106. Vadartha sidhim, bahu loka vasyam,
Vaya sthirathwam lalanasu bhogam,
Pouthradhilabdhim, sakalartha sidhim,
Pradehi may bhargavi janma janmani

For birth of birth, Oh Daughter of Bhrugu give me,
The power to win in debates, ability to attract many people,
Stability in age in long life, pleasure from many women,
Possibility of getting grand sons and all sort of wealth.

107. Suvarna vrudhim kuru may gruhe sree,
Sudhanya vrudhim kuru may gruhe sree,
Kalyana vrudhim kuru may Gruha sree,
Vibhoothi vrudhim kuru may Gruha sree,

Let the gold increase in my home, Oh Lakshmi,
Let the grains increase in my home, Oh Lakshmi,
Let auspiciousness increase in my home, Oh Lakshmi,
Let prosperity increase in my home, Oh Lakshmi

Siro Bheejam [Seed of the Head]

Om yam ham kam lam vam Sreem

108. Dhyaye Lakshmin prahasitha mukhim koti balarka bhasam,
Vidhyut var nambara dharaam bhooshanadyaam sushobaam,
Bheeja pooraam sarasija yugam vibhrathim suvarna pathram,
Bharthra yukthaam muhuramabhayadhaam mahyamapya achyuta sree.

I meditate on Lakshmi, who has a smiling face, who has the light of crores of suns,
Who wears cloth of the colour of lightning, who wears ornaments, who dazzles,
Who carries a golden put full of pomegranate seeds, who carries two lotus flowers,
Who is accompanied by her husband who grants refuge again and again
And, who is the great glory of God Achyutha.

Ithyadharva rahasye Uthara Bhage,
Aadhyadhi Sri Maha Lakshmi Hrudaya Stotram sampoornam.

Thus ends the heart of Maha Lakshmi in her various forms,
Which occurs in Atharva Rahasya in the later part.