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Helpful Tips on Sanatana Dharma / Hindu Principles - 131 (Debt Burden)

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This section Helpful Tips is all about Frequently Arising Questions. Brahmanda Guruji Sri Narendra Babu Sharmaji, share the knowledge on general topics and Hindu Sanathana Dharma in his Television Programme - Lakshmi Kataksha, telecasted in Kasthuri Kannada Channel, which i have put in this section. Guruji also share information of knowledge on Vasthu Shastra and lot of Helpful stuffs. Many People have lot of doubts on Hindu Sanathana Dharma, which is also covered in this section.
Please do ask a priest or elders, if you have any doubts in below, who knows very well about our customs and practices and clarify the same.

  • Relief From Debt Burden:

    A Caller had asked solution for his debt and financial problems. Brahmanda Guruji Shri Narendra Babu Sharmaji suggested the below given procedure.

    Relief From Debt Burden
    One has to visit Gnanavalli Sametha Sara Parameswarar Koil at Thirucherai is known as Kadan (Debt) Nivartheeswarar (Solver), the temple for debt relief. Located about 20 Kms from Kumbakonam on the Kumbakonam Tiruvarur Road. The Deity is also known as Rinavimochanar.

    You have to visit the temple on the day of Pradosha. You will get this information through any Hindu Calenders or Panchangam.

    Relief From Debt Burden
    You have to visit this temple eleven consecutive Pradoshas. Visiting this temple for 11 consecutive Pradoshas might be difficult, since Kumbakaonam - Temple City is not very close to everyone. Hence during your first visit to temple offer Bilva Archana to Lord Rinavimochanathar.

    Consult the temple authorities and pay a amount to send the prasadam every month and will reach you every Wednesday/Thursday for eleven consecutive months. If you have offered first pooja on Pournami Pradosham, you will get prasadam every Pournami Pradosha else if you have offered first pooja on Amavasya Pradosha, you will get prasadam every Amavasya Pradosha.

    Relief From Debt Burden
    At the end of the eleventh month, or at any later date, you have to visit the temple and take part in an Abhishegam (ablution) that is done and offer Dhoti (Panche in Kannada ; Veshti in Tamil) & an extra piece of scarf-like cloth known as Shalya in Kannada ; Angavastram or Thundu in Tamil.

    The above procedure can also be followed for 11 weeks as mentioned below. Brahmanda Guruji gave us 11 Month procedure. In temple 11 week procedure is also followed.

    Relief From Debt Burden
    Mondays are very special for Lord Shiva. Worship Kadan Nivartheeswarar, as Rinavimochanar is also known, for eleven consecutive Mondays here. This would not be practical for most of us. However, when you visit the temple you can register your name (mention your birth star, gothram, names of your other family members and their birth star) for the archana (roughly translated as series of mantras or slokas chanted in praise of God) that will be performed on eleven Mondays. The cost for this is Rs.225/-.

    Relief From Debt Burden
    The prasadam is sent every week and will reach you every Wednesday/Thursday for eleven consecutive weeks. At the end of the eleventh week, or at any later date, you may visit the temple and take part in an Abhishegam (ablution) that is done every Monday. The timings of the Abhishegam (ablution) are 6 AM, 11 AM and 6 PM. You can choose the time according to your convenience. The whole ritual takes about two to three hours. The cost of taking part in this Abhishegam (ablution) is Rs.350/-. The rates given might vary, check with the temple for more recent one.

    On 13,14,and 15th of Tamil month of Masi Sun ray's fall directly on Shiva Lingam. After praying Runa Vimochaneswarar one has to pray Mahalakshmi and Jyestadevi to be debt free for rest of his life.

    Relief From Debt Burden
    The general belief is that worshipping Lord Shiva here helps improve the financial status and be debt-free. It is just the superficial meaning. However there is a deeper meaning to this. Debt includes financial debts and not limited to it.

    Most of us are not aware of the other debts. According to scriptures, every human being is born with three types of debts. They are Deva rina (debt to God), Rishi rina (debt to Sages or Rishis) and Pitru rina (debt to ones ancestors). There are also well-defined means of repaying these debts. If a man does not repay these debts in his lifetime he will have another birth to repay. There is no escape from repaying these debts.

    Relief From Debt Burden
    A man clears off his debt to God by performing poojas, visiting temples and most important of all – being good to fellow human beings & other living things and respect to nature. Any act of service goes to repay the debt to God.

    The ancient Rishis or sages had framed a set of rules or Code of Conduct which are to be followed by all human beings. The second set of debts i.e. debt to Rishis can be repaid by following and adhering to the Code of Conduct laid down by the Rishis. A man can repay his debt to the Rishis. There also a set of rules called Nithya Karmas (daily duties) which are to be adhered to.

    Pitru Rina is repaid by performing Shrardham to ones ancestors and performing ones duty to his/her parents.

    Relief From Debt Burden
    Before this abhishegam (ablution), flower is distributed to the devotees and then taken back during the abhishegam (ablution). This signifies that you have paid back your debts. Eleven is a special number for Shiva as there are eleven forms of Rudra Shiva. Abhishegam (ablution) to Shiva is done with eleven materials as prescribed in the Shiva Agamas (Shiva worship rules).

    The abhishegam (ablution) materials are:
    Gingely oil
    Pancha kavyam (mixture of five ingredients i.e. milk, curd, ghee and cow’s urine)
    Panchamrutham (mixture of five ingredients i.e. fruits, jaggery, ghee, honey and sugar)
    Ghee
    Milk
    Curd
    Honey
    Cane juice
    Lime juice
    Tender coconut water
    Sandal paste

    There are a fairly large number of people that join in this worship ceremony. During this ritual, a priest recites the Dharidriya Dhahana Shiva Stotram over a public address system and the devotees are encouraged to repeat after him. Thus worshiping at this temple absolves us of the three debts viz Deva Rina, Rishi Rina and Pitru Rina, apart from being blessed with prosperity. Reciting the Dharidriya Dhahana Shiva Stotram thrice a day also is said to yield the same benefits. I have put the same below for ready reference.

    Visweswaraya narakarnava tharanaya,
    Karnamruthaya Sasi shekara dharanaya,
    Karpoorakanthi dhavalaya jada dharaya,
    Daridrya Dukha dahanaya Nama Shivaya. 1


    I salute that Shiva, who burns the sorrow of poverty,
    Who is the lord of the universe,
    Who helps us to cross the sea of hell,
    Who is pleasant to the ears,
    Who wears the crescent as ornament,
    Who is as white as the flame of camphor,
    Who wears uncombed and uncut hair.


    Gouri priyaya rajaneesa kala dharaya,
    Kalanthakaya Bhujagadhipa kankanaya,
    Gangadharaya Gaja raja Vimardhanaya,
    Daridrya Dukha dahanaya Nama Shivaya. 2


    I salute that Shiva who burns the sorrow of poverty,
    Who is the darling of Goddess Parvathy,
    Who wears the crescent of the lord of night,
    Who was the death to the god of death,
    Who wears the king of serpents as bangles,
    Who carries the Ganga on his head,
    And who killed the king of elephants.


    Baktha priyaya bhava roga bhayapahaya,
    Ugraya durgabhava sagara tharanaya,
    Jyothirmayaya guna Nama nruthyakaya,
    Daridrya Dukha dahanaya Nama Shivaya. 3


    I salute that Shiva who burns the sorrow of poverty,
    Who is loved by his devotees,
    Who destroys fear of diseases in human life,
    Who is fearsome,
    Who makes us cross the difficult ocean of life,
    Who is personification of light,
    And who dances in his good names.


    Charmambaraya sava basma vilepanaya,
    Phalekshanaya mani kundala mandithaya,
    Manjeera pasa yugalaya jada dharaya,
    Daridrya Dukha dahanaya Nama Shivaya. 4


    I salute that Shiva who burns the sorrow of poverty,
    Who wears hide,
    Who applies ash of burning corpses,
    Who has an eye on his forehead,
    Who wears ear studs of precious stones,
    Who wears Jingling leg bangles on his legs,
    And who wears uncombed and uncut hair.


    Panchananaya Phani raja vibhooshanaya,
    Hemamsukaya bhuvana thraya mandithaya,
    Ananda Bhumi varadaya Thamomayaya,
    Daridrya Dukha dahanaya Nama Shivaya. 5


    I salute that Shiva who burns the sorrow of poverty,
    Who has five faces,
    Who wears king of serpents as ornament,
    Who wears cloth made of gold,
    Who is the ornament for the three worlds,
    Who is the giver of boons,
    Who is the storehouse of happiness,
    And who is personification of darkness.


    Gouri vilasabhuvanaya maheswaraya,
    Panchananaya saranagatha kalpakaya,
    Sarvaya sarvajagatam adhipaya thasmai,
    Daridrya Dukha dahanaya Nama Shivaya. 6


    I salute that Shiva, who burns the sorrow of poverty,
    Who is the world of Gouri’s grace,
    Who is the greatest God,
    Who is like a lion,
    Who is the wish giving tree,
    To those who seek his protection,
    Who is everything,
    And who is the king of all worlds.


    Bhanupriyaya bhava sagara tharanaya,
    Kalanthakaya kamalasana poojithaya,
    Nethra thrayaya shubha lakshana lakshithaya,
    Daridrya Dukha dahanaya Nama Shivaya. 7


    I salute that Shiva who burns the sorrow of poverty,
    Who is dear to the Sun God,
    Who helps us to cross the ocean of birth,
    Who killed the god of death,
    Who is worshipped by Lord Brahma,
    And who aims at having all good signs.


    Ramapriyaya Raghu nada Vara Pradhaya,
    Nagapriyaya narakarnava tharanaya,
    Punyesu punya barithaya surarchithaya,
    Daridrya Dukha dahanaya Nama Shivaya. 8


    I salute that Shiva who burns the sorrow of poverty,
    Who is dear to Rama,
    Who granted boons to Rama,
    Who is partial to serpents,
    Who destroys the Naraka,
    Who is holiest among the holy,
    And who is worshipped by Gods.


    Phalasruthi.
    Vasishtena Krutham stotram,
    Sarva sampathkaram param,
    Trisandhyam ya padenithyam,
    Sa hi swargamavapnyuth.


    Result of reading.
    This prayer composed by sage Vasishta,
    Is one which gives all types of wealth,
    And whoever chants it at dawn, noon and dusk,
    Would enjoy the pleasures of heaven.

    Temple Address & Contact Details:
    Arulmigu Sara Parameswarar Thirukkovil
    Thirucherai – 612605
    Kumbakonam Taluk.
    Phone: 0435-2468001.

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