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Rinaharta Ganapati Stotram (Rina Vimochana Ganesha Stotram) Meaning — Line by Line

ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्)

Every verse and every word explained in English & Hindi

Meaning — Line by Line

Every verse of Rinaharta Ganapati Stotram (Rina Vimochana Ganesha Stotram) with its English meaning. Tap any word to hear it, or ▶ to recite the verse.

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  1. Verse 1. asya śrī-ṛṇa-vimochana-mahā-gaṇapati-stotra-mantrasya śukrāchārya ṛṣiḥ,
  2. Verse 2. oṁ smarāmi deva-deveśaṁ vakra-tuṇḍaṁ mahā-balam।
  3. Verse 3. mahā-gaṇapatiṁ vande mahā-sattvaṁ mahā-balam।
  4. Verse 4. ekākṣaraṁ tv-eka-dantam-ekaṁ brahma sanātanam।
  5. Verse 5. śuklāmbaraṁ śukla-varṇaṁ śukla-gandhānulepanam।
  6. Verse 6. raktāmbaraṁ rakta-varṇaṁ rakta-gandhānulepanam।
  7. Verse 7. kṛṣṇāmbaraṁ kṛṣṇa-varṇaṁ kṛṣṇa-gandhānulepanam।
  8. Verse 8. pītāmbaraṁ pīta-varṇaṁ pīta-gandhānulepanam।
  9. Verse 9. sarvātmakaṁ sarva-varṇaṁ sarva-gandhānulepanam।
  10. Verse 10. etad ṛṇa-haraṁ stotraṁ tri-sandhyaṁ yaḥ paṭhen-naraḥ।
  11. Verse 11. sahasra-daśakaṁ kṛtvā ṛṇa-mukto dhanī bhavet।
Verse 1#

asya śrī-ṛṇa-vimochana-mahā-gaṇapati-stotra-mantrasya śukrāchārya ṛṣiḥ,

अस्य श्रीऋणविमोचनमहागणपतिस्तोत्रमन्त्रस्य शुक्राचार्य ऋषिः, ऋणविमोचनमहागणपतिर्देवता, अनुष्टुप् छन्दः, ऋणविमोचनमहागणपतिप्रीत्यर्थे जपे विनियोगः॥

asya śrī-ṛṇa-vimochana-mahā-gaṇapati-stotra-mantrasya śukrāchārya ṛṣiḥ, ṛṇa-vimochana-mahā-gaṇapatir-devatā, anuṣṭup chandaḥ, ṛṇa-vimochana-mahā-gaṇapati-prītyarthe jape viniyogaḥ॥

MeaningApplication: Of this hymn-mantra of Sri Rina-Vimochana Maha-Ganapati, the sage is Shukracharya, the deity is Rina-Vimochana Maha-Ganapati, the metre is Anushtup; it is employed in recitation to please Rina-Vimochana Maha-Ganapati.

Verse 2#

oṁ smarāmi deva-deveśaṁ vakra-tuṇḍaṁ mahā-balam।

स्मरामि देवदेवेशं वक्रतुण्डं महाबलम्। षडक्षरं कृपासिन्धुं नमामि ऋणमुक्तये॥१॥

oṁ smarāmi deva-deveśaṁ vakra-tuṇḍaṁ mahā-balam। ṣaḍ-akṣaraṁ kṛpā-sindhuṁ namāmi ṛṇa-muktaye॥1॥

MeaningOm. I remember the Lord of the lords of gods, the curved-trunked and mighty One, of the six-syllabled mantra, the ocean of compassion — I bow to Him for release from debt.

Verse 3#

mahā-gaṇapatiṁ vande mahā-sattvaṁ mahā-balam।

महागणपतिं वन्दे महासत्त्वं महाबलम्। एकमेवाद्वितीयं तु नमामि ऋणमुक्तये॥२॥

mahā-gaṇapatiṁ vande mahā-sattvaṁ mahā-balam। ekam-evādvitīyaṁ tu namāmi ṛṇa-muktaye॥2॥

MeaningI worship the great Ganapati, supremely pure and mighty, the one without a second — I bow to Him for release from debt.

Verse 4#

ekākṣaraṁ tv-eka-dantam-ekaṁ brahma sanātanam।

एकाक्षरं त्वेकदन्तमेकं ब्रह्म सनातनम्। महाविघ्नहरं देवं नमामि ऋणमुक्तये॥३॥

ekākṣaraṁ tv-eka-dantam-ekaṁ brahma sanātanam। mahā-vighna-haraṁ devaṁ namāmi ṛṇa-muktaye॥3॥

MeaningThe single imperishable syllable, the single-tusked, the one eternal Brahman, the God who removes great obstacles — I bow to Him for release from debt.

Verse 5#

śuklāmbaraṁ śukla-varṇaṁ śukla-gandhānulepanam।

शुक्लाम्बरं शुक्लवर्णं शुक्लगन्धानुलेपनम्। सर्वशुक्लमयं देवं नमामि ऋणमुक्तये॥४॥

śuklāmbaraṁ śukla-varṇaṁ śukla-gandhānulepanam। sarva-śukla-mayaṁ devaṁ namāmi ṛṇa-muktaye॥4॥

MeaningClad in white, white-hued, anointed with white fragrance, the God who is all-white — I bow to Him for release from debt.

Verse 6#

raktāmbaraṁ rakta-varṇaṁ rakta-gandhānulepanam।

रक्ताम्बरं रक्तवर्णं रक्तगन्धानुलेपनम्। रक्तपुष्पैः पूज्यमानं नमामि ऋणमुक्तये॥५॥

raktāmbaraṁ rakta-varṇaṁ rakta-gandhānulepanam। rakta-puṣpaiḥ pūjyamānaṁ namāmi ṛṇa-muktaye॥5॥

MeaningClad in red, red-hued, anointed with red fragrance, worshipped with red flowers — I bow to Him for release from debt.

Verse 7#

kṛṣṇāmbaraṁ kṛṣṇa-varṇaṁ kṛṣṇa-gandhānulepanam।

कृष्णाम्बरं कृष्णवर्णं कृष्णगन्धानुलेपनम्। कृष्णयज्ञोपवीतं नमामि ऋणमुक्तये॥६॥

kṛṣṇāmbaraṁ kṛṣṇa-varṇaṁ kṛṣṇa-gandhānulepanam। kṛṣṇa-yajñopavītaṁ cha namāmi ṛṇa-muktaye॥6॥

MeaningClad in dark robes, dark-hued, anointed with dark fragrance, wearing a dark sacred thread — I bow to Him for release from debt.

Verse 8#

pītāmbaraṁ pīta-varṇaṁ pīta-gandhānulepanam।

पीताम्बरं पीतवर्णं पीतगन्धानुलेपनम्। पीतपुष्पैः पूज्यमानं नमामि ऋणमुक्तये॥७॥

pītāmbaraṁ pīta-varṇaṁ pīta-gandhānulepanam। pīta-puṣpaiḥ pūjyamānaṁ namāmi ṛṇa-muktaye॥7॥

MeaningClad in yellow, yellow-hued, anointed with yellow fragrance, worshipped with yellow flowers — I bow to Him for release from debt.

Verse 9#

sarvātmakaṁ sarva-varṇaṁ sarva-gandhānulepanam।

सर्वात्मकं सर्ववर्णं सर्वगन्धानुलेपनम्। सर्वपुष्पैः पूज्यमानं नमामि ऋणमुक्तये॥८॥

sarvātmakaṁ sarva-varṇaṁ sarva-gandhānulepanam। sarva-puṣpaiḥ pūjyamānaṁ namāmi ṛṇa-muktaye॥8॥

MeaningThe Self of all, of every hue, anointed with every fragrance, worshipped with all flowers — I bow to Him for release from debt.

Verse 10#

etad ṛṇa-haraṁ stotraṁ tri-sandhyaṁ yaḥ paṭhen-naraḥ।

एतद् ऋणहरं स्तोत्रं त्रिसन्ध्यं यः पठेन्नरः। षण्मासाभ्यन्तरे तस्य ऋणच्छेदो संशयः॥९॥

etad ṛṇa-haraṁ stotraṁ tri-sandhyaṁ yaḥ paṭhen-naraḥ। ṣaṇ-māsābhyantare tasya ṛṇa-chchhedo na saṁśayaḥ॥9॥

MeaningThe man who recites this debt-removing hymn at the three junctions of the day will, within six months, have his debt cut away — there is no doubt of it.

Verse 11#

sahasra-daśakaṁ kṛtvā ṛṇa-mukto dhanī bhavet।

सहस्रदशकं कृत्वा ऋणमुक्तो धनी भवेत्। ऋणविमोचनं नाम स्तोत्रमेतत् पठेन्नरः॥१०॥

sahasra-daśakaṁ kṛtvā ṛṇa-mukto dhanī bhavet। ṛṇa-vimochanaṁ nāma stotram-etat paṭhen-naraḥ॥10॥

MeaningHaving recited it ten thousand times, he becomes free of debt and prosperous. Let a person recite this hymn named 'Rina-Vimochana' (the loosener of debt).

Word-by-Word Breakdown

स्मरामि
smarāmi
I remember / I meditate upon
देवदेवेशम्
deva-deveśam
the Lord of the lords of the gods
वक्रतुण्डम्
vakra-tuṇḍam
the curved-trunked one (Ganesha)
महाबलम्
mahā-balam
the mighty / of great strength
षडक्षरम्
ṣaḍ-akṣaram
of the six-syllabled mantra (Om Gam Ganapataye Namah)
कृपासिन्धुम्
kṛpā-sindhum
the ocean of compassion
नमामि ऋणमुक्तये
namāmi ṛṇa-muktaye
I bow (to Him) for release from debt — the refrain of every verse
महासत्त्वम्
mahā-sattvam
of great essence / supremely pure being
एकमेवाद्वितीयम्
ekam-evādvitīyam
the one without a second (the non-dual Absolute)
एकाक्षरम्
ekākṣaram
the single imperishable syllable (Om)
एकदन्तम्
eka-dantam
the single-tusked one
ब्रह्म सनातनम्
brahma sanātanam
the eternal Brahman
महाविघ्नहरम्
mahā-vighna-haram
the remover of great obstacles
शुक्लाम्बरम्
śuklāmbaram
clad in white garments
शुक्लगन्धानुलेपनम्
śukla-gandhānulepanam
anointed with white fragrant paste
रक्ताम्बरम्
raktāmbaram
clad in red garments
रक्तपुष्पैः पूज्यमानम्
rakta-puṣpaiḥ pūjyamānam
being worshipped with red flowers
कृष्णयज्ञोपवीतम्
kṛṣṇa-yajñopavītam
wearing a dark sacred thread
पीताम्बरम्
pītāmbaram
clad in yellow garments
सर्वात्मकम्
sarvātmakam
the soul of all / all-pervading
त्रिसन्ध्यम्
tri-sandhyam
at the three junctions of the day (dawn, noon, dusk)
षण्मासाभ्यन्तरे
ṣaṇ-māsābhyantare
within six months
ऋणच्छेदः
ṛṇa-chchhedaḥ
the cutting off / clearance of debt
न संशयः
na saṁśayaḥ
there is no doubt
सहस्रदशकम्
sahasra-daśakam
ten thousand (recitations)
ऋणमुक्तो धनी भवेत्
ṛṇa-mukto dhanī bhavet
becomes free of debt and grows wealthy

Origin & History

Source: Rina-Vimochana Maha-Ganapati Stotram (traditional Ganapati stotra with viniyoga ascribed to Shukracharya)

Author: Traditional; the viniyoga ascribes its seership (rishi) to Shukracharya

Period: Classical / medieval Puranic-Tantric tradition

This stotra is preserved as a dedicated remedy (upaya) for those crushed by debt. Indian tradition treats debt ('rina') as a serious bondage — the scriptures speak of debts to the gods, sages and ancestors — and worship of the obstacle-remover Ganesha is held to dissolve such bonds. The viniyoga places it under the seership of Shukracharya, the preceptor of the asuras and lord of the wealth-giving planet Venus, framing it as a key that unlocks financial freedom. Its eight colour-forms culminate in the all-pervading 'sarvatmaka' Ganesha, after which the phalashruti boldly guarantees debt-clearance within six months of disciplined recitation.

Frequently Asked Questions

What is the Rinaharta / Rina Vimochana Ganapati Stotram for?
It is a special hymn to Ganesha chanted to gain freedom from debt ('rina' means debt and 'vimochana' or 'haran' means release). The closing verses explicitly promise that regular recitation clears one's debts and brings prosperity, which is why it is popular among those facing loans or financial difficulty.
Who is the rishi of this stotra and why?
The viniyoga names Shukracharya as the rishi. Shukracharya, the guru of the asuras, is master of the science of revival and renewal and is associated with wealth and the planet Shukra (Venus); his seership lends the hymn its authority over matters of money and debt.
How many times should I chant it?
The hymn itself prescribes recitation 'trisandhyam' — at dawn, noon and dusk. The phalashruti adds that within six months the debt is cut away, and that completing ten thousand recitations makes one debt-free and wealthy. A common practice is 11 times daily for 45 days.
Why does the hymn describe Ganesha in different colours?
Verses four through eight invoke Ganesha as white, red, dark, yellow and finally 'sarva-varna' (all colours). This worships the Lord in every form and through every kind of offering, symbolising that He pervades all and can resolve difficulties of every nature, including material ones like debt.

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