ganeshaganapatirinahartarina-vimochana

Rinaharta Ganapati Stotram (Rina Vimochana Ganesha Stotram)

ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्) in English · English

🕉️ hindu·📿 11× repetitions·🕐 At the three sandhyas — dawn, noon and dusk ('trisandhyam') as the hymn prescribes; especially begun on a Chaturthi, Wednesday, or Sankashti Chaturthi·📜 Rina-Vimochana Maha-Ganapati Stotram (traditional Ganapati stotra with viniyoga ascribed to Shukracharya)

Read in your language / script

हिन्दी / देवनागरी తెలుగు தமிழ்ಕನ್ನಡ മലയാളം ગુજરાતી বাংলা ଓଡ଼ିଆ ਪੰਜਾਬੀEnglishසිංහල 𑌗𑍍𑌰𑌨𑍍𑌥

✦ Meaning

The Rinaharta Ganapati Stotram, better known as the Rina-Vimochana (or Rin-Mukti) Maha-Ganapati Stotram, is a powerful prayer to Lord Ganesha specifically for release from debt. Its eight verses adore Ganesha in white, red, dark, yellow and finally all colours, each closing with the refrain 'namami rinamuktaye' — 'I bow to Him for freedom from debt.' The phalashruti promises that reciting it thrice daily clears one's debts within six months, and ten thousand recitations make the devotee debt-free and wealthy.

Origin & Story

Rina-Vimochana Maha-Ganapati Stotram (traditional Ganapati stotra with viniyoga ascribed to Shukracharya) · Traditional; the viniyoga ascribes its seership (rishi) to Shukracharya · 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.

✦ As told in scripture

Devotional tradition records many accounts of merchants and householders who, buried under crippling loans, recited this stotra three times daily; within six months unexpected income, recovered dues, or new opportunities arrived and their debts were cleared. Those who completed the prescribed ten thousand recitations are said to have not merely escaped debt but risen to the prosperity of Kubera, the lord of treasures.

0all time

Complete Text with Meaning

Tap any line — or the ▶ button — to hear it recited

Verse 1

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

Meaning:Application: 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। ṣaḍ-akṣaraṁ kṛpā-sindhuṁ namāmi ṛṇa-muktaye॥1॥

Meaning:Om. 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। ekam-evādvitīyaṁ tu namāmi ṛṇa-muktaye॥2॥

Meaning:I 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। mahā-vighna-haraṁ devaṁ namāmi ṛṇa-muktaye॥3॥

Meaning:The 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। sarva-śukla-mayaṁ devaṁ namāmi ṛṇa-muktaye॥4॥

Meaning:Clad 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। rakta-puṣpaiḥ pūjyamānaṁ namāmi ṛṇa-muktaye॥5॥

Meaning:Clad 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। kṛṣṇa-yajñopavītaṁ cha namāmi ṛṇa-muktaye॥6॥

Meaning:Clad 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। pīta-puṣpaiḥ pūjyamānaṁ namāmi ṛṇa-muktaye॥7॥

Meaning:Clad 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। sarva-puṣpaiḥ pūjyamānaṁ namāmi ṛṇa-muktaye॥8॥

Meaning:The 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। ṣaṇ-māsābhyantare tasya ṛṇa-chchhedo na saṁśayaḥ॥9॥

Meaning:The 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। ṛṇa-vimochanaṁ nāma stotram-etat paṭhen-naraḥ॥10॥

Meaning:Having 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 Meaning

Click any word to hear its pronunciation

smarāmi🔊I remember / I meditate upon

deva-deveśam🔊the Lord of the lords of the gods

vakra-tuṇḍam🔊the curved-trunked one (Ganesha)

mahā-balam🔊the mighty / of great strength

ṣaḍ-akṣaram🔊of the six-syllabled mantra (Om Gam Ganapataye Namah)

kṛpā-sindhum🔊the ocean of compassion

namāmi ṛṇa-muktaye🔊I bow (to Him) for release from debt — the refrain of every verse

mahā-sattvam🔊of great essence / supremely pure being

ekam-evādvitīyam🔊the one without a second (the non-dual Absolute)

ekākṣaram🔊the single imperishable syllable (Om)

eka-dantam🔊the single-tusked one

brahma sanātanam🔊the eternal Brahman

mahā-vighna-haram🔊the remover of great obstacles

śuklāmbaram🔊clad in white garments

śukla-gandhānulepanam🔊anointed with white fragrant paste

raktāmbaram🔊clad in red garments

rakta-puṣpaiḥ pūjyamānam🔊being worshipped with red flowers

kṛṣṇa-yajñopavītam🔊wearing a dark sacred thread

pītāmbaram🔊clad in yellow garments

sarvātmakam🔊the soul of all / all-pervading

tri-sandhyam🔊at the three junctions of the day (dawn, noon, dusk)

ṣaṇ-māsābhyantare🔊within six months

ṛṇa-chchhedaḥ🔊the cutting off / clearance of debt

na saṁśayaḥ🔊there is no doubt

sahasra-daśakam🔊ten thousand (recitations)

ṛṇa-mukto dhanī bhavet🔊becomes free of debt and grows wealthy

Benefits of Chanting ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्)

✦

Specifically invoked for relief from debts, loans and financial burdens (Rina-mukti)

✦

The phalashruti promises clearance of debt within six months of reciting it thrice daily

✦

Ten thousand recitations are said to make the devotee debt-free and prosperous

✦

Removes great obstacles ('maha-vighna-haram') that block the flow of money

✦

Brings steadiness, discipline and confidence in managing finances

✦

Worships Ganesha in all five colour-forms, invoking comprehensive, all-round grace

✦

Reduces anxiety and fear caused by creditors and money problems

How to Chant ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्)

Repetitions11times

Best TimeAt the three sandhyas — dawn, noon and dusk ('trisandhyam') as the hymn prescribes; especially begun on a Chaturthi, Wednesday, or Sankashti Chaturthi

Begin by reciting the viniyoga, then offer worship to Ganesha. Traditionally the stotra is read three times a day (morning, midday and evening) for relief from debt; many practitioners take a sankalpa to recite it 11 times daily and complete a count of ten thousand over about 45 days, as recommended in the phalashruti. Sit facing east before a Ganesha murti, light a lamp, and offer durva grass and modaka or red flowers. Maintain regularity and a sincere resolve to clear your debts honestly; the prayer supports right effort rather than replacing it.

Frequently Asked Questions

This page shows the complete ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्) written in the English script — the same Sanskrit/Hindi verses, transliterated character-by-character so you can read and chant comfortably. Tap any line (or the ▶ button) to hear it recited aloud.

Yes — only the script changes; the words and their meaning are the original. The verse-by-verse meaning, benefits and how-to-chant guidance on this page apply exactly the same.

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.

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.

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.

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.