ganeshaganapatirinahartarina-vimochana

𑌋𑌣𑌹𑌰𑍍𑌤𑌾 𑌗𑌣𑌪𑌤𑌿 𑌸𑍍𑌤𑍋𑌤𑍍𑌰𑌮𑍍 (𑌋𑌣𑌵𑌿𑌮𑍋𑌚𑌨 𑌗𑌣𑍇𑌶 𑌸𑍍𑌤𑍋𑌤𑍍𑌰𑌮𑍍)

ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्) in Grantha · 𑌗𑍍𑌰𑌨𑍍𑌥

🕉️ 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)

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हिन्दी / देवनागरी తెలుగు தமிழ்ಕನ್ನಡ മലയാളം ગુજરાતી বাংলা ଓଡ଼ିଆ ਪੰਜਾਬੀ English සිංහල𑌗𑍍𑌰𑌨𑍍𑌥

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.

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Complete Text with Meaning

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Verse 1

𑌅𑌸𑍍𑌯 𑌶𑍍𑌰𑍀𑌋𑌣𑌵𑌿𑌮𑍋𑌚𑌨𑌮𑌹𑌾𑌗𑌣𑌪𑌤𑌿𑌸𑍍𑌤𑍋𑌤𑍍𑌰𑌮𑌨𑍍𑌤𑍍𑌰𑌸𑍍𑌯 𑌶𑍁𑌕𑍍𑌰𑌾𑌚𑌾𑌰𑍍𑌯 𑌋𑌷𑌿𑌃, 𑌋𑌣𑌵𑌿𑌮𑍋𑌚𑌨𑌮𑌹𑌾𑌗𑌣𑌪𑌤𑌿𑌰𑍍𑌦𑍇𑌵𑌤𑌾, 𑌅𑌨𑍁𑌷𑍍𑌟𑍁𑌪𑍍 𑌛𑌨𑍍𑌦𑌃, 𑌋𑌣𑌵𑌿𑌮𑍋𑌚𑌨𑌮𑌹𑌾𑌗𑌣𑌪𑌤𑌿𑌪𑍍𑌰𑍀𑌤𑍍𑌯𑌰𑍍𑌥𑍇 𑌜𑌪𑍇 𑌵𑌿𑌨𑌿𑌯𑍋𑌗𑌃॥

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:विनियोग — इस श्रीऋणविमोचन महागणपति स्तोत्रमन्त्र के ऋषि शुक्राचार्य हैं, देवता ऋणविमोचन महागणपति हैं, छन्द अनुष्टुप् है; ऋणविमोचन महागणपति की प्रसन्नता के लिए जप में इसका विनियोग है।

Verse 2

𑍐 𑌸𑍍𑌮𑌰𑌾𑌮𑌿 𑌦𑍇𑌵𑌦𑍇𑌵𑍇𑌶𑌂 𑌵𑌕𑍍𑌰𑌤𑍁𑌣𑍍𑌡𑌂 𑌮𑌹𑌾𑌬𑌲𑌮𑍍। 𑌷𑌡𑌕𑍍𑌷𑌰𑌂 𑌕𑍃𑌪𑌾𑌸𑌿𑌨𑍍𑌧𑍁𑌂 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௧॥

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

Meaning:ॐ। देवों के देव ईश, वक्रतुण्ड, महाबली, षडक्षर मन्त्रस्वरूप, कृपा के सागर का मैं स्मरण करता हूँ — ऋण से मुक्ति के लिए उन्हें नमस्कार करता हूँ।

Verse 3

𑌮𑌹𑌾𑌗𑌣𑌪𑌤𑌿𑌂 𑌵𑌨𑍍𑌦𑍇 𑌮𑌹𑌾𑌸𑌤𑍍𑌤𑍍𑌵𑌂 𑌮𑌹𑌾𑌬𑌲𑌮𑍍। 𑌏𑌕𑌮𑍇𑌵𑌾𑌦𑍍𑌵𑌿𑌤𑍀𑌯𑌂 𑌤𑍁 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௨॥

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

Meaning:महान् सत्त्व और महान् बल वाले, अद्वितीय एकमेव महागणपति की मैं वन्दना करता हूँ — ऋणमुक्ति के लिए उन्हें नमस्कार करता हूँ।

Verse 4

𑌏𑌕𑌾𑌕𑍍𑌷𑌰𑌂 𑌤𑍍𑌵𑍇𑌕𑌦𑌨𑍍𑌤𑌮𑍇𑌕𑌂 𑌬𑍍𑌰𑌹𑍍𑌮 𑌸𑌨𑌾𑌤𑌨𑌮𑍍। 𑌮𑌹𑌾𑌵𑌿𑌘𑍍𑌨𑌹𑌰𑌂 𑌦𑍇𑌵𑌂 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௩॥

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

Meaning:एकाक्षर, एकदन्त, एकमात्र सनातन ब्रह्म, महाविघ्नों को हरने वाले देव को — ऋणमुक्ति के लिए मैं नमस्कार करता हूँ।

Verse 5

𑌶𑍁𑌕𑍍𑌲𑌾𑌮𑍍𑌬𑌰𑌂 𑌶𑍁𑌕𑍍𑌲𑌵𑌰𑍍𑌣𑌂 𑌶𑍁𑌕𑍍𑌲𑌗𑌨𑍍𑌧𑌾𑌨𑍁𑌲𑍇𑌪𑌨𑌮𑍍। 𑌸𑌰𑍍𑌵𑌶𑍁𑌕𑍍𑌲𑌮𑌯𑌂 𑌦𑍇𑌵𑌂 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௪॥

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

Meaning:श्वेत वस्त्रधारी, श्वेत वर्ण, श्वेत गन्ध से अनुलिप्त, सर्वथा श्वेतमय देव को — ऋणमुक्ति के लिए नमस्कार करता हूँ।

Verse 6

𑌰𑌕𑍍𑌤𑌾𑌮𑍍𑌬𑌰𑌂 𑌰𑌕𑍍𑌤𑌵𑌰𑍍𑌣𑌂 𑌰𑌕𑍍𑌤𑌗𑌨𑍍𑌧𑌾𑌨𑍁𑌲𑍇𑌪𑌨𑌮𑍍। 𑌰𑌕𑍍𑌤𑌪𑍁𑌷𑍍𑌪𑍈𑌃 𑌪𑍂𑌜𑍍𑌯𑌮𑌾𑌨𑌂 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௫॥

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

Meaning:रक्त वस्त्रधारी, रक्त वर्ण, रक्त गन्ध से अनुलिप्त, रक्त पुष्पों से पूजित को — ऋणमुक्ति के लिए नमस्कार करता हूँ।

Verse 7

𑌕𑍃𑌷𑍍𑌣𑌾𑌮𑍍𑌬𑌰𑌂 𑌕𑍃𑌷𑍍𑌣𑌵𑌰𑍍𑌣𑌂 𑌕𑍃𑌷𑍍𑌣𑌗𑌨𑍍𑌧𑌾𑌨𑍁𑌲𑍇𑌪𑌨𑌮𑍍। 𑌕𑍃𑌷𑍍𑌣𑌯𑌜𑍍𑌞𑍋𑌪𑌵𑍀𑌤𑌂 𑌚 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௬॥

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

Meaning:कृष्ण वस्त्रधारी, कृष्ण वर्ण, कृष्ण गन्ध से अनुलिप्त, कृष्ण यज्ञोपवीतधारी को — ऋणमुक्ति के लिए नमस्कार करता हूँ।

Verse 8

𑌪𑍀𑌤𑌾𑌮𑍍𑌬𑌰𑌂 𑌪𑍀𑌤𑌵𑌰𑍍𑌣𑌂 𑌪𑍀𑌤𑌗𑌨𑍍𑌧𑌾𑌨𑍁𑌲𑍇𑌪𑌨𑌮𑍍। 𑌪𑍀𑌤𑌪𑍁𑌷𑍍𑌪𑍈𑌃 𑌪𑍂𑌜𑍍𑌯𑌮𑌾𑌨𑌂 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௭॥

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

Meaning:पीत वस्त्रधारी, पीत वर्ण, पीत गन्ध से अनुलिप्त, पीत पुष्पों से पूजित को — ऋणमुक्ति के लिए नमस्कार करता हूँ।

Verse 9

𑌸𑌰𑍍𑌵𑌾𑌤𑍍𑌮𑌕𑌂 𑌸𑌰𑍍𑌵𑌵𑌰𑍍𑌣𑌂 𑌸𑌰𑍍𑌵𑌗𑌨𑍍𑌧𑌾𑌨𑍁𑌲𑍇𑌪𑌨𑌮𑍍। 𑌸𑌰𑍍𑌵𑌪𑍁𑌷𑍍𑌪𑍈𑌃 𑌪𑍂𑌜𑍍𑌯𑌮𑌾𑌨𑌂 𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇॥௮॥

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

Meaning:सर्वात्मक, सर्ववर्ण, समस्त गन्धों से अनुलिप्त, समस्त पुष्पों से पूजित को — ऋणमुक्ति के लिए नमस्कार करता हूँ।

Verse 10

𑌏𑌤𑌦𑍍 𑌋𑌣𑌹𑌰𑌂 𑌸𑍍𑌤𑍋𑌤𑍍𑌰𑌂 𑌤𑍍𑌰𑌿𑌸𑌨𑍍𑌧𑍍𑌯𑌂 𑌯𑌃 𑌪𑌠𑍇𑌨𑍍𑌨𑌰𑌃। 𑌷𑌣𑍍𑌮𑌾𑌸𑌾𑌭𑍍𑌯𑌨𑍍𑌤𑌰𑍇 𑌤𑌸𑍍𑌯 𑌋𑌣𑌚𑍍𑌛𑍇𑌦𑍋 𑌨 𑌸𑌂𑌶𑌯𑌃॥௯॥

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

Meaning:जो मनुष्य इस ऋणहर स्तोत्र का तीनों सन्ध्याओं में पाठ करता है, उसका छह मास के भीतर ऋण-विच्छेद हो जाता है, इसमें सन्देह नहीं।

Verse 11

𑌸𑌹𑌸𑍍𑌰𑌦𑌶𑌕𑌂 𑌕𑍃𑌤𑍍𑌵𑌾 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑍋 𑌧𑌨𑍀 𑌭𑌵𑍇𑌤𑍍। 𑌋𑌣𑌵𑌿𑌮𑍋𑌚𑌨𑌂 𑌨𑌾𑌮 𑌸𑍍𑌤𑍋𑌤𑍍𑌰𑌮𑍇𑌤𑌤𑍍 𑌪𑌠𑍇𑌨𑍍𑌨𑌰𑌃॥௧௦॥

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

Meaning:दस हजार पाठ करने पर वह ऋणमुक्त होकर धनवान हो जाता है। मनुष्य को 'ऋणविमोचन' नामक इस स्तोत्र का पाठ करना चाहिए।

Word-by-Word Meaning

Click any word to hear its pronunciation

𑌸𑍍𑌮𑌰𑌾𑌮𑌿🔊smarāmiI remember / I meditate upon

𑌦𑍇𑌵𑌦𑍇𑌵𑍇𑌶𑌮𑍍🔊deva-deveśamthe Lord of the lords of the gods

𑌵𑌕𑍍𑌰𑌤𑍁𑌣𑍍𑌡𑌮𑍍🔊vakra-tuṇḍamthe curved-trunked one (Ganesha)

𑌮𑌹𑌾𑌬𑌲𑌮𑍍🔊mahā-balamthe mighty / of great strength

𑌷𑌡𑌕𑍍𑌷𑌰𑌮𑍍🔊ṣaḍ-akṣaramof the six-syllabled mantra (Om Gam Ganapataye Namah)

𑌕𑍃𑌪𑌾𑌸𑌿𑌨𑍍𑌧𑍁𑌮𑍍🔊kṛpā-sindhumthe ocean of compassion

𑌨𑌮𑌾𑌮𑌿 𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑌯𑍇🔊namāmi ṛṇa-muktayeI bow (to Him) for release from debt — the refrain of every verse

𑌮𑌹𑌾𑌸𑌤𑍍𑌤𑍍𑌵𑌮𑍍🔊mahā-sattvamof great essence / supremely pure being

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

𑌏𑌕𑌾𑌕𑍍𑌷𑌰𑌮𑍍🔊ekākṣaramthe single imperishable syllable (Om)

𑌏𑌕𑌦𑌨𑍍𑌤𑌮𑍍🔊eka-dantamthe single-tusked one

𑌬𑍍𑌰𑌹𑍍𑌮 𑌸𑌨𑌾𑌤𑌨𑌮𑍍🔊brahma sanātanamthe eternal Brahman

𑌮𑌹𑌾𑌵𑌿𑌘𑍍𑌨𑌹𑌰𑌮𑍍🔊mahā-vighna-haramthe remover of great obstacles

𑌶𑍁𑌕𑍍𑌲𑌾𑌮𑍍𑌬𑌰𑌮𑍍🔊śuklāmbaramclad in white garments

𑌶𑍁𑌕𑍍𑌲𑌗𑌨𑍍𑌧𑌾𑌨𑍁𑌲𑍇𑌪𑌨𑌮𑍍🔊śukla-gandhānulepanamanointed with white fragrant paste

𑌰𑌕𑍍𑌤𑌾𑌮𑍍𑌬𑌰𑌮𑍍🔊raktāmbaramclad in red garments

𑌰𑌕𑍍𑌤𑌪𑍁𑌷𑍍𑌪𑍈𑌃 𑌪𑍂𑌜𑍍𑌯𑌮𑌾𑌨𑌮𑍍🔊rakta-puṣpaiḥ pūjyamānambeing worshipped with red flowers

𑌕𑍃𑌷𑍍𑌣𑌯𑌜𑍍𑌞𑍋𑌪𑌵𑍀𑌤𑌮𑍍🔊kṛṣṇa-yajñopavītamwearing a dark sacred thread

𑌪𑍀𑌤𑌾𑌮𑍍𑌬𑌰𑌮𑍍🔊pītāmbaramclad in yellow garments

𑌸𑌰𑍍𑌵𑌾𑌤𑍍𑌮𑌕𑌮𑍍🔊sarvātmakamthe soul of all / all-pervading

𑌤𑍍𑌰𑌿𑌸𑌨𑍍𑌧𑍍𑌯𑌮𑍍🔊tri-sandhyamat the three junctions of the day (dawn, noon, dusk)

𑌷𑌣𑍍𑌮𑌾𑌸𑌾𑌭𑍍𑌯𑌨𑍍𑌤𑌰𑍇🔊ṣaṇ-māsābhyantarewithin six months

𑌋𑌣𑌚𑍍𑌛𑍇𑌦𑌃🔊ṛṇa-chchhedaḥthe cutting off / clearance of debt

𑌨 𑌸𑌂𑌶𑌯𑌃🔊na saṁśayaḥthere is no doubt

𑌸𑌹𑌸𑍍𑌰𑌦𑌶𑌕𑌮𑍍🔊sahasra-daśakamten thousand (recitations)

𑌋𑌣𑌮𑍁𑌕𑍍𑌤𑍋 𑌧𑌨𑍀 𑌭𑌵𑍇𑌤𑍍🔊ṛṇa-mukto dhanī bhavetbecomes free of debt and grows wealthy

Benefits of Chanting ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्)

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

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

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

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

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Brings steadiness, discipline and confidence in managing finances

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

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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 Grantha 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.