ganeshaganapatirinahartarina-vimochana

ඍණහර්තා ගණපති ස්තෝත්රම් (ඍණවිමෝචන ගණේශ ස්තෝත්රම්)

ऋणहर्ता गणपति स्तोत्रम् (ऋणविमोचन गणेश स्तोत्रम्) in Sinhala · සිංහල

🕉️ 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 ਪੰਜਾਬੀ Englishසිංහල𑌗𑍍𑌰𑌨𑍍𑌥

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

අස්ය ශ්රීඍණවිමෝචනමහාගණපතිස්තෝත්රමන්ත්රස්ය ශුක්රාචාර්ය ඍෂිඃ, ඍණවිමෝචනමහාගණපතිර්දේවතා, අනුෂ්ටුප් ඡන්දඃ, ඍණවිමෝචනමහාගණපතිප්රීත්යර්ථේ ජපේ විනියෝගඃ..

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

ඕං ස්මරාමි දේවදේවේශං වක්රතුණ්ඩං මහාබලම්. ෂඩක්ෂරං කෘපාසින්ධුං නමාමි ඍණමුක්තයේ..1..

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

මහාගණපතිං වන්දේ මහාසත්ත්වං මහාබලම්. ඒකමේවාද්විතීයං තු නමාමි ඍණමුක්තයේ..2..

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

ඒකාක්ෂරං ත්වේකදන්තමේකං බ්රහ්ම සනාතනම්. මහාවිඝ්නහරං දේවං නමාමි ඍණමුක්තයේ..3..

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

ශුක්ලාම්බරං ශුක්ලවර්ණං ශුක්ලගන්ධානුලේපනම්. සර්වශුක්ලමයං දේවං නමාමි ඍණමුක්තයේ..4..

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

රක්තාම්බරං රක්තවර්ණං රක්තගන්ධානුලේපනම්. රක්තපුෂ්පෛඃ පූජ්යමානං නමාමි ඍණමුක්තයේ..5..

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

කෘෂ්ණාම්බරං කෘෂ්ණවර්ණං කෘෂ්ණගන්ධානුලේපනම්. කෘෂ්ණයජ්ඤෝපවීතං ච නමාමි ඍණමුක්තයේ..6..

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

පීතාම්බරං පීතවර්ණං පීතගන්ධානුලේපනම්. පීතපුෂ්පෛඃ පූජ්යමානං නමාමි ඍණමුක්තයේ..7..

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

සර්වාත්මකං සර්වවර්ණං සර්වගන්ධානුලේපනම්. සර්වපුෂ්පෛඃ පූජ්යමානං නමාමි ඍණමුක්තයේ..8..

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

ඒතද් ඍණහරං ස්තෝත්රං ත්රිසන්ධ්යං යඃ පඨේන්නරඃ. ෂණ්මාසාභ්යන්තරේ තස්ය ඍණච්ඡේදෝ න සංශයඃ..9..

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

සහස්රදශකං කෘත්වා ඍණමුක්තෝ ධනී භවේත්. ඍණවිමෝචනං නාම ස්තෝත්රමේතත් පඨේන්නරඃ..10..

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

ස්මරාමි🔊smarāmiI remember / I meditate upon

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

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

මහාබලම්🔊mahā-balamthe mighty / of great strength

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

කෘපාසින්ධුම්🔊kṛpā-sindhumthe ocean of compassion

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

මහාසත්ත්වම්🔊mahā-sattvamof great essence / supremely pure being

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

ඒකාක්ෂරම්🔊ekākṣaramthe single imperishable syllable (Om)

ඒකදන්තම්🔊eka-dantamthe single-tusked one

බ්රහ්ම සනාතනම්🔊brahma sanātanamthe eternal Brahman

මහාවිඝ්නහරම්🔊mahā-vighna-haramthe remover of great obstacles

ශුක්ලාම්බරම්🔊śuklāmbaramclad in white garments

ශුක්ලගන්ධානුලේපනම්🔊śukla-gandhānulepanamanointed with white fragrant paste

රක්තාම්බරම්🔊raktāmbaramclad in red garments

රක්තපුෂ්පෛඃ පූජ්යමානම්🔊rakta-puṣpaiḥ pūjyamānambeing worshipped with red flowers

කෘෂ්ණයජ්ඤෝපවීතම්🔊kṛṣṇa-yajñopavītamwearing a dark sacred thread

පීතාම්බරම්🔊pītāmbaramclad in yellow garments

සර්වාත්මකම්🔊sarvātmakamthe soul of all / all-pervading

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

ෂණ්මාසාභ්යන්තරේ🔊ṣaṇ-māsābhyantarewithin six months

ඍණච්ඡේදඃ🔊ṛṇa-chchhedaḥthe cutting off / clearance of debt

න සංශයඃ🔊na saṁśayaḥthere is no doubt

සහස්රදශකම්🔊sahasra-daśakamten thousand (recitations)

ඍණමුක්තෝ ධනී භවේත්🔊ṛṇa-mukto dhanī bhavetbecomes 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

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Brings steadiness, discipline and confidence in managing finances

✦

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 Sinhala 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.