॥ 

Śrīkamalātmikā Kavacam ॥ (॥ श्रीकमलात्मिका कवचम् ॥)

Prologue:- Those desirous of wealth, both spiritual and material, need look no further than
the tenth Mahāvidya Śrī Kamalātmikā. This Śrī Kamalātmikā Kavacam offers immense protection
to the devotee and also provides abundant wealth. It is best to recite with any of Śrī Kamalātmikā’s
mantras for faster results.
Śrī Gaṇeśāya namaḥ ।
श्रीगणेशाय नमः ।
Obeisance to Lord Gaṇeśa. May He remove all obstacles and usher in auspiciousness.
atha vakṣe maheśāni kavacaṃ sarva-kāmadam ।
yasya vijñāna-mātreṇa bhavet-sākṣāt-sadāśivaḥ ॥ 1 ॥
अथ वक्षे महेशानि कवचं सर्वकामदम् ।
यस्य विज्ञानमात्रेण भवे त्साक्षात्सदाशिवः ॥ १ ॥
Oh powerful and magnificent Maheśi (Śakti), Please listen to this Kavacam/armor that fulfills all
desires and accomplishes every task. There is an immeasurable amount of knowledge, that can
be obtained through this kavacam. Thus spoke Lord Śiva to His consort Goddess Śakti,
introducing the wondrous Śrī Kamalātmikā Kavacam.
nārcanaṃ tasya deveśi mantra-mātraṃ japen-naraḥ ।
sa bhavet-pārvatī-putraḥ sarva-śāstra-viśāradaḥ ॥ 2 ॥
नार्चनं तस्य दे वेशि मन्त्रमात्रं जपे न्नरः ।
स भवे त्पार्वतीपु तर् ः सर्वशास्त्रविशारदः ॥ २ ॥
Oh magnificent One, Even if one recites this entire mantra kavacam without the arcana rituals
praising the Goddess Kamalā, He shall surely gain, in due course of time, the entire knowledge of
all the scriptures, like Lord Gaṇeśa.
vidyārthināṃ sadā sevyā dhanadātrī-viśeṣataḥ ।
vanārthibhiḥ sadā sevyā kamalā viṣṇu-vallabhā ॥ 3 ॥
विद्यार्थिनां सदा से व्या धनदात्रीविशे षतः ।
वनार्थिभिः सदा से व्या कमला विष्णुवल्लभा ॥ ३ ॥
All those seeking Divine Knowledge and spiritual wealth, will not be disappointed. Those seeking
material wealth, will abound in riches that will last lifetimes. One who serves and prays sincerely to
Goddess Kamalā (Lakṣmi), the consort of Lord Viṣṇu, will never have any lack of wealth, both
material and spiritual.
viniyogaḥ (विनियोगः) :-
oṃ asyāścaturakṣarī viṣṇu vallabhāyāḥ kavacasya śrī bhagavān śiva ṛṣīḥ ।
anuṣṭup chandaḥ ।
vāgbhavī śaktir devatā ।
vāgbhavaṃ bījaṃ ।
lajjā-ramā kīlakam ।
kāma-bījātmakaṃ kavacam mama supāṇḍitya-kavitva-sarvasiddhi-samṛddhaye pāṭhe
viniyogaḥ ॥
ॐ अस्याश्चतुरक्षरी विष्णु वल्लभायाः कवचस्य श्री भगवान् शिव ऋषीः ।
अनु ष्टु प्छन्दः ।
वाग्भवीशक्तिर् दे वता ।
वाग्भवं बीजं ।
लज्जा रमा कीलकम् ।
कामबीजात्मकं कवचम् मम सु पाण्डित्य-कवित्व-सर्वसिद्धि-समृ द्धये पाठे विनियोगः ॥
In honor of the four lettered Goddess Mahālakṣmi, the consort of Lord Viṣṇu, this Kamalā
Kavacam was composed by the sage/ṛṣīḥ Śrī Bhagavān Śiva (Lord Śiva). The metre or chandas,
is Anuṣṭup. The power/śakti and deity, is the knowledge bestowing Vāgbhavī. The seed/bīja is
Vāgbhava or knowledge. The key/kīlaka is Lajjāramā. This wish bestowing kavacam is also for
gaining immense knowledge, mastery of scriptures, poetry, magical powers, accomplishment of all
tasks and all round prosperity and health.
aiṅkāro mastake pātu vāgbhavo sarva-siddhidā ।
hrīm̐ pātu cakṣuṣor-madhye cakṣur-yugme ca śāṅkarī ॥ 4 ॥
ऐङ्कारो मस्तके पातु वाग्भवो सर्वसिद्धिदा ।
हर् ीँ पातु चक्षु षोर्मध्ये चक्षु र्यु ग्मे च शाङ्करी ॥ ४ ॥
The knowledge bestowing seed/bīja aim̐, protects the head and the knowledge bestowing
Vāgbhava, provides all magical siddhis. In addition, it also provides the knowledge to accomplish
all tasks.
The power, concentration and energizing seed/bīja hrīm̐, protects the middle of the forehead and
the fate transforming Goddess Śaṅkarī, protects the eyes.
The protection implied here, is for shielding us against misinformation as well as misleading
knowledge and steering us towards gaining the ultimate knowledge or Brahma jñāna, for self-
realization and spiritual liberation. The śloka (hymn) implicitly suggests the enhancement of the
Ājñā (third-eye/pineal gland) and Sahasrāra (crown) cakras and gaining enhanced perception of
the ultimate reality within and around us.
jihvāyāṃ mukhavṛtte ca karṇayor-dantayor-nasi ।
oṣṭhādhare danta-paṅktau tālumūle hanau punaḥ ॥ 5 ॥
जिह्वायां मुखवृ त्ते च कर्णयोर्दन्तयोर्नसि ।
ओष्ठाधरे दन्तपङ्क्तौ तालुम ूले हनौ पुनः ॥ ५ ॥
The tongue, face, ears, nostrils, upper and lower lips, upper and lower teeth and palette, as well
as the upper and lower jaws and cheeks -
pātu māṃ viṣṇu-vanitā lakṣmīḥ śrī-varṇa-rūpiṇī ।
skandha-yugme bhuja-dvandve stana-dvandve ca pārvatī ॥ 6 ॥
पातु मां विष्णु वनिता लक्ष्मीः श्रीवर्णरूपिणी ।
स्कन्धयु ग्मे भुजद्वन्द्वे स्तनद्वन्द्वे च पार्वती ॥ ६ ॥
are protected by Goddess Lakṣmī, the consort of Lord Viṣṇu, the divine Goddess Mother Śrī Lalita
Herself. Goddess Lakṣmī illumines our face and makes us standout with our achievements and
prosperity.
The mighty Goddess Pārvatī, protects the shoulders, arms, breasts and the entire chest region.
She provides us with a wonderful physique and an attractive body and personality.
hṛdaye maṇi-bandhe ca grīvāyāṃ pārśvayoḥ punaḥ ।
pṛṣṭha-deśe tathā guhye vāme ca dakṣiṇe tathā ।
upasthe ca nitambe ca nābhau jaṅghādvaye punaḥ ॥ 7 ॥
हृदये मणिबन्धे च ग्रीवायां पार्श्वयोः पुनः ।
पृ ष्ठदे शे तथा गु ह्ये वामे च दक्षिणे तथा ।
उपस्थे च नितम्बे च नाभौ जङ्घाद्वये पुनः ॥ ७ ॥
She also protects the heart, wrists, neck, ribs, both sides of the body, the entire back region, the
private parts, hips, buttocks, navel and thighs.
jānu-cakre pāda-dvandve ghuṭike'ṅguli-mūlake ।
svadhā tu prāṇa-śaktyātma sīmante mastake punaḥ ॥ 8 ॥
जानुचक् रे पादद्वन्द्वे घु टिकेऽङ्गु लिमूलके ।
स्वधा तु प्राणशक्त्यात्म सीमन्ते मस्तके पुनः ॥ ८ ॥
She also protects the knees, both the feet, ankles, soles, toes, and nails of the feet. Following the
breath through the entire constituents of the body from the head to the toes and again back to the
head and to the very ends of the hair, She energizes us fully and makes us complete, in all
respects.
vijayā pātu bhavane jayā pātu sadā mama ।
sarvāṅge pātu kāmeśī mahādevī sarasvatī ॥ 9 ॥
विजया पातु भवने जया पातु सदा मम ।
सर्वाङ्गे पातु कामेशी महादे वी सरस्वती ॥ ९ ॥
The victory-bestowing Vijayā protects the house and all our properties. The success-bestowing
Jayā protects at all times when in motion. All the body parts are protected by the wish fulfilling
Kāmeśī, the great Goddess Mahādevī and the knowledge bestowing Sarasvatī.
tuṣṭiḥ pātu mahāmāyā utkṛṣṭiḥ sarvadā'vatu ।
ṛddhiḥ pātu mahā devī sarvatra śambhu-vallabhā ॥ 10 ॥
तु ष्टिः पातु महामाया उत्कृष्टिः सर्वदाऽवतु ।
ऋद्धिः पातु महा दे वी सर्वत्र शम्भु वल्लभा ॥ १० ॥
All contentment and satisfaction is provided by the mysterious Mahāmāyā. She also bestows high
stature and elevation in society at all times.
Prosperity, wealth and abundance are all sustained by Mahādevī. The Divine Mother, the consort
of Śambhu/Śiva, also provides Her blessings, for us to excel at all times and at all places.
vāgbhavo sarvadā pātu pātu māṃ haragehinī ।
ramā pātu mahādevī pātu māyā svarāṭ svayaṃ ॥ 11 ॥
वाग्भवो सर्वदा पातु पातु मां हरगे हिनी ।
रमा पातु महादे वी पातु माया स्वराट् स्वयं ॥ ११ ॥
The all knowledge bestowing Vāgbhavi, protects us at all times. Protection is also bestowed upon
us by the consort (Pārvatī) of the destroyer Hara.  Protection is also ensured by the Goddess of
fortune Ramā (Lakṣmī), Protection is also guaranteed by the eternal Goddess Mahādevī and the
cause of the cosmic illusion Mahāmāyā Herself, as well.
sarvāṅge pātu māṃ lakṣmīr-viṣṇu-māyā sureśvarī ।
śivadūtī sadā pātu sundarī pātu sarvadā ॥ 12 ॥
सर्वाङ्गे पातु मां लक्ष्मीर्विष्णुमाया सुरेश्वरी ।
शिवदूती सदा पातु सु न्दरी पातु सर्वदा ॥ १२ ॥
The entire body and its parts are protected by the wealth-bestowing Goddess Lakṣmī, the
mysterious power of the Preserver Lord Viṣṇu. The Goddess Sureśvarī, the adored goddess of all
the celestial suras (gods), also protects us at all times. Complete protection is also ensured by
Śivadūtī,
the consort of Lord Śiva. The most beautiful and awesome Lalita Tripura Sundarī, also provides
Her circle of protection to the devotees of this kavacam.
bhairavī pātu sarvatra bheruṇḍā sarvadā'vatu ।
tvaritā pātu māṃ nityam-ugra-tārā sadā'vatu ॥ 13 ॥
भैरवी पातु सर्वत्र भे रुण्डा सर्वदाऽवतु ।
त्वरिता पातु मां नित्यमु गर् तारा सदाऽवतु ॥ १३ ॥
The fearsome Goddess Bhairavī protects at all times. The formidable and terrific Goddess
Bheruṇḍā, keeps watch over us at all times. The expeditious Tvaritā, comes to our rescue at all
times. So are the blessings of the glorious Mahāvidya Tārā and Her complete protection is
ensured at all times.
pātu māṃ kālikā nityaṃ kālarātriḥ sadā'vatu ।
navadurgāḥ sadā pātu kāmākṣī (kāmākhyā) sarvadā'vatu ॥ 14 ॥
पातु मां कालिका नित्यं कालरात्रिः सदाऽवतु ।
नवदु र्गा ः सदा पातु कामाक्षी (कामाख्या) सर्वदाऽवतु ॥ १४ ॥
The first Mahāvidya Kālikā also provides Her complete protection to the devotees of the kavacam.
The Goddess Kālarātri, who represents the highest turiyā states of consciousness, also keeps a
watch over us at all times.
The aspects of the Divine Mother, the nine auspicious Navadurgā-s, provide a complete ring of
protection and seal us from any harm whatsoever. The Divine Goddess the ever-menstruating
Kāmākhyā and the complete wish-fulfilling Kāmākṣī, take care of our interests at all times and
offer their protection as well.
yoginyaḥ sarvadā pātu mudrāḥ pātu sadā sama ।
mātrāḥ pātu sadā devyaś-cakrasthā yoginī gaṇāḥ ॥ 15 ॥
योगिन्यः सर्वदा पातु मुद ्राः पातु सदा सम ।
मात्राः पातु सदा दे व्यश्चक् रस्था योगिनी गणाः ॥ १५ ॥
The entire legion of Yoginis, all the power-bestowing mudrās (hand gestures), The powers
associated with the entire Sanskrit alphabet (mātrās) and their associated Mātṛkās, as well as all
the yantras and cakras (mystical diagrams) of the devas (gods) and their associated āvaraṇa
(covering) deities, protect us at all times.
sarvatra sarvakāryeṣu sarvakarmasu sarvadā ।
pātu māṃ devadevī ca lakṣmīḥ sarva-samṛddhidā ॥ 16 ॥
सर्वत्र सर्वकार्येषु सर्वकर्मसु सर्वदा ।
् दा ॥ १६ ॥
पातु मां दे वदे वी च लक्ष्मीः सर्वसमृ दधि
The Divine Mother Goddess Lakṣmī, offers Her blessings at all times and under all circumstances
and ensures successful accomplishment of all tasks and duties in a timely manner. She ensures
complete satisfaction and immense prosperity, to cherish for lifetimes.
phalaśruti (फलश्रुति) :-
iti te kathitaṃ divyaṃ kavacaṃ sarvasiddhaye ।
yatra patra na vaktavyaṃ yadī-cchedātmano hitam ॥ 17 ॥
इति ते कथितं दिव्यं कवचं सर्वसिद्धये ।
यत्र पत्र न वक्तव्यं यदीच्छे दात्मनो हितम् ॥ १७ ॥
This Divine Kavacam grants all magical siddhis (powers/perfections) to the faithful. For it to take
effect, one must show complete devotion and sincerity and not criticize or speak in disparagement.
śaṭhāya bhaktihīnāya nindakāya maheśvarī ।
nyūnāṅge cātiriktāṅge darśayenna kadācana ॥ 18 ॥
शठाय भक्तिहीनाय निन्दकाय महे श्वरी ।
न्यूनाङ्गे चातिरिक्ताङ्गे दर्शये न्न कदाचन ॥ १८ ॥
The Divine Mother Maheśvarī, never reveals Herself to cheaters, those who lack devotion, or
those who blame others for their ills. Those who are spiritually devoid or with malefic desires and
bearing impure thoughts and intentions, may also be deprived of Her vision.
(A defective mindset and impure intentions are referenced in this śloka and not necessarily bodily
defects.)
na stavaṃ darśayed-divyaṃ sandarśya śivahā bhavet ।
kulīnīya mahecchāya durgā-bhakti-parāya ca ॥ 19 ॥
् व्यं सन्दर्श्य शिवहा भवे त् ।
न स्तवं दर्शये ददि
कुलीनीय महे च्छाय दु र्गा भक्तिपराय च ॥ १९ ॥
This stotram/stavam (hymn) will not manifest its wondrous results, if one is not a believer and a
worshipper of the Divine Mother Śakti or any of Her manifestations. It has been revealed for the
followers of the kulā/kaulā (family tradition) and also for the benefit of worshippers of Goddess
Durgā and all Her aspects.
vaiṣṇavāya viśuddhāya dadyāt-kavaca-muttamam ।
nija-śiṣyāya śāntāya dhanine jñānine tathā ॥ 20 ॥
वै ष्णवाय विशु द्धाय दद्यात्कवचमु त्तमम् ।
निजशिष्याय शान्ताय धनिने ज्ञानिने तथा ॥ २० ॥
The worshippers of Lord Viṣṇu and all other devotional, virtuous, peace-loving, and spiritual
minded people may take advantage of this highly revered hymn and chant for all desires, material
and spiritual.
dadyāt kavacamit-yuktaṃ sarva-tantra-samanvitam ।
śanau maṅgalavāre ca rakta-candana-kaistathā ॥ 21 ॥
दद्यात् कवचमित्यु क्तं सर्वतन्त्रसमन्वितम् ।
शनौ मङ्गलवारे च रक्तचन्दनकैस्तथा ॥ २१ ॥
One who recites the kavacam with the mantra of Śrī Kamalātmikā, will receive the benefits of
chanting the mantras of all tantras. This kavacam has the potency of all tantras combined! One
may recite the kavacam on Saturdays and/or Tuesdays, with red sandalwood smeared on their
body.
yāvakena likhen-mantraṃ sarva-tantra-samanvitam ।
vilikhya kavacaṃ divyaṃ svayambhu kusumaiḥ śubhaiḥ ॥ 22 ॥
यावकेन लिखे न्मन्त्रं सर्वतन्त्रसमन्वितम् ।
विलिख्य कवचं दिव्यं स्वयम्भु कुसुमैः शु भैः ॥ २२ ॥
Writing the mantras in the aforesaid manner, will also confer the same benefits, which is the sum
total of all tantras combined. Writing the entire kavacam will confer auspiciousness and may
manifest the direct presence of the Divine Mother. One will surely obtain all prosperity if the Divine
Mother is worshipped with flower blossoms.
svaśukraḥ praśukrairvā nānā-gandha samanvitaiḥ ।
gorocanā kuṅkumena rakta-candana-kena vā ॥ 23 ॥
स्वशु क्रः प्रशु क्रैर्वा नानागन्ध समन्वितै ः ।
गोरोचना कुङ्कुमे न रक्तचन्दनकेन वा ॥ २३ ॥
One may also inscribe the mantras and/or the kavacam with one’s one sexual discharges (if there
is a desire to attract someone) and/or with those of any others and/or with various unguents mixed
together with the essence of a bezoar stone from a cow, called gorocanā and a red powder called
Kuṅkuma, along with red sandal wood powder – Raktacandana.
sutithau śubhāyoge vā śravaṇāyāṃ raver-dine ।
āśvinyām kṛttikāyāṃ vā phālgunyāṃ vā maghāsu ca ॥ 24 ॥
सु तिथौ शु भायोगे वा श्रवणायां रवे र्दिने ।
आश्विन्याम् कृत्तिकायां वा फाल्गु न्यां वा मघासु च ॥ २४ ॥
The inscription may be done on an auspicious day and time (tithi/muhurta/yoga), when the planets
are aligned properly bestowing benefits, during the moon’s transit of Śravaṇa nakṣatra (asterism)
on a Sunday; or, during the moon’s transit of the Aśvinī, Kṛttikā, Phālgunī, Maghā nakṣatras.        
pūrva-bhādra-padāyoge svātyāṃ maṅgala-vāsare ।
vilekhet-prapaṭhet-stotraṃ śubhayoge surālaye ॥ 25 ॥
पूर्व भाद्रपदायोगे स्वात्यां मङ्गलवासरे ।
विलेखेत्प्रपठे त्स्तोत्रं शु भयोगे सुरालये ॥ २५ ॥
The inscription can also be done during the moon’s transit of Pūrva bhādrapada nakṣatra on
Tuesdays. One may write or recite the stotram, at all auspicious occasions and days and in places
of worship.
āyuṣmat-prīti-yoge ca brahma-yoge viśeṣataḥ ।
īndra-yoge śubhe yoge śukra-yoge tathaiva ca ॥ 26 ॥
आयु ष्मत्प्रीतियोगे च ब्रह्मयोगे विशे षतः ।
ईन्द्रयोगे शु भे योगे शु क्रयोगे तथै व च ॥ २६ ॥
Especially during the auspicious timings of āyuṣman or the life prolonging phase, during the
knowledge bestowing Brahmå phase, Victory-enhancing Indra phase, auspiciousness-bestowing
śubha phase and during the bliss bestowing śukra phase. It should be recited in a temple.
kaulake bālake caiva vaṇije caiva sattamaḥ ।
śunyāgāre śmaśāne ca vijane ca viśeṣataḥ ॥ 27 ॥
कौलके बालके चै व वणिजे चै व सत्तमः ।
शु न्यागारे श्मशाने च विजने च विशे षतः ॥ २७ ॥
During the times corresponding to the specific Kāraṇas (half a lunar day, further split per Vedic
calculations) of Kaulava, Bālava and Vaṇija, It is recommended to recite the kavacam, in quiet and
desolate places or burial grounds, or any uncrowded places.
kumārīṃ pūjasitvādau yajed-devīṃ sanātanīm ।
matsyair-māmsaiḥ śākasūpaiḥ pūjayet-para-devatām ॥ 28 ॥
कुमारीं पूजसित्वादौ यजे द्देवीं सनातनीम् ।
मत्स्यै र्मा म्सै ः शाकसूपैः पूजये त्परदे वताम् ॥ २८ ॥
To invoke the blessings of the Goddess, One must offer prayers to a young girl followed by the
deity representing the Divine Mother Herself. Those following Vāma (left-handed path of worship)
and/or Kaula (Middle path) mārgas (traditions) may offer fish and meat, as well as fruits and
vegetables in their pūja rituals. Those following the right handed Dakṣiṇa mārga (tradition) may
offer fruits, vegetables and any cooked vegetarian food. Those following the meditational samaya
mārga (tradition) may make their offerings internally (mentally) and invoke the appropriate mudrās.
ghṛtādyaiḥ sopakaraṇaiḥ puṣpa-dhūpair-viśeṣataḥ ।
brahmaṇān bhogyitvā ca pūjayet-parameśvarīṃ ॥ 29 ॥
घृ ताद्यै ः सोपकरणै ः पु ष्पधूपैर्विशे षतः ।
ब्रह्मणान् भोग्यित्वा च पूजये त्परमे श्वरीं ॥ २९ ॥
The Divine Mother should be worshipped in a proper manner with flowers, incense and light,
offered to Her in a ritualistic manner and priests must be fed with food cooked in a traditional
manner with clarified butter or ghee and sweet lentil cakes and other well-cooked spicy meals.
This will invoke further blessings and fructification of the kavacam. 
ākheṭakam-upākhyānaṃ tatra kuryād-dina-trayam ।
tadādaren-mahāvidyāṃ śaṅkareṇa prabhāṣitām ॥ 30 ॥
आखे टकमु पाख्यानं तत्र कुर्याद्दिनत्रयम् ।
तदादरे न्महाविद्यां शङ्करे ण प्रभाषिताम् ॥ ३० ॥
One should diligently pursue the recitation, as one would chase and perceive their dreams and
wishes, by performing the recitation and associated rituals three times a day. This is the way to
please the great Mahāvidyā Śrī Kamalātmikā, as per the great traditions propounded by Lord
Śaṅkara.
māraṇa-dvaiṣṇādīni labhate nātra saṃśayaḥ ।
sa bhavet-pārvatī-putraḥ sarva-śāstra-puras-kṛtaḥ ॥ 31 ॥
मारणद्वै ष्णादीनि लभते नात्र संशयः ।
स भवे त्पार्वतीपु तर् ः सर्वशास्त्रपुरस्कृतः ॥ ३१ ॥
By observing these practices over a period of time, one would be protected fully from the wicked
people and entities bent upon destroying, killing and/or spreading hatred on us. One would also
become equal to Lord Gaṇeśa, in mastering all the scriptures (śāstras) fully and gain the full
blessings of the Divine Mother Pārvatī.
gurud-devo haraḥ sākṣāt-patnī tasya hara-priyā ।
abhedena bhajedyastu tasya siddhir-adūrataḥ ॥ 32 ॥
गु रुद्दे वो हरः साक्षात्पत्नी तस्य हरप्रिया ।
अभे देन भजे द्यस्तु तस्य सिद्धिरदूरतः ॥ ३२ ॥
Gradually, one obtains the realization that one’s true spiritual guru ((master) is none other than
Lord Śiva Himself and one’s wife is none other than an aspect of the Divine Mother Śakti Herself.
One begins to see the combination of Śiva-Śakti everywhere.
paṭhati ya eha martyo nityam-ārdra-antarātmā ।
japa-phalam-anumeyaṃ lapsyate yadvideyam ।
sa bhavati padam-uccaiḥ sampadāṃ pādanamra-kṣitipa-mukuṭa-lakṣmīr-lakṣaṇānāṃ
cirāya ॥ 33 ॥
पठति य एह मर्त्यो नित्यमार्द्रान्तरात्मा ।
जपफलमनुमेयं लप्स्यते यद्विदे यम् ।
स भवति पदमु च्चै ः सम्पदां पादनम्र-क्षितिपमु कुटलक्ष्मीर्लक्षणानां चिराय ॥ ३३ ॥
One who recites this stotram/hymn with fervent devotion and belief from deep within his heart and
mind, on a daily basis will surely gain all the immeasurable benefits of the mantra japa, of this
kavacam, and that of Śrī Kamalātmikā mantra. One will abound in bountiful riches within this very
lifetime and never lack in any success. One’s status will be elevated to that of royalty, and they will
lead a very respectful life and gain adoration of many.
॥ iti viśvasāratantre śrīkamalātmikā kavacaṃ sampūrṇam ॥
॥ इति विश्वसारतन्त्रे श्रीकमलात्मिका कवचं सम्पूर्णम् ॥
Thus ends the Śrī Kamalātmikā kavacam derived from the Viśvasāra Tantram.

 Śrī Kamalā Stotram (श्री कमला स्तोत्रम् )

Prologue:- Śrī Kamalātmikā is the tenth Mahāvidya and is referred to as the tantric Mahālakṣmi.
She is the bestower of all wealth, material and spiritual. There is absolutely nothing that cannot be
obtained with Her mantra japa and recitation of hyms dedicated to Her. This is one such hymn
called Śrī Kamalā Stotram from the Śrī Viṣṇu Purāṇa, which can bestow all wealth, health and
prosperity that one could hope for. Those facing financial troubles of any kind, or in need of
greater wealth, should take advantage of this hymn and recite it with great devotion and faith. The
Divine Mother will not fail any of Her devotees and this hymn is highly coveted to produce the
desired results. One must also be very careful in what they wish for and not fall in the trap of the
cosmic illusion Mahāmāyā and thereby accumulate karmas, which do not bring benefit towards the
ultimate goal of spiritual emancipation.
Śrī Kamalātmikā is also referred to as sthira/fixed Lakṣmi, indicating stable wealth and prosperity.
Since the Goddess Lakṣmi, is considered to be very mobile and seldom remain stable at one
place, worship to Goddess Kamalātmikā, helps in keeping all our wealth and belongings safe and
growing.
 
Śrī Parameśvara uvaca (श्री परमे श्वर उवच) :-  Lord Śiva/Parameśvara speaks to Devi/Goddess
Pārvati:-
oṃkārarūpiṇī devi viśuddha-sattva-rūpiṇī ।
devānāṃ jananī tvaṃ hi prasannā bhava sundari ॥ 1 ॥
ओंकाररूपिणी दे वि विशु द्धसत्त्वरूपिणी ।
दे वानां जननी त्वं हि प्रसन्ना भव सु न्दरि ॥ १ ॥
Oh Divine Mother Śakti manifested as Śrī Kamalātmika, the tenth aspect of
the Daśamahāvidyās (Ten Wisdom Goddesses). You are the very form of the Super-
Consciousness manifested as Sound – Śabda Brahman - om̐. You are the complete Whole in
whom the entire Creation exists. You are the purest supreme bliss and Super-Consciousness
personified/manifested with attributes - Saguṇa Brahman.
Oh Divine Mother, you are the Universal Mother who has manifested the entire Creation consisting
of the celestial Devās (gods) and all other beings.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tanmātraṃ caiva bhūtāni tava vakṣa-sthalaṃ smṛtam ।
tvameva vedagamyā tu prasannā bhava sundari ॥ 2 ॥
तन्मात्रच
ं ै व भूतानि तव वक्षस्थलं स्मृ तम् ।
त्वमे व वे दगम्या तु प्रसन्ना भव सु न्दरि ॥ २ ॥
Oh Divine Mother, You are that subtle element which is the cause of the sensory perceptions -
tanmātras [śabda/sound, sparśa/touch (tangible perceptible quality), rūpa/form (appearance),
rasa/essence (juice) and gandha/fragrance (smell) ] that intermix and form the five basic elements
of nature (mahā-pañca-bhūtās),  namely: earth, water, fire, air and ether. The entire Creation is close
to your chest and is very dear to you.
Oh Divine Mother, You are known through the path of the Vedas. You are the very essence of the
Vedas.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
deva dānava gandharva yakṣa rākṣasa kinnaraḥ ।
stūyase tvaṃ sadā lakṣmi prasannā bhava sundari ॥ 3 ॥
दे व दानव गन्धर्व यक्ष राक्षस किन्नरः ।
स्तूयसे त्वं सदा लक्ष्मि प्रसन्ना भव सु न्दरि ॥ ३ ॥
Oh Divine Mother, You are worshipped by the celestial Devas, their mighty cousins Dānavas, as
well as the wonderful Gandharvas, the terrific Yakṣas, the demonic Rākṣasas as well as the tiny,
little Kinnaras. You are worshipped by all beings and omnipresent. You are the most fascinating,
wondrous and bountiful Lakṣmi.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
lokātītā dvaitātītā samasta bhūta veṣṭitā ।
vidvaj jana kīrttitā ca prasannā bhava sundari ॥ 4 ॥
लोकातीता द्वै तातीता समस्तभूतवे ष्टिता ।
विद्वज्जनकीर्त्तिता च प्रसन्ना भव सु न्दरि ॥ ४ ॥
Oh Divine Mother, You are beyond the Creation that exists around us. You are also beyond the
dualities/dvaita that we worship in various forms, to appease you. You are NOT of any specific
realm nor of any material or essence that can be perceived. You are beyond the Tanmātras and
Pañcabhūtās. You are extolled and incessantly praised by the scholars and the faithful.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
paripūrṇā sadā lakṣmi trātrī tu śaraṇārthiṣu ।
viśvādyā viśvakatrīṃ ca prasannā bhava sundari ॥ 5 ॥
परिपूर्णा सदा लक्ष्मि त्रात्री तु शरणार्थिषु ।
विश्वाद्या विश्वकत्रीं च प्रसन्ना भव सु न्दरि ॥ ५ ॥
Oh Divine Mother, You are the eternal Super-Consciousness called Lakṣmi. You are the Creator,
Preserver and Destroyer. You are our eternal Protector and bless all those who seek refuge in
you.
Oh Divine Mother, You are the architect of Everything that has manifested and you are the cause.
You are the complete Whole and encompass everything.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
brahmarūpā ca sāvitrī tvad-dīptyā bhāsate jagat ।
viśvarūpā vareṇyā ca prasannā bhava sundari ॥ 6 ॥
ब्रह्मरूपा च सावित्री त्वद्दीप्त्या भासते जगत् ।
विश्वरूपा वरे ण्या च प्रसन्ना भव सु न्दरि ॥ ६ ॥
Oh Divine Mother, You are the force of Creation. You have manifested as Sāvitrī, the śakti of the
Creator Brahma. You are the illuminator of all worlds and the entire Creation. You are infinite,
Omniscient and Omnipresent.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
kṣityap-tejo-marud-vyoma-pañca-bhūta-svarūpiṇī ।
bandhādeḥ kāraṇaṃ tvaṃ hi prasannā bhava sundari ॥ 7 ॥
क्षित्यप्ते जोमरुद्व्योमपञ्चभूतस्वरूपिणी ।
बन्धादे ः कारणं त्वं हि प्रसन्ना भव सुद
ं रि ॥ ७ ॥
Oh Divine Mother, You are kṣiti – Earth, aptya – Water, tejas – Fire, marut – Air, vyoman – Ether
and their cause – the tanmātras. You dwell in all the Pañcabhūtas (five natural elements) and their
constituent elements. You are the cause and the effect. You are the binding glue that keeps
everything in place and in motion.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
maheśe tvaṃ hemavatī kamalā keśave'pi ca ।
brahmaṇaḥ preyasī tvaṃ hi prasannā bhava sundari ॥ 8 ॥
महेशे त्वं हे मवती कमला केशवे ऽपि च ।
ब्रह्मणः प्रेयसी त्वं हि प्रसन्ना भव सु न्दरि ॥ ८ ॥
You have manifested as the snow colored Hemavatī (Pārvatī), the consort/śakti/power of the
Destroyer Maheśvara. You are in the form of Kamalā (Lakṣmī), the consort/śakti/power of the
Preserver and Sustainer Keśavā (Viṣṇu). You are also manifested as Sarasvatī, the knowledge
giver and the consort/śakti/power of the Creator Brahma.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
caṇḍī durgā kālikā ca kauśikī siddhirūpiṇī ।
yoginī yogagamyā ca prasannā bhava sundari ॥ 9 ॥
चण्डी दु र्गा कालिका च कौशिकी सिद्धिरूपिणी ।
योगिनी योगगम्या च प्रसन्ना भव सु न्दरि ॥ ९ ॥
Oh Divine Mother, You have manifested in innumerable forms, of which Caṇḍī, Durgā, Kālikā,
Siddhirūpiṇī (Various Siddhis) and as various Yoginīs, for the benefit of the Entire Creation.
Oh Divine Mother, Your true form is beyond sensory perception and understanding. You are the
true bliss that only great Yogis can experience through intense meditation.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
bālye ca bālikā tvaṃ hi yauvane yuvatīti ca ।
sthavire vṛddharūpā ca prasannā bhava sundari ॥ 10 ॥
बाल्ये च बालिका त्वं हि यौवने यु वतीति च ।
स्थविरे वृ द्धरूपा च प्रसन्ना भव सु न्दरि ॥ १० ॥
Oh Divine Mother, You are manifested in all the forms of Tripura or triads. You are the adolescent
Bālā, the cause of all Manifestation and the force of Creation and knowledge. You are the youthful
Lalitā Tripura Sundari, the cause of all play and the force of Sustenance and Preservation. You
are also the very wise and primordial Tripura Bhairavi, the force of destruction and transformation.
There is nothing that is not You!
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
guṇamayī guṇātītā ādyā vidyā sanātanī ।
mahat-tattvādi-saṃyuktā prasannā bhava sundari ॥ 11 ॥
गु णमयी गु णातीता आद्या विद्या सनातनी ।
महत्तत्त्वादिसंयुक्ता प्रसन्ना भव सु न्दरि ॥ ११ ॥
Oh Divine Mother, You represent all guṇas/qualities inherent in all beings. You are the very source
of all the guṇas or qualities of sattva/benign, rajas/emotions and tamas/violence. Yet, you are
above all the qualities. You are the manifested Super-Consciousness or the very first Being -
Saguṇa Brahman, who in turn, is the cause of all Creation. You are the source of all knowledge,
material and spiritual that encompasses everything that is, in all the multi-dimensional multi-verse.
You are the great amalgamation of Everything and are a representative Whole of the entire
Creation.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tapasvinī tapaḥ siddhi svarga-siddhi-stadarthiṣu ।
cinmayī prakṛtistvaṃ tu prasannā bhava sundari ॥ 12 ॥
तपस्विनी तपः सिद्धि स्वर्गसिद्धिस्तदर्थिषु ।
चिन्मयी प्रकृतिस्त्वं तु प्रसन्ना भव सु न्दरि ॥ १२ ॥
Oh Divine Mother, You are the very purpose and the desired result or siddhi of tapasya/meditation.
You are also the heaven that all beings seek. You are also the Superintelligence and the Supreme
Being that is the cause of all material and spiritual manifestation.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tvam-ādir-jagatāṃ devi tvameva sthiti-kāraṇam ।
tvamante nidhana-sthānaṃ svecchācārā tvamevahi ॥ 13 ॥
त्वमादिर्जगतां दे वि त्वमे व स्थितिकारणम् ।
त्वमन्ते निधनस्थानं स्वे च्छाचारा त्वमे वहि ॥ १३ ॥
Oh Divine Mother, You are the very root cause of all Creation and You infuse life into all beings.
You sustain Your own Creation and You also absorb within Yourself, all of it, when it is destroyed.
You are not bound to anything and move freely without any restrictions anywhere you please. You
are the Omnipresent, Omniscient Super-Consciousness which alone exists!
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
carācarāṇāṃ bhūtānāṃ bahir-anta-stvameva hi ।
vyāpya-vyāka-rūpeṇa tvaṃ bhāsi bhakta-vatsale ॥ 14 ॥
चराचराणां भूतानां बहिरन्तस्त्वमे व हि ।
व्याप्यव्याकरूपे ण त्वं भासि भक्तवत्सले ॥ १४ ॥
Oh Divine Mother, You are present in both movable and immovable objects and beings. You are
within and also outside of all matter in existence. There is no place where you are not present and
have not bestowed your benevolent grace. Your true form is pure bliss.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tvan-māyayā hṛt-ajñānā naṣṭātmāno vicetasaḥ ।
gatāgataṃ prapadyante pāpa-puṇya-vaśāt-sadā ॥ 15 ॥
त्वन्मायया हृतज्ञाना नष्टात्मानो विचे तसः ।
गतागतं प्रपद्यन्ते पापपु ण्यवशात्सदा ॥ १५ ॥
Oh Divine Mother, It is through Your own power of Māya or the virtual illusion that You have cast
upon us, that we are unaware of your true existence. Out of sheer ignorance, misinformation and
disbelief, we face innumerable difficulties and losses caused by the karmic power wielded by
Māya. All the ups and downs of life, propagate through karma and māya and we gain sins and
virtues, bad and good karmas, which once again put us back, in the cycle of life and death for
perpetuity.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tāvan-satyaṃ jagad-bhāti śuktikā-rajataṃ yathā ।
yāvanna jñāyate jñānaṃ cetasā nānvagāminī ॥ 16 ॥
तावन्सत्यं जगद्भाति शु क्तिकारजतं यथा ।
यावन्न ज्ञायते ज्ञानं चे तसा नान्वगामिनी ॥ १६ ॥
Oh Divine Mother, Just like one is deceived by the silvery appearance of a seashell and mistakes
it for real silver, those who understand and realize your true form and essence, become
disillusioned with the material existence and yearn to merge in you forever.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tvaj-jñānāttu sadā yuktaḥ putradāra-gṛhādiṣu ।
ramante viṣayān-sarvānante dukhapradān dhruvam ॥ 17 ॥
त्वज्ज्ञानात्तु सदा यु क्तः पु तर् दारगृ हादिषु ।
रमन्ते विषयान्सर्वानन्ते दुखप्रदान् ध्रुवम् ॥ १७ ॥
Oh Divine Mother, One who is not fully aware of your true form and essence, lives his entire
lifetime focusing on material needs, children, home and acquisition of material wealth. Such a
person will eventually perish in sorrow, with the ignorance of life’s true purpose and the lack of
understanding and knowledge of your true Self.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
tvadājñayā tu deveśi gagane sūryamaṇḍalam ।
candraśca bhramate nityaṃ prasannā bhava sundari ॥ 18 ॥
त्वदाज्ञया तु दे वेशि गगने सूर्यमण्डलम् ।
चन्द्रश्च भ्रमते नित्यं प्रसन्ना भव सु न्दरि ॥ १८ ॥
Oh Divine Mother, One who is worshipped by the celestial gods and all Creation. It is out of your
own will, that the Sun and Moon shine in the skies and illuminate the world. All that happens is by
your own will and you are the cause and effect, the observer and the observed.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
brahmeśa-viṣṇu-jananī brahmākhyā brahma-saṃśrayā ।
vyaktāvyakta ca deveśi prasannā bhava sundari ॥ 19 ॥
ब्रह्मे शविष्णुजननी ब्रह्माख्या ब्रह्मसंशर् या ।
व्यक्ताव्यक्त च दे वेशि प्रसन्ना भव सु न्दरि ॥ १९ ॥
Oh Divine Mother, You are the cause and origin of the Creator Brahma, Preserver Viṣṇu and the
Destroyer Rudra. You grant them the respective powers and assign duties to serve the Creation.
You are the communicator and you are the ultimate power that controls the welfare of the entire
Creation.
Oh Divine Mother, You manifest yourself as the Dynamic Super-Consciousness - Saguṇa
Brahman and take various forms and you are also the Static Super-Consciousness - Nirguṇa
Brahman, without any attributes. You are true bliss who is beyond any sensory perception.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
acalā sarvagā tvaṃ hi māyātītā maheśvari ।
śivātmā śāśvatā nityā prasannā bhava sundari ॥ 20 ॥
अचला सर्वगा त्वं हि मायातीता महे श्वरि ।
शिवात्मा शाश्वता नित्या प्रसन्ना भव सु न्दरि ॥ २० ॥
Oh Divine Mother, You are both mobile and immobile. Static (Saguṇa Brahman), Dynamic
(Nirguṇa Brahman) and Unmanifested Super consciousness (Para Brahman). You envelop the
entire Creation with the power of illusion - Māyā that causes deception. You are also the
illuminating power of true knowledge and transformation – Maheśvari, the very essence of Śiva,
who provides everlasting bliss and dispels the illusory Māyā, revealing your true form of pure bliss.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
sarvakāya-niyantrī ca sarva-bhūteśvarī ।
anantā niṣkālā tvaṃ hi prasannā bhavasundari ॥ 21 ॥
सर्वकायनियन्त्री च सर्वभूतेश्वरी ।
अनन्ता निष्काला त्वं हि प्रसन्ना भवसु न्दरि ॥ २१ ॥
Oh Divine Mother, You are the Protector and Sustainer of the entire Creation. You take care of the
needs of all beings as well as the material universe. You are infinite and everlasting, Omniscient
and Omnipresent.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
sarveśvarī sarvavadyā acintyā paramātmikā ।
bhukti-mukti-pradā tvaṃ hi prasannā bhava sundari ॥ 22 ॥
सर्वेश्वरी सर्ववद्या अचिन्त्या परमात्मिका ।
भु क्तिमु क्तिप्रदा त्वं हि प्रसन्ना भव सु न्दरि ॥ २२ ॥
Oh Divine Mother, You are the Lord of all. You are worshipped and adored by the entire Creation.
You are the inconceivable Reality that is the Super-Consciousness and is also the individual
consciousness present in every being and the entire Creation.
Oh Divine Mother, You provide both sustenance and liberation to all souls.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
brahmāṇī brahmaloke tvaṃ vaikuṇṭhe sarva-maṅgalā ।
indrāṇī amarāvatyām-ambikā varūṇālaye ॥ 23 ॥
ब्रह्माणी ब्रह्मलोके त्वं वै कुण्ठे सर्वमङ्गला ।
इन्द्राणी अमरावत्यामम्बिका वरूणालये ॥ २३ ॥
Oh Divine Mother, You are the knowledge bestowing Mātṛkā Goddess Brahmāṇī of Brahmaloka,
governing the upper direction. You are the bountiful Mātṛkā Goddess Sarva maṅgalā Lakṣmī of
Vaikuṇṭha, governing the downward direction. You are also the most powerful and thundering
Mātṛkā Goddess Indrāṇī of Amarāvati, governing the Eastern direction. You are also the gut-filling
and thirst quenching, as well as the wish fulfilling Goddess Ambikā of Varūṇālaya, governing the
Western direction.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
yamālaye kālarūpā kubera-bhavane śubhā ।
mahānandāgnikoṇe ca prasannā bhava sundari ॥ 24 ॥
यमालये कालरूपा कुबेरभवने शु भा ।
महानन्दाग्निकोणे च प्रसन्ना भव सु न्दरि ॥ २४ ॥
Oh Divine Mother, You are the soul harvesting Goddess Kālarūpā of Yama loka, governing the
Southern direction. You are the material wealth bestowing Śubhā residing in the residence of the
celestial treasurer Kubera, governing the Northern direction. You are also the blissful Mahānanda
residing in the Fire/Agni, who burns away our karma and grants us liberation. You are the
governor of the South-Eastern direction.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
naiṛrtyāṃ raktadantā tvaṃ vāyavyāṃ mṛga-vāhinī ।
pātāle vaiṣṇavī-rūpā prasannā bhava sundari ॥ 25 ॥
नै ऋर्त्यां रक्तदन्ता त्वं वायव्यां मृ गवाहिनी ।
पाताले वै ष्णवीरूपा प्रसन्ना भव सु न्दरि ॥ २५ ॥
Oh Divine Mother, You are the menacing Goddess Raktadantā, governing the South-Western
direction. You are the free-flowing and windy Goddess Mṛgavāhinī, governing the North-Western
direction. You are also the netherworldly ruling Goddess Vaiṣṇavī.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
surasā tvaṃ maṇidvīpe aiśānyāṃ śūladhāriṇī ।
bhadrakālī ca laṅkāyāṃ prasannā bhava sundari ॥ 26 ॥
सुरसा त्वं मणिद्वीपे ऐशान्यां शूलधारिणी ।
भद्रकाली च लङ्कायां प्रसन्ना भव सु न्दरि ॥ २६ ॥
Oh Divine Mother, You are the celestial worshipped Goddess Surasā/Lalitā of the fascinating and
gem-filled Maṇidvīpa. You are the triad representing and ego vanquishing Goddess Śūladhāriṇī of
the North-Eastern direction. You are the mind transforming Goddess Bhadrakālī of Laṅkā.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
rāmeśvarī setubandhe siṃhale devamohinī ।
vimalā tvaṃ ca śrīkṣetre prasannā bhava sundari ॥ 27 ॥
रामे श्वरी से तुबन्धे सिंहले दे वमोहिनी ।
विमला त्वं च श्रीक्षे तर् े प्रसन्ना भव सु न्दरि ॥ २७ ॥
Oh Divine Mother, You are the cherished Goddess of Lord Rāma and knows as Rāmeśvarī of
Setubandha (Adam’s bridge), the stone bridge that connects India with Sri Lanka. You are also the
celestial mesmerizer Devamohinī of Siṃhala – Sri Lanka. You are the spotless and pure Vimalā of
Śrīkṣetra – Pūrī Jagannāth Temple.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
kālikā tvaṃ kālighāṭe kāmākhyā nīlaparvata ।
virajā oḍradeśe tvaṃ prasannā bhava sundari ॥ 28 ॥
कालिका त्वं कालिघाटे कामाख्या नीलपर्वत ।
विरजा ओड्रदे शे त्वं प्रसन्ना भव सु न्दरि ॥ २८ ॥
Oh Divine Mother, You are the terrifying Goddess Kālikā of Kālighāṭ in Kolkata. You are also the
wish-fulfilling Kāmākhyā of the purple mountain Nīlaparvata in Guwahati. You are the
dispassionate Goddess Viraja of Jajpur, Odisha.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
vārāṇasyām-annapūrṇā ayodhyāyāṃ maheśvarī ।
gayāsurī gayādhāmni prasannā bhava sundari ॥ 29 ॥
वाराणस्यामन्नपूर्णा अयोध्यायां महे श्वरी ।
गयासुरी गयाधाम्नि प्रसन्ना भव सु न्दरि ॥ २९ ॥
Oh Divine Mother, You are the food giver and benign Goddess Annapūrṇā, of Vārāṇasi. You are
the sin-vanquishing and karma-destroying Goddess Maheśvarī of Ayodhya. You are the bliss
providing Goddess Gayāsurī of Gayā.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
bhadrakālī kurūkṣetre tvaṃca kātyāyanī vraje ।
māhāmāyā dvārakāyāṃ prasannā bhava sundari ॥ 30 ॥
भद्रकाली कुरूक्षे तर् े त्वंच कात्यायनी व्रजे ।
माहामाया द्वारकायां प्रसन्ना भव सु न्दरि ॥ ३० ॥
Oh Divine Mother, You are the victory-bestowing Goddess Bhadrakālī of Kurūkṣetra. You are the
ego-vanquishing Goddess Kātyāyanī of Vraja. You are the virtual illusion Goddess Māhāmāyā of
Dvārakā.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
kṣudhā tvaṃ sarvajīvānāṃ velā ca sāgarasya hi ।
maheśvarī mathurāyāṃ ca prasannā bhava sundari ॥ 31 ॥
क्षु धा त्वं सर्वजीवानां वेला च सागरस्य हि ।
महे श्वरी मथु रायां च प्रसन्ना भव सु न्दरि ॥ ३१ ॥
Oh Divine Mother, You are the cause of all hunger in all beings. You are also the cause of
gravitational force, which induces tidal waves in the seas. You are the most beautiful and
astounding Goddess Maheśvarī of Mathurā.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
rāmasya jānakī tvaṃ ca śivasya manamohinī ।
dakṣasya duhitā caiva prasannā bhava sundari ॥ 32 ॥
रामस्य जानकी त्वं च शिवस्य मनमोहिनी ।
दक्षस्य दु हिता चै व प्रसन्ना भव सु न्दरि ॥ ३२ ॥
Oh Divine Mother, You are Jānakī/Sīta the consort of Lord Rāma. You are the Goddess
Manamohinī/Satī, the daughter of the King Dakṣa, who could enchant Lord Śiva Himself.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
viṣṇu-bhakti-pradāṃ tvaṃ ca kaṃsāsura-vināśinī ।
rāvaṇa-nāśināṃ caiva prasannā bhava sundari ॥ 33 ॥
विष्णु भक्तिप्रदां त्वं च कं सासुरविनाशिनी ।
रावणनाशिनां चै व प्रसन्ना भव सु न्दरि ॥ ३३ ॥
Oh Divine Mother, You are the bestower of true faith, and also Goddess Lakṣmī, the śakti of Lord
Viṣṇu. You are the slayer of the cruel asura Kaṃsa as well the destroyer of the king of Lanka, the
mighty Rāvaṇa.  
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
lakṣmī-stotram-idaṃ puṇyaṃ yaḥ paṭhed-bhakti-saṃyutaḥ ।
sarva-jvara-bhayaṃ naśyet-sarva-vyādhi-nivāraṇam ॥ 34 ॥
् क्तिसंयुतः ।
लक्ष्मीस्तोत्रमिदं पु ण्यं यः पठे दभ
सर्वज्वरभयं नश्ये त्सर्वव्याधिनिवारणम् ॥ ३४ ॥
Oh Divine Mother, by your grace, one who recites this Lakṣmī stotram/hymn with great devotion
and faith, will accumulate great merit and virtue resulting in bountiful good karma. Such a person
need not fear any life threatening disease and will be free of all diseases and disabilities.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
idaṃ stotraṃ mahā-puṇyam-āpad-uddhāra-kāraṇam ।
tri-sandhyam-eka-sandhyaṃ vā yaḥ paṭhet-satataṃ naraḥ ॥ 35 ॥
इदं स्तोत्रं महापु ण्यमापदु द्धारकारणम् ।
त्रिसन्ध्यमे कसन्ध्यं वा यः पठे त्सततं नरः ॥ ३५ ॥
Oh Divine Mother, by your grace, one who recites this stotram, is freed from all dangers, sins,
misery, mishaps, poverty and all other less fortunate situations. This stotram alone is a great
shield and remover of all types of misery and sins. One must therefore recite this stotram at dawn,
noon and dusk, or at least once in a day, in order to gain the efficacy and power of the stotram. 
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and plead you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
mucyate sarva-pāpebhyo tathā tu sarvasaṃkaṭāt ।
mucyate nātra sandeho bhuvi svarge rasātale ॥ 36 ॥
मु च्यते सर्वपापे भ्यो तथा तु सर्वसंकटात् ।
मु च्यते नात्र सन्दे हो भु वि स्वर्गे रसातले ॥ ३६ ॥
Oh Divine Mother, by your grace, the stotram relieves one of all sins and bad karmas and protects
them against all calamities. One need not have an iota of doubt on this. This is the plain Truth! Not
Earth alone - One is protected in all realms and dimensions, such as the netherworld, heaven etc.
There is no place anywhere in the entire Creation, where the protection offered by this stotram
fails.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
samastaṃ ca tathā caikaṃ yaḥ paṭhed-bhaktit-paraḥ ।
sa sarva-duṣkaraṃ tīrtvā labhate paramāṃ gatim ॥ 37 ॥
् क्तित्परः ।
समस्तं च तथा चै कं यः पठे दभ
स सर्वदु ष्करं तीर्त्वा लभते परमां गतिम् ॥ ३७ ॥
Oh Divine Mother, by your grace, one who recites all the ślokas/verses of this stotram, or even
one verse with unstinted devotion and faith regularly, will be free of all bad karmas and can easily
cross any barriers and march towards success, prosperity and ultimate bliss. He will be one with
You!
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
sukhadaṃ mokṣadaṃ stotraṃ yaḥ paṭhed-bhakti-saṃyuktaḥ ।
sa tu koṭī-tīrtha-phalaṃ prāpnoti nātra saṃśayaḥ ॥ 38 ॥
् क्तिसंयुक्तः ।
सुखदं मोक्षदं स्तोत्रं यः पठे दभ
स तु कोटीतीर्थफलं प्राप्नोति नात्र संशयः ॥ ३८ ॥
Oh Divine Mother, by your grace, to all those who recite this stotram with utmost faith and
devotion, you provide all the wealth, prosperity and unimaginable success, as well as all the
comforts one can ever ask for. You also provides the ultimate spiritual wealth of mokṣa or
liberation from life and death and complete unification with yourself, the Super-Consciousness.
The recitation of the stotram is equivalent of dipping in billions of holy rivers with great reverence
and devotion. Such is its power and your most unmatched and benevolent grace! One need not
have any doubt over it, as it is the sole truth!
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
ekā devī tu kamalā yasmiṃstuṣṭā bhavet-sadā ।
tasyā'sādhyaṃ tu deveśi nāstikiṃcij-jagat traye ॥ 39 ॥
एका दे वी तु कमला यस्मिंस्तु ष्टा भवे त्सदा ।
तस्याऽसाध्यं तु दे वेशि नास्तिकिं चिज्जगत् त्रये ॥ ३९ ॥
Oh Divine Mother, One who has pleased you with his devotion, has no barriers to success and
achieves even the most impossible of tasks, by your grace. He faces no problems in all the realms
and overcomes all triads and becomes one with you!
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.
paṭhanād-api stotrasya kiṃ na siddhayati bhūtale ।
tasmāt-stotra-varaṃ proktaṃ satyaṃ hi pārvati ॥ 40 ॥
पठनादपि स्तोत्रस्य किं न सिद्धयति भूतले ।
तस्मात्स्तोत्रवरं प्रोक्तं सत्यं हि पार्वति ॥ ४० ॥
Oh Divine Mother Pārvati, There is not a single worldly task that cannot be achieved by the regular
recitation of this stotram with unstinted devotion and faith. Such is its power and prowess. I, Lord
Śiva speak the truth and present you this stotram, for the welfare of all beings.
Oh Divine Mother, May our devotion towards you be pure and unflinching at all times. We take
complete refuge in you and beg you to bless us profusely. Please demonstrate your unmatched
mercy and shower your complete blessings upon us always.     
॥ iti śrīkamalā stotraṃ sampūrṇam ॥ ॥ इति श्रीकमला स्तोत्रं सम्पूर्णम् ॥
Thus ends the devotional hymn called Śrī Kamalā Stotraṃ.
॥ śrīkamalāṣṭottaraśatanāmastotram ॥ ( श्रीकमलाष्टोत्तरशतनामस्तोत्रम् )
Prologue:- The Divine Mother Śrī Kamalā Devi is the last of the ten cosmic super powers called
“Daśa Mahāvidyās,” and is none other than Śrī Lakṣmī. She is called the tantric Lakṣmī, and can
also be considered a form of Kāli, the first of the ten cosmic powers. Śrī Kamalā Devi is highly
regarded and venerated, for Her generosity to grant both material and spiritual wealth and
prosperity.
This hymn praises Her 108 attributes, which are also documented as Śrī Kamalā Aṣṭottara
Śatanāmāvali and are derived from this stotram. It is very important to study and contemplate on
the attributes while reciting the stotram, in order to gain the benefits.
śrīśiva uvāca (श्रीशिव उवाच) :-
śatam-aṣṭottaraṃ nāmnāṃ kamalāyā varānane ।
pravakṣyāmy-ati-guhyaṃ hi na kadāpi prakāśayet ॥ 1 ॥
शतमष्टोत्तरं नाम्नां कमलाया वरानने ।
प्रवक्ष्याम्यतिगु ह्यं हि न कदापि प्रकाशये त् ॥ १ ॥
Lord Śiva spoke, Oh Dear Devi, Please listen attentively and I shall reveal the most secretive and
illuminating one hundred and eight (108) names and attributes of Śrī Kamalā Devi that are
effective at all times and can be recited to obtain unlimited wealth and prosperity.
The verses (ślokas) 2 to 17 below are described in the Śrī Kamalā aṣṭottara śatanāmāvali, which
is derived from this stotram (hymn).
Mahā-māyā mahā-lakṣmīr-mahāvāṇī maheśvarī ।
mahādevī mahā-rātrir-mahiṣāsura-mardinī ॥ 2 ॥
महामाया महालक्ष्मीर्महावाणी महे श्वरी ।
महादे वी महारात्रिर्महिषासु रमर्दिनी ॥ २ ॥
Kāla-rātriḥ kuhūḥ pūrṇā nandā''dyā bhadrikā niśā ।
jayā riktā mahā-śaktir-deva-mātā kṛśodarī ॥ 3 ॥
कालरात्रिः कुहःू पूर्णा नन्दाऽऽद्या भद्रिका निशा ।
जया रिक्ता महाशक्तिर्दे वमाता कृशोदरी ॥ ३ ॥
śacīndrāṇī śakranutā śaṅkara-priya-vallabhā ।
mahā-varāha-jananī madanonmathinī mahī ॥ 4 ॥
शचीन्द्राणी शक् रनु ता शङ्करप्रियवल्लभा ।
महावराहजननी मदनोन्मथिनी मही ॥ ४ ॥
vaikuṇṭha-nātha-ramaṇī viṣṇu-vakṣaḥ-sthala-sthitā ।
viśveśvarī viśvamātā varadā'bhayadā śivā ॥ 5 ॥
वै कुण्ठनाथरमणी विष्णु वक्षःस्थलस्थिता ।
विश्वे श्वरी विश्वमाता वरदाऽभयदा शिवा ॥ ५ ॥
śūlinī cakriṇī mā ca pāśinī śaṅkhadhāriṇī ।
gadinī muṇḍamālā ca kamalā karuṇālayā ॥ 6 ॥
शूलिनी चक्रिणी मा च पाशिनी शङ्खधारिणी ।
गदिनी मु ण्डमाला च कमला करुणालया ॥ ६ ॥
padmākṣa-dhāriṇī hyambā mahā-viṣṇu-priyaṅkarī ।
golokanātha-ramaṇī golokeśvara-pūjitā ॥ 7 ॥
पद्माक्षधारिणी ह्यम्बा महाविष्णु प्रियङ्करी ।
गोलोकनाथरमणी गोलोकेश्वरपूजिता ॥ ७ ॥
gayā gaṅgā ca yamunā gomatī garuḍāsanā ।
gaṇḍakī sarayūs-tāpī revā caiva payasvinī ॥ 8 ॥
गया गङ्गा च यमु ना गोमती गरुडासना ।
गण्डकी सरयूस्तापी रे वा चै व पयस्विनी ॥ ८ ॥
narmadā caiva kāverī kedāra-sthala-vāsinī ।
kiśorī keśavanutā mahendra-pari-vanditā ॥ 9 ॥
नर्मदा चै व कावे री केदारस्थलवासिनी ।
किशोरी केशवनु ता महे न्द्रपरिवन्दिता ॥ ९ ॥
Brahmādi-deva-nirmāṇa-kāriṇī veda-pūjitā ।
koṭi-brahmāṇḍa-madhyasthā koṭi-brahmāṇḍa-kāriṇī ॥ 10 ॥
ब्रह्मादिदे वनिर्माणकारिणी वे दपूजिता ।
कोटिब्रह्माण्डमध्यस्था कोटिब्रह्माण्डकारिणी ॥ १० ॥
śruti-rūpā śrutikarī śruti-smṛti-parāyaṇā ।
indirā sindhu-tanayā mātaṅgī loka-mātṛkā ॥ 11 ॥
श्रुतिरूपा श्रुतिकरी श्रुतिस्मृ तिपरायणा ।
इन्दिरा सिन्धु तनया मातङ्गी लोकमातृ का ॥ ११ ॥
triloka-jananī tantrā tantra-mantra-svarūpiṇī ।
taruṇī ca tamohantrī maṅgalā maṅgalāyanā ॥ 12 ॥
त्रिलोकजननी तन्त्रा तन्त्रमन्त्रस्वरूपिणी ।
तरुणी च तमोहन्त्री मङ्गला मङ्गलायना ॥ १२ ॥
madhu-kaiṭabha-mathanī śumbh-āsura-vināśinī ।
niśumbhādi harā mātā hari-śaṅkara-pūjitā ॥ 13 ॥
मधु कैटभमथनी शु म्भासु रविनाशिनी ।
निशु म्भादि हरा माता हरिशङ्करपूजिता ॥ १३ ॥
sarva-deva-mayī sarvā śaraṇāgata-pālinī ।
śaraṇyā śambhu-vanitā sindhu-tīra-nivāsinī ॥ 14 ॥
सर्वदे वमयी सर्वा शरणागतपालिनी ।
शरण्या शम्भु वनिता सिन्धु तीरनिवासिनी ॥ १४ ॥
gandharva-gāna-rasikā gītā govinda-vallabhā ।
trailokya-pālinī tattva-rūpā tāruṇya-pūritā ॥ 15 ॥
गन्धर्वगानरसिका गीता गोविन्दवल्लभा ।
त्रैलोक्यपालिनी तत्त्वरूपा तारुण्यपूरिता ॥ १५ ॥
candrāvalī candra-mukhī candrikā candra-pūjitā ।
candrā śaśāṅka-bhaginī gīta-vādya-parāyaṇā ॥ 16 ॥
चन्द्रावली चन्द्रमु खी चन्द्रिका चन्द्रपूजिता ।
चन्द्रा शशाङ्कभगिनी गीतवाद्यपरायणा ॥ १६ ॥
 
sṛṣṭi-rūpā sṛṣṭi-karī sṛṣṭi-saṃhāra-kāriṇī ।
iti te kathitaṃ devi ramā-nāma-śat-āṣṭakam ॥ 17 ॥
सृ ष्टिरूपा सृ ष्टिकरी सृ ष्टिसंहारकारिणी ।
इति ते कथितं दे वि रमानामशताष्टकम् ॥ १७ ॥
This is the illustration of the 108 names and attributes of the Divine Mother Ramā.
tri-sandhyaṃ prayato bhūtvā paṭhed-etat-samāhitaḥ ।
yaṃ yaṃ kāmayate kāmaṃ taṃ taṃ prāpnoty-asaṃśayam ॥ 18 ॥
त्रिसन्ध्यं प्रयतो भूत्वा पठे देतत्समाहितः ।
यं यं कामयते कामं तं तं प्राप्नोत्यसंशयम् ॥ १८ ॥
This stotram should be recited at dawn, noon and dusk to become effective and manifest its full
benefits. All that one wishes and desires will soon take form and get accomplished. Have no
doubts about it and be assured of its efficacy.
imaṃ stavaṃ yaḥ paṭhatīha martyo vaikuṇṭha-patnyāḥ paras-ādareṇa ।
dhanādhipādyaiḥ pari-vanditaḥ syāt prayāsyati śrī-padam-antakāle ॥ 19 ॥
इमं स्तवं यः पठतीह मर्त्यो वै कुण्ठपत्न्याः परसादरे ण ।
धनाधिपाद्यै ः परिवन्दितः स्यात् प्रयास्यति श्रीपदमन्तकाले ॥ १९ ॥
One who continues to recite the stotram will become enormously rich and famous, attains praise
and adoration from everyone effortlessly, by the grace of uttering the names of Śrī Kamalā. The
devotee ultimately gains salvation after death and continues to receive the care of Śrī Kamalā
(Lakṣmī) for eternity.
iti śrīkamalāṣṭottaraśatanāmastotraṃ sampūrṇam ॥
इति श्रीकमलाष्टोत्तरशतनामस्तोत्रं सम्पूर्णम् ॥
(Thus ends the Śrī Kamalā aṣṭottara śatanāma stotraṃ)
Śrī Trayodaśākṣara Mahālakṣmī Mantra (श्री त्रयोदशाक्षर महालक्ष्मी मन्त्र)
(13 lettered Mahālakṣmī mantra)
 
Purpose:- Gaining unlimited material and spiritual wealth.
Source:- Daśamahāvidya Tantra and Tantrasāra.
1. Viniyogaḥ (विनियोगः) :-
om̐ asya śrī trayodaśākṣara mahālakṣmī mantrasya ।
brahmā ṛṣiḥ ।
gāyatrī chandaḥ ।
śrī jaganmātā (jagatkalyāṇakāraṇa śrī) mahālakśmī devatā ।
śrīm̐ bījaṃ ।
śrī mahālakṣmī prītyarthe sarveṣṭa siddhaye jape viniyogaḥ ॥
ॐ अस्य श्री त्रयोदशाक्षर महालक्ष्मी मन्त्रस्य ।
ब्रह्मा ऋषिः ।
गायत्री छन्दः ।
श्री जगन्माता (जगत्कल्याणकारण श्री) महालक्श्मी दे वता ।
श्रीँ बीजं ।
श्री महालक्ष्मी प्रीत्यर्थे सर्वेष्ट सिद्धये जपे विनियोगः ॥
Meaning:- This prayer/mantra japa is to invoke Śrī Mahālakṣmī Devi and perform Her mantra japa
to obtain Her complete grace in all aspects and especially for removal of all hurdles afflicting our
material and spiritual pursuits. The sage (ṛṣiḥ) is Brahma, the meter (chandas) for the mantra is
Gāyatrī and the deity is Śrī Mahālakṣmī Devi, the seed/bīja mantra is śrīm̐. May She bestow
immense wealth, both spiritual and material, upon us.
2.ṛṣyādi nyāsa ( ऋष्यादि न्यास ) :-
S.no
IAST devanāgari Procedure
.

open the right palm

and touch the top of
the forehead with the
1 om̐ brahma ṛṣaye namaḥ śirasi ॐ ब्रह्म ऋषये नमः शिरसि
ring and thumb
fingers joined at the
top.

Now touch the lips of

2 gāyatrī chandase namaḥ mukhe गायत्री छन्दसे नमः मु खे the mouth with the
above mudrā.

śrī jaganmātā
श्री जगन्माता Touch the heart with
3 mahālakṣmī devatāyai namaḥ
महालक्ष्मी दे वतायै नमः हृदि the right palm.
hṛdi

Touch the genetalia

with the right ring
4 śrīm̐ bījāya namaḥ guhye श्रीँ बीजाय नमः गु ह्ये
finger and thumb
joined together.

Run both the palms

5 om̐ viniyogāya namaḥ sarvāṅge ॐ विनियोगाय नमः सर्वाङ्गे
all over the body.

6 iti ṛṣyādi nyāsaḥ इति ऋष्यादि न्यासः  

 
3. krameśaḥ karanyāsaḥ (क् रमेशः करन्यासः) :-
S.no
IAST devanāgari Procedure
.

om̐ aim̐ aṅguṣṭhābhyāṃ Use both the index fingers and run
1 ॐ ऐ ँ अङ्गु ष्ठाभ्यां  नमः
namaḥ them on both the thumbs.
 om̐ hrīm̐ tarjanībhyāṃ Use both the thumbs and run them on
2 ॐ ह्रीँ तर्जनीभ्यां  नमः
namaḥ both the index fingers.

om̐ śrīm̐ madhyamābhyāṃ Use both the thumbs on the middle

3 ॐ श्रीँ मध्यमाभ्यां  नमः
namaḥ fingers.

om̐ klīm̐ anāmikābhyāṃ Use both the thumbs on the ring

4 ॐ क्लीँ अनामिकाभ्यां  नमः
namaḥ fingers.

om̐ hsauḥ kaniṣṭhikābhyāṃ Use both the thumbs on the little

5 ॐ ह्सौः कनिष्ठिकाभ्यां नमः
namaḥ fingers.

Run the fingers of the right hand on

the opened left palm on the front and
om̐ jagatprasūtyai
ॐ जगत्प्रसूत्यै नमः back of the left hand and can be
6 namaḥ karatalakara
करतलकर पृ ष्ठाभ्यां नमः extented to the entire lower arm.
pṛṣṭhābhyāṃ namaḥ
Repeat the same for the right hand
with the left hand fingers.

7 Iti krameśaḥ kara nyāsaḥ इति क् रमे शः कर न्यासः  

 
4. ṣaḍaṅga nyāsaḥ (षडङ्ग न्यासः)
S.no. IAST Devanāgari Procedure

Open index, middle and ring fingers of the

om̐ aim̐ hṛdayāya
1 ॐ ऐ ँ हृदयाय नमः right hand and place them on the heart
namaḥ
chakra.

Open middle and ring fingers of the right

2 om̐ hrīm̐ śirase svāhā ॐ ह्रीँ शिरसे स्वाहा
hand and touch the top of the forehead.

Open the right thumb and touch the back of

3 om̐ śrīm̐ śikhāyai vaṣaṭ ॐ श्रीँ शिखायै  वषट् the head. This is the point where the tuft of
hair, is kept.

Cross both the hands and run the fully

4 om̐ klīm̐ kavacāya hum̐ ॐ क्लीँ कवचाय हुँ
opened palms from shoulders to finger tips.

Touch the eyes with the right index and ring

om̐ hsauḥ netratrayāya
5 ॐ ह्सौः ने तर् त्रयाय वौषट् fingers, with the middle finger touching the
vauṣaṭ
ājña cakra.

Open up the left palm and strike it three

om̐ jagatprasūtyai ॐ जगत्प्रसूत्यै
6 times with index and middle fingers of the
namaḥ astrāya phaṭ नमः अस्त्राय फट्
right hand.

7 iti ṣaḍaṅga nyāsaḥ इति षडङ्ग न्यासः  

 
5. mantra varṇa nyāsaḥ (मन्त्रवर्ण न्यासः) :-
S.no. IAST devanāgari Procedure

om̐ aim̐ namaḥ Join the thumb, middle and ring fingers of the
1 ॐ ऐ ँ नमः मूर्ध्नि
mūrdhni right hand and touch the top of the head.
 om̐ hrīm̐ namaḥ Join the thumb, middle and ring fingers of the
2 ॐ ह्रीँ नमः मु खे
mukhe right hand and touch the face on the lips.

om̐ śrīm̐ namaḥ Join the thumb, middle and ring fingers of the
3 ॐ श्रीँ नमः हृदये
hṛdaye right hand and touch the heart region.

Join the thumb, middle and ring fingers of the

4 om̐ klīm̐ namaḥ guhye ॐ क्लीँ नमः गु ह्ये
right hand and touch the private parts.

om̐ hsauḥ namaḥ Join the thumb, middle and ring fingers of the
5 ॐ ह्सौः नमः पादयोः
pādayoḥ right hand and touch the feet.

Iti mantra
6 इति मन्त्रवर्ण न्यासः  
varṇa nyāsaḥ
 
6. sapta varṇa nyāsaḥ (सप्तवर्ण न्यासः) :-
S.no
IAST devanāgari Procedure
.

Place the right hand palm on the heart area and

1 om̐ jam̐ namaḥ tvaci ॐ जँ नमः त्वचि
feel the mantra on the skin of the body.

Place the right hand palm on the heart area and

2 om̐ gat namaḥ rakte ॐ गत् नमः रक्ते
feel the mantra inside the blood of the body.

om̐ pram̐ namaḥ Place the right hand palm on the heart area and
3 ॐ प्रँ नमः माम्से
māmse feel the mantra inside the flesh of the body.

om̐ sūm̐ namaḥ Place the right hand palm on the heart area and
4 ॐ सूँ नमः मे दसि
medasi feel the mantra inside the brain of the body.

om̐ tyaim̐ namaḥ Place the right hand palm on the heart area and
5 ॐ त्यैँ नमः अस्थि
asthi feel the mantra inside the bones of the body.

Place the right hand palm on the heart area and

om̐ nam̐ namaḥ
6 ॐ नँ नमः मज्जायाम् feel the mantra inside the bone marrow of the
majjāyām
body.

Place the right hand palm on the heart area and

om̐ mam̐ namaḥ
7 ॐ मँ नमः शु क्रे feel the mantra inside the sexual discharges of
śukre
the body.

Iti sapta varṇa

8 इति सप्तवर्ण न्यासः  
nyāsaḥ
 
7.karanyāsaḥ (करन्यासः) :-
S.no. IAST devanāgari Procedure

om̐ aim̐ jñānāya aṅguṣṭhābhyāṃ ॐ ऐ ँ ज्ञानाय Use both the index fingers and
1
namaḥ अङ्गु ष्ठाभ्यां  नमः run them on both the thumbs.

om̐ hrīm̐ aiśvaryāya tarjanībhyāṃ ॐ ह्रीँ ऐश्वर्याय Use both the thumbs and run
2
namaḥ तर्जनीभ्यां  नमः them on both the index fingers.

3 om̐ śrīm̐ śaktaye ॐ श्रीँ शक्तये Use both the thumbs on the
 madhyamābhyāṃ namaḥ मध्यमाभ्यां  नमः middle fingers.

om̐ klīm̐ balāya anāmikābhyāṃ ॐ क्लीँ बलाय Use both the thumbs on the ring
4
namaḥ अनामिकाभ्यां  नमः fingers.

om̐ hsauḥ vīryāya ॐ ह्सौः वीर्याय Use both the thumbs on the little
5
kaniṣṭhikābhyāṃ namaḥ कनिष्ठिकाभ्यां नमः fingers.

Run the fingers of the right hand

on the opened left palm on the
om̐ jagatprasūtyai front and back of the left hand
ॐ जगत्प्रसूत्यै नमस्ते जसे
6 namastejase karatalakara and can be extented to the entire
करतलकर पृ ष्ठाभ्यां नमः
pṛṣṭhābhyāṃ namaḥ lower arm. Repeat the same for
the right hand with the left hand
fingers.

7 Iti kara nyāsaḥ इति कर न्यासः  

 
8. ṣaḍaṅga nyāsaḥ (षडङ्ग न्यासः)
S.no. IAST Devanāgari Procedure

Open index, middle and ring fingers

om̐ aim̐ jñānāya hṛdayāya
1 ॐ ऐ ँ ज्ञानाय हृदयाय नमः of the right hand and place them on
namaḥ
the heart chakra.

Open middle and ring fingers of the

om̐ hrīm̐ aiśvaryāya śirase ॐ ह्रीँ ऐश्वर्याय शिरसे
2 right hand and touch the top of the
svāhā स्वाहा
forehead.

Open the right thumb and touch the

om̐ śrīm̐ śaktaye śikhāyai
3 ॐ श्रीँ शक्तये शिखायै  वषट् back of the head. This is the point
vaṣaṭ
where the tuft of hair, is kept.

Cross both the hands and run the

4 om̐ klīm̐ balāya kavacāya hum̐ ॐ क्लीँ बलाय कवचाय हुँ fully opened palms from shoulders
to finger tips.

Touch the eyes with the right index

om̐ hsauḥ vīryāya netratrayāya ॐ ह्सौः वीर्याय ने तर् त्रयाय
5 and ring fingers, with the middle
vauṣaṭ वौषट्
finger touching the ājña cakra.

Open up the left palm and strike it

om̐ jagatprasūtyai ॐ जगत्प्रसूत्यै
6 three times with index and middle
namastejase astrāya phaṭ नमस्ते जसे  अस्त्राय फट्
fingers of the right hand.

7 iti ṣaḍaṅga nyāsaḥ इति षडङ्ग न्यासः  

bhūr-bhuva-ssuvarom-iti digbandhaḥ ॥
भूर्भुवस्सु वरोमिति दिग्बन्धः॥
9. dhyānaṃ (ध्यानं) :-
balā'rka-dyutim-indu-khaṇḍa vilasat koṭira-hārojjvalām ।
ratnākalpa vibhūṣitāṃ kucanatāṃ śāleḥ karairmañjarīm ॥
padmaṃ kaustubha ratnamapyavirataṃ saṃvibhratīṃ sasmitām ।
phullāmbhoja vilocana trayayutāṃ dhyāyet parāmambikām ॥
बलाऽर्क द्यु तिमिन्दुखण्ड विलसत् कोटिरहारोज्ज्वलाम् ।
रत्नाकल्प विभूषितां कुचनतां शाले ः करै र्म ञ्जरीम् ॥
पद्मं कौस्तु भ रत्नमप्यविरतं संविभ्रतीं सस्मिताम् ।
फुल्लाम्भोज विलोचन त्रययु तां ध्याये त् परामम्बिकाम् ॥
 
Meaning:-   We meditate upon the Divine Mother Śrī Mahālakṣmī Devī, Who shines forth like a
bright flash of lightning resembling the brilliant lustre of a diamond adorned on a forehead. She is
decorated all over body with innumerable ornaments of precious stones. Her chest region
resembles a garden full of clusters of blossoms. She has emerged with various celebrated jewels
like the kaustubha and other precious stones from the ocean of consciousness, sitting on a lotus
emaning a very high degree of intense energy. She is the Divine Mother and the manifested
Superconsciousness Parabrahman, Who is beyond all triads and celestial devatas.
1o. Pañcapūjā (पञ्चपूजा) :-
S.no. IAST Devanāgari Procedure

lam̐ - pṛthivyātmikāyai
gandhaṁ samarpayāmi
1
 
लँ - पृ थिव्यात्मिकायै गन्धं Hold the lower tip of the bottom
समर्पयामि phalange of the little fingers of both
hands with the upper tip of the thumbs,
  with the back of the hand facing us.

Hold the lower tip of the bottom

ham̐ - ākāśātmikāyai puṣpaiḥ हँ - आकाशात्मिकायै पु ष्पै ः phalange of the thumbs of both hands
2 pūjayāmi पूजयामि with the upper tip/nails of the index
    fingers, with the back of the hand facing
us.

yam̐ - vāyvātmikāyai यँ - वाय्वात्मिकायै Hold the lower tip of the bottom

dhūpamāghrāpayāmi धूपमाघ्रापयामि phalange of the index fingers of both
3
hands with the upper tip of the thumbs,
    with the back of the hand facing us.

ram̐ - agnyātmikāyai dīpaṁ रँ - अग्न्यात्मिकायै दीपं Hold the lower tip of the bottom
darśayāmi दर्शयामि phalange of the middle fingers of both
4
hands with the upper tip of the thumbs,
    with the back of the hand facing us.

vam̐ - amṛtātmikāyai amṛtaṁ वँ - अमृ तात्मिकायै अमृ तं
mahānaivedyaṁ nivedayāmi महानै वेद्यं निवे दयामि
5
   
Hold the lower tip of the bottom
phalange of the ring fingers of both
hands with the upper tip of the thumbs,
with the back of the hand facing us.

sam̐ - sarvātmikāyai Hold the fingers of each palm in a

सँ - सर्वात्मिकायै सर्वोपचार folded manner with the tips of each
sarvopacāra pūjām
6 पूजाम् समर्पयामि fingers of both hands touching each
samarpayāmi
  other and the thumbs facing the heart,
  in a Namaste position.
 
11. japamālā mantraṃ (जपमाला मन्त्रं) :-   Recite the below mantra once, to pray to the japa māla
and invoke the blessings for a fruitful japa.
oṃ māṃ māle mahāmāye sarvamantra svarūpiṇi।
caturvarga stvayinyasta stasmānye siddhidā bhava॥
ॐ मां माले महामाये सर्वमन्त्र स्वरूपिणि।
चतु र्व र्ग स्त्वयिन्यस्त स्तस्मान्ये सिद्धिदा भव॥
12. Guru Mantra (गु रु मन्त्र):-   Recite the following guru mantra once, to seek the blessings of all
gurus and the Guru.
oṃ hrīṃ siddhaguro prasīda hrīṃ oṃ
ॐ हर् ीं सिद्धगुरो प्रसीद हर् ीं ॐ
13. Atha Śrī Trayodaśākṣara Mahālakṣmī Mantraḥ (अथ श्री त्रयोदशाक्षर महालक्ष्मी मन्त्रः)  Recite
the following mantra atleast 108 times, preferably on a lotus bead or rudrakṣa or turmeric māla.
om̐ aim̐ hrīm̐ śrīm̐ klīm̐ hsauḥ jagatprasūtyai namaḥ ।
ॐ ऐ ँ हर् ीँ श्रीँ क्लीँ हस
् ौः जगत्प्रसूत्यै नमः ।
Meaning:-  The Śabda Brahman and Tārā bīja/seed mantra om̐ represents auspiciousness.
The Vāgbhāva bīja/seed mantra aim̐ represents all knowledge, material and spiritual, as well as
wisdom leading towards self-realization and liberation.
The Mahāmāyā bīja/seed mantra hrīm̐ represents all the triads, such as Creation, Preservation
and Destruction. It also signifies concentration, power, ambition and the drive to accomplish the
desired results.
The Lakṣmī bīja/seed mantra śrīm̐ represents fertility, abundance and wealth, both material and
spiritual.
The Kāma bīja/seed mantra klīm̐ represents desires and their fulfillment.
The Prasādapara bīja/seed mantra hsauḥ represents self-realization and liberation. It is the
combination of ‘ha’ indicating śiva – the static superconsciousness and the parā bīja/seed mantra
‘sauḥ’ representing self-realization and liberation.
This thirteen lettered mantra is a prayer to the Lotus dwelling Goddess Śrī Mahālakṣmī, the Divine
Mother, Who’s the Creator of the entire multi-dimensional multi-verse, to shower Her mercy and
become pleased with our devotion and bless us with auspiciousness, abundant material and
spiritual wealth and also fulfill all our desires and finally liberate us from the cycle of life and death.
14. ṣaḍaṅga nyāsaḥ (षडङ्ग न्यासः)
S.no. IAST Devanāgari Procedure

Open index, middle and ring fingers of

om̐ aim̐ jñānāya hṛdayāya
1 ॐ ऐ ँ ज्ञानाय हृदयाय नमः the right hand and place them on the
namaḥ
heart chakra.

om̐ hrīm̐ aiśvaryāya śirase ॐ ह्रीँ ऐश्वर्याय शिरसे Open middle and ring fingers of the right
2
svāhā स्वाहा hand and touch the top of the forehead.

Open the right thumb and touch the back

om̐ śrīm̐ śaktaye śikhāyai ॐ श्रीँ शक्तये
3 of the head. This is the point where the
vaṣaṭ शिखायै  वषट्
tuft of hair, is kept.

Cross both the hands and run the fully

om̐ klīm̐ balāya kavacāya
4 ॐ क्लीँ बलाय कवचाय हुँ opened palms from shoulders to finger
hum̐
tips.

5 om̐ hsauḥ ॐ ह्सौः Touch the eyes with the right index and
 vīryāya netratrayāya ring fingers, with the middle finger
वीर्याय ने तर् त्रयाय वौषट्
vauṣaṭ touching the ājña cakra.

Open up the left palm and strike it three

om̐ jagatprasūtyai ॐ जगत्प्रसूत्यै
6 times with index and middle fingers of the
namastejase astrāya phaṭ नमस्ते जसे  अस्त्राय फट्
right hand.

7 iti ṣaḍaṅga nyāsaḥ इति षडङ्ग न्यासः  

bhūr-bhuva-ssuvarom-iti digvimokaḥ ॥
भूर्भुवस्सु वरोमिति दिग्विमोकः॥
 
15. dhyānaṃ (ध्यानं) :-
balā'rka-dyutim-indu-khaṇḍa vilasat koṭira-hārojjvalām ।
ratnākalpa vibhūṣitāṃ kucanatāṃ śāleḥ karairmañjarīm ॥
padmaṃ kaustubha ratnamapyavirataṃ saṃvibhratīṃ sasmitām ।
phullāmbhoja vilocana trayayutāṃ dhyāyet parāmambikām ॥
बलाऽर्क द्यु तिमिन्दुखण्ड विलसत् कोटिरहारोज्ज्वलाम् ।
रत्नाकल्प विभूषितां कुचनतां शाले ः करै र्म ञ्जरीम् ॥
पद्मं कौस्तु भ रत्नमप्यविरतं संविभ्रतीं सस्मिताम् ।
फुल्लाम्भोज विलोचन त्रययु तां ध्याये त् परामम्बिकाम् ॥
16. Pañcapūjā (पञ्चपूजा) :-
S.no. IAST Devanāgari Procedure

lam̐ - pṛthivyātmikāyai
gandhaṁ samarpayāmi
1
 
लँ - पृ थिव्यात्मिकायै गन्धं Hold the lower tip of the bottom
समर्पयामि phalange of the little fingers of both
hands with the upper tip of the thumbs,
  with the back of the hand facing us.

Hold the lower tip of the bottom

ham̐ - ākāśātmikāyai हँ - आकाशात्मिकायै पु ष्पै ः phalange of the thumbs of both hands
2 puṣpaiḥ pūjayāmi पूजयामि with the upper tip/nails of the index
    fingers, with the back of the hand facing
us.

yam̐ - vāyvātmikāyai यँ - वाय्वात्मिकायै Hold the lower tip of the bottom

dhūpamāghrāpayāmi धूपमाघ्रापयामि phalange of the index fingers of both
3
hands with the upper tip of the thumbs,
    with the back of the hand facing us.

ram̐ - agnyātmikāyai dīpaṁ रँ - अग्न्यात्मिकायै दीपं Hold the lower tip of the bottom
darśayāmi दर्शयामि phalange of the middle fingers of both
4
hands with the upper tip of the thumbs,
    with the back of the hand facing us.

vam̐ - amṛtātmikāyai Hold the lower tip of the bottom

वँ - अमृ तात्मिकायै अमृ तं
amṛtaṁ mahānaivedyaṁ phalange of the ring fingers of both
5 महानै वेद्यं निवे दयामि।
nivedayāmi | hands with the upper tip of the thumbs,
  with the back of the hand facing us.
 
 sam̐ - sarvātmikāyai Hold the fingers of each palm in a
सँ - सर्वात्मिकायै सर्वोपचार folded manner with the tips of each
sarvopacāra pūjām
6 पूजाम् समर्पयामि fingers of both hands touching each
samarpayāmi
  other and the thumbs facing the heart,
  in a Namaste position.
 
17. Samarpaṇam (समर्पणम्):-  Take water in uttaraṇi and by reciting the following śloka, offer the
water to the earth.
guhyātiguhyagoptrī tvaṁ gṛhāṇāsmat-kṛtaṁ japam।
siddhirbhavatu me devi tvatprasādānmayi sthirā ॥
गु ह्यातिगु ह्यगोप्त्री त्वं गृ हाणास्मात्कृतं जपम्।
सिद्धिर्भवतु मे दे वि त्वत्प्रसादान्मयि स्तिरा॥
18. japānantaraṃ mālāmantraṃ (जपान्ततरं मालामन्त्रं) :-
Recite the below śloka and mantra, followed by placing the māla upon the top of the head and
then place it back in the māla bag and conceal it. It should NOT be worn.
śloka॥ oṃ tvaṃ māle sarvadevānāṃ prītidā śubhadā bhava।
śubhaṃ kuruṣya me bhadre yaśo vīryaṃ ca dehime॥
श्लोक॥ ॐ त्वं माले सर्वदे वानां प्रीतिदा शु भदा भव।
शु भं कुरुष्य मे भद्रे यशो वीर्यं च दे हिमे ॥
mantra॥ oṃ hrīṃ siddhyai namaḥ॥
मन्त्र॥ ॐ ह्रीं सिद्ध्यै नमः॥
19. Puraścaraṇa (पुरश्चरण) :-
1,200,00
Japa
0

Homa 120,000

Tarpaṇa 12,000

Mārjana 1,200

Bhojana 120