॥ atha śrīdhanadāratipriyā yakṣiṇī kavacam ॥ (॥ अथ श्रीधनदारतिप्रिया यक्षिणी कवचम् ॥)

Prologue:- Śrī Dhanadā Devi is quite literally the Goddess of material wealth, money, riches, treasures and all forms of prosperity. She falls in the other dimensional Yakṣiṇī category and is said to be more easily accessible than the higher deities. Although it is safe to worship Her, nevertheless, many recommend high caution in worshipping the Yakṣiṇīs and other such deities, for fear of ill effects, possessions, etc. Guidance of a guru is considered essential and highly recommended for these types of sādhanas or worship.

Her mantra japa and stotram are also very useful in obtaining Her full grace. This Kavacam (shield) will also protect the devotee from all harm and help in quickly bestowing benefits and early fructification of Her mantra.

॥ devyuvāca ॥ (॥ देव्युवाच ॥)

kathayasva mahādeva dhanadā-kavacaṃ śubham ।

yacchrutvā kavacaṃ durgaḥ kubera iva bhairava ॥ 1 ॥

कथयस्व महादेव धनदाकवचं शुभम् ।

यच्छ्रुत्वा कवचं दुर्गः कुबेर इव भैरव ॥ १ ॥

The Divine Mother Śakti spoke to Lord Śiva thus - Please narrate, Oh Supreme Lord, the auspicious Śrī Dhanadā Kavacaṃ, the Kavacam that’s incessantly praised by the Divine Mother Goddess Durga, the celestial treasurer and king of Yakṣas Lord Kubera and the Destroyer Bhairava.

॥ bhairava uvāca ॥ (॥ भैरव उवाच ॥)

śṛṇu devi pravakṣyāmi kavacaṃ dhanadā-priyam ।

dāridrya-khaṇḍanaṃ nāma sarva-saubhāgya-dāyakam ॥ 2 ॥

शृणु देवि प्रवक्ष्यामि कवचं धनदाप्रियम् ।

दारिद्र्यखण्डनं नाम सर्वसौभाग्यदायकम् ॥ २ ॥

Lord Bhairava/Śiva spoke – Oh Dear Devi, please listen very attentively and I shall disclose the material wealth bestowing kavacaṃ (armor) of Śrī Dhanada Devi, which is close to Her heart. This hymn breaks all types of poverty and financial miseries and bestows all types of prosperity, abundant material wealth and happiness.

1. viniyogaḥ (विनियोगः) :-

om̐ asya śrī-dhanadā-yakṣiṇī kavaca-mantrasya ।

kubera ṛṣiḥ ।

paṅkti chandase namaḥ mukhe ।

om̐ hrūm̐ dhanadā devatāyai namaḥ hṛdi ।

hraim̐ ram̐ bījāya namaḥ guhye ।

om̐ hraum̐ śrīm̐ śaktaye namaḥ pādayoḥ ।

hraḥ hrīm̐ kīlakāya namaḥ nābhau ।

hrām̐ hrīm̐ hrūm̐ hraim̐ hraum̐ hraḥ viniyogāya namaḥ sarvāṅge ।

ॐ अस्य श्रीधनदायक्षिणी कवचमन्त्रस्य ।

कुबेर ऋषिः ।

पङ्क्ति छन्दसे नमः मुखे ।

ॐ ह्रूँ धनदा देवतायै नमः हृदि ।

ह्रैँ रँ बीजाय नमः गुह्ये ।

ॐ ह्रौँ श्रीँ शक्तये नमः पादयोः ।

ह्रः ह्रीँ कीलकाय नमः नाभौ ।

ह्राँ ह्रीँ ह्रूँ ह्रैँ ह्रौँ ह्रः विनियोगाय नमः सर्वाङ्गे ।

Meaning:- I pray to the Divine Mother Goddess Śrī Dhanadā Yakṣiṇī Devī through this hymn, encased as a great Kavaca (armor) mantra. The sage (rishi) who has revealed this mantra is the celestial treasurer Lord Kubera Himself. The metre (chandas) for the mantra is Paṅkti. The deity is Śrī Dhanadā. The seed (bīja) is dham̐. The seed (bījā) syllables for this mantra is hraim̐ ram̐. The power (śakti) is om̐ hraum̐ śrīm̐. The key to the mantra is hraḥ hrīm̐. May the mantra called the Śrī Dhanadā stotram, fulfill all our heartfelt desires and remove all financial worries, poverty and usher in immense prosperity.

2. ṛṣyādi nyāsa ( ऋष्यादि न्यास ) :-

3. karanyāsaḥ (करन्यासः) :-

4. ṣaḍaṅga nyāsaḥ (षडङ्ग न्यासः)

bhūr-bhuva-ssuvarom-iti digbandhaḥ ॥

भूर्भुवस्सुवरोमिति दिग्बन्धः॥

5. dhyānam (ध्यानम्) :-

oṃ kuṅkumamodara-garbhābhāṃ kiñcid-yauvana-śālinīm ।

mṛṇāla-komala-bhujāṃ keyūr-āṅgada bhūṣitām ॥ 1 ॥

nīlotpala-dṛśaṃ kiñcid-udyat-kuca-virājitām ।

bhaje'haṃ bhrāmya-kamala-varābhaya-samanvitām ॥ 2 ॥

rakta-vastra-parīdhānāṃ tāmbūlādhara-pallavām ।

hema-prakāra-madhyasthāṃ ratna-siṃhāsanopari ॥ 3 ॥

ॐ कुङ्कुममोदरगर्भाभां किञ्चिद्यौवनशालिनीम् ।

मृणालकोमलभुजां केयूराङ्गद भूषिताम् ॥ १ ॥

नीलोत्पलदृशं किञ्चिदुद्यत्कुचविराजिताम् ।

भजेऽहं भ्राम्यकमलवराभयसमन्विताम् ॥ २ ॥

रक्तवस्त्रपरीधानां ताम्बूलाधरपल्लवाम् ।

हेमप्रकारमध्यस्थां रत्नसिंहासनोपरि ॥ ३ ॥

Meaning :- Oh Divine Mother, Salutations to you, the One who has blossomed from red saffron and very youthful and stunning to look at. You have very slender and lotus like arms and resplendent with glowing bracelets on your upper arms. Your appearance resembles a beautiful blooming blue lotus and you are well-endowed with a slender and beautiful chest. Salutations to you, the One who holds lotuses on two hands, making the boon-bestowing varada mudra on one hand, and the fear-dispelling abhaya mudra on another hand. You are dressed in shining red clothes and your ruby lips glisten like the mouth of one who chews betel leaves. You are situated in the middle of a golden lotus ensemble, and you are seated majestically on a diamond and precious gems studded lion throne.

6. pañcapūjā (पञ्चपूजा) :-

kavacamārambham (कवचमारम्भम्) :-

(The Śrī Dhanadā Kavacam/armor hymn begins).

oṃ tatturyaṃ rakṣayet-sarva-śarīraṃ devi sarvatḥ ।

māyā cakṣur-bhujai pātu pādau rakṣed-ratipriyā ॥ 1 ॥

ॐ तत्तुर्यं रक्षयेत्सर्वशरीरं देवि सर्वत्ः ।

माया चक्षुर्भुजै पातु पादौ रक्षेद्रतिप्रिया ॥ १ ॥

The higher states of consciousness and the entire physical, astral and causal bodies are protected by the Divine Mother Devi (Śakti), Who is the very cause of all Creation. The Divine Mother Māyā, the cause of the cosmic illusion, protects the lower and upper arms on both sides. The feet are firmly protected by the Divine Mother Ratipriyā, who helps us establish ourselves firmly in the material world and live comfortably without any worries. Śrī Dhanadā Ratipriyā protects and enhances our wealth immensely.

vahnijāyā pātu liṅgaṃ mantraḥ sarvatra rakṣatu ।

dhanadā sarvadā rakṣet-pathi durge yamālaye ॥ 2 ॥

वह्निजाया पातु लिङ्गं मन्त्रः सर्वत्र रक्षतु ।

धनदा सर्वदा रक्षेत्पथि दुर्गे यमालये ॥ २ ॥

Vahnijāyā, the consort of the fire god Agni, also called Svāhā, protects the private parts and the mantra of Śrī Dhanadā devi, protects at all times and in all situations. Śrī Dhanadā devi will always find many ways to protect and come to our help in any type of material wealth related issues. The Divine Mother goddess Durgā protects us from hell and all kinds of evil influences and removes all types of miseries.

mañjughoṣā sadā pātu pṛṣṭha-jānu-yuge balam ।

sundarī danta-jālaṃ ca kaṇṭha-jālaṃ ca cāmarī ॥ 3 ॥

मञ्जुघोषा सदा पातु पृष्ठजानुयुगे बलम् ।

सुन्दरी दन्तजालं च कण्ठजालं च चामरी ॥ ३ ॥

The sweet sounding celestial angel (apsara) Mañjughoṣā protects and is the source of strength for the knees and the back. The most beautiful in all the realms Tripura Sundarī, blesses us with good teeth and takes care of dental health. The throat area is enhanced and protected by the horse faced and agile Cāmarī.

bhrāmarī bhramaṇaṃ rakṣed-daśa-dikṣu supāṭhikā ।

karāla-bhairavī pātu vadanaṃ śruti-netrayoḥ ॥ 4 ॥

भ्रामरी भ्रमणं रक्षेद्दशदिक्षु सुपाठिका ।

करालभैरवी पातु वदनं श्रुतिनेत्रयोः ॥ ४ ॥

The tremor causing Bhrāmarī Devi protects us from dizziness, epilepsy and vertigo. The well-read and learned Supāṭhikā protects all the ten directions including the upper and downward directions. The wide gaping mouthed Karāla Bhairavī, protects and enhances the characteristics of the face, ears and eyes at all times.

trinetrā tvaritā pātu madaṅgaṃ sarva-saṅkaṭe ।

oṣṭhādharau mahāmāyā rasanāṃ cauru-daṇḍayoḥ ॥ 5 ॥

त्रिनेत्रा त्वरिता पातु मदङ्गं सर्वसङ्कटे ।

ओष्ठाधरौ महामाया रसनां चौरुदण्डयोः ॥ ५ ॥

 The three eyed and quick acting Tvaritā, rejuvenates all body parts and protects us from all crises at all times. The upper and lower lips are protected by the great cosmic illusion causing Mahāmāyā. The tongue is protected by the thief punisher Caurudaṇḍa.

aṅgalīṣu tathā śaktir-jaghanaṃ caiva caṇḍikā ।

indrāṇī pātu me pūrve maheśvarī tu dakṣiṇe ॥ 6 ॥

अङ्गलीषु तथा शक्तिर्जघनं चैव चण्डिका ।

इन्द्राणी पातु मे पूर्वे महेश्वरी तु दक्षिणे ॥ ६ ॥

The fingers are protected by the Divine Mother Goddess Śakti and the buttocks are protected by the fierce Divine Mother Caṇḍikā. The Eastern direction is under the control of the stately and royal, Divine Mother Mātṛkā Indrāṇī and the Southern direction is under the protection of the Supreme Divine Mother Mātṛkā Maheśvarī.

kaumārī paścime pātu vaiṣṇavī cauttare'vatu ।

aiśānye pātu vārāhī cāmuṇḍā vahni-koṇake ॥ 7 ॥

कौमारी पश्चिमे पातु वैष्णवी चौत्तरेऽवतु ।

ऐशान्ये पातु वाराही चामुण्डा वह्निकोणके ॥ ७ ॥

The ever-youthful and agile Divine Mother Mātṛkā Kaumārī, has complete say and control over the Western direction and the Northern direction is under the sway of the omniscient Divine Mother Mātṛkā Vaiṣṇavī. The North Eastern direction is protected by the karma-removing Divine Mother Mātṛkā Vārāhī and the fiercest Divine Mother Mātṛkā Cāmuṇḍā, protects the South Eastern direction.

kauberī nairṛte pātu vāyavyāṃ duḥkha-hāriṇī ।

ūrdhvaṃ brāhmī sadā pātu adho durgā sadā'vatu ॥ 8 ॥

कौबेरी नैरृते पातु वायव्यां दुःखहारिणी ।

ऊर्ध्वं ब्राह्मी सदा पातु अधो दुर्गा सदाऽवतु ॥ ८ ॥

The Divine Mother Mātṛkā Kauberī, the consort and power of the celestial treasurer Lord Kubera, protects the South Western direction. The misery destroyer Divine Mother Mātṛkā Duḥkha-hāriṇī protects the North Western direction. The upper direction and the heavens are under the protection of the cause of Creation, Divine Mother Mātṛkā Brāhmī and the downward direction and the netherworlds are under the protection of the misery destroyer Divine Mother Mātṛkā Durgā.

jñātvā tu kavacaṃ divyaṃ sukhena sarva-siddhi-kṛta ।

dhyāyet-kalpataror-mūle devī tvāṃ dhanadāyikam ॥ 9 ॥

ज्ञात्वा तु कवचं दिव्यं सुखेन सर्वसिद्धिकृत ।

ध्यायेत्कल्पतरोर्मूले देवी त्वां धनदायिकम् ॥ ९ ॥

The learned and wise realize that this Kavacaṃ is Divine and is also the giver of all comforts and accomplisher of all tasks. Those who sincerely and devotedly pray to the Divine Mother Dhanadā Devi, will surely achieve all material riches and comforts and will come across bountiful sources of wealth creation and fulfill all their material desires and comforts.

ratna-pātra-dvayaṃ cāgre dāyinīṃ nidhi-varṣiṇīm ।

annapūrṇā-varāhābhyāṃ śrī-bhūmiṃ sahitaṃ japet ॥ 10 ॥

रत्नपात्रद्वयं चाग्रे दायिनीं निधिवर्षिणीम् ।

अन्नपूर्णावराहाभ्यां श्रीभूमिं सहितं जपेत् ॥ १० ॥

She holds two bowls consisting of all types of precious stones. Other deities such as Lord Kubera and Lord Gaṇeśa hold a single bowl of precious stones. This is to imply that She bestows double benefits compared to the rest of the deities and/or is equivalent to the material benefits bestowed by both Lord Kubera and Lord Gaṇeśa. She is very quick to yield and bestow unlimited riches and treasures to Her sincere devotees. Even the most popular deities such as the Divine Mothers Śrī Annapūrṇā, and Śrī Vārāhī, and the Mother Earth Śrī Bhūmi worship Her very devotedly at all times.

anya-hasta-gataṃ chatraṃ kuberaścā-samara-dvayam ।

bhaviṣyati mahādevyā mantraiḥ sarvaiḥ samṛddhimān ॥ 11 ॥

अन्यहस्तगतं छत्रं कुबेरश्चासमरद्वयम् ।

भविष्यति महादेव्या मन्त्रैः सर्वैः समृद्धिमान् ॥ ११ ॥

 In addition, all that which one is able to procure, is fully secured by the grace of the Divine Mother Śrī Dhanadā. All the sincere devotees come under Her protection and umbrage. One becomes no less than the celestial treasurer Lord Kubera, if Her favor and grace are fully bestowed by Her. One’s future is fully secure and prosperous, by the repetition of Her various mantras.

kadācidyaḥ paṭhed-dhīmānna vai rogo bhaved dhruvam ।

aputro labhate putraṃ sarva-vidyā-suśobhanam ॥ 12 ॥

कदाचिद्यः पठेद्धीमान्न वै रोगो भवेद् ध्रुवम् ।

अपुत्रो लभते पुत्रं सर्वविद्यासुशोभनम् ॥ १२ ॥

Over time, the learned ones who have mastered and constantly recite this kavacam, will come out of all forms of poverty and financial woes and obtain immense material wealth and money. Those who do not have children, will soon have children and in general, gain all types of knowledge and obtain great honor and respect in the society.

॥ iti śrī rudrayāmalokta dhanadā yakṣiṇī kavacaṃ sampūrṇam ॥

॥ इति श्री रुद्रयामलोक्त धनदा यक्षिणी कवचं सम्पूर्णम् ॥

(Thus ends the Śrī Dhanadā Yakṣiṇī kavacaṃ derived from the Śrī Rudrayāmala Tantram).

This article is written by Krishna Vallapareddy