Previously, I provided a universal solution for financial problems, but outside of Tantra (through Kabbalah). I know it's uncomfortable for many devotees to use systems they're unfamiliar with. Now, I will give a realistic solution within Tantra that works for everyone. The first thing the devotee should keep in mind is that, in most cases, Loans, Debts, and Other Financial Struggles involve the astrological chart in a systemic way. This means that there is a set of astrological factors that result in the financial problem most of the time. It's not one fact, but several, most of the time. You have an inner guide capable of taking control of the 9 Grahas to extract the best from them for your evolution in all areas. While this guide remains ignored, the 9 Grahas take command of all areas of your life, like a throne without a king. But when this guide is called upon, it commands ALL the Grahas to help you in the best possible way, according to your Soul's mission. This inner guide that burns in the Heart is called "Caitya Puruṣa" (Psychic Soul). This Psychic Soul is the result of the unfolding of Śuddhavidyā Manonmanī (aim̐ īm̐ auḥ) into Bālā Tripurasundarī (aim̐ klīm̐ sauḥ) and Tripurabhairavī (hsraim̐ hsklrīm̐ hssrauḥ). But I know that you only desire a decent financial life, so you will not recite these powerful Mantras, but rather the 108 names of Tripurabhairavī during the Four Thresholds of the 24 hours (Sandhyās - Sunrise, Noon, Sunset and Midnight). I promise you that if you recite the Tripurabhairavī Aṣṭōttaraśatanāma Stotram as much as you can within the 4 Sandhyās of the days, Tripurabhairavī will take control of the 9 Grahas at once and will guide their effects in the best possible way for your soul's mission (which includes a good financial life). If you cannot recite the Stotra in all 4 Sandhyās, recite it only in the Midnight Sandhyā, which is the most important of the four. I promise you, it will control the 9 Grahas at once in your favor. Do not mix other practices with this. Use only this Stotra alone and without a Mantra. It is important that you recite at the correct times with precision. For example, the Midnight Sandhyā lasts 72 minutes (36 minutes before and after Midnight; the same applies to the Noon Sandhyā, but the Dawn and Dusk Sandhyās have their own rules for beginning and ending: 48|24 Sunrise, 24|48 Sunset). To understand the power of the Sandhyā, you need to understand that it is something that replaces Puraścaraṇa. What is Puraścaraṇa? When you recite a Mantra, you are dialing the "number of the deity" and wishing to open a connection. During the 4 Sandhyās, the call can be made and the connection will be noise-free, but outside of these times the connection is full of noise, making communication impossible. Puraścaraṇa aims to pierce the "Wheel of Time" permanently to maintain an open and uninterrupted connection with the Goddess or God 24 hours a day, forever (hence the high number of recitations and requirements, it's to pierce the wheel of time). Puraścaraṇa gives the ability to obtain the results of the Sandhyās outside of the Sandhyās. Another truth about the Sandhyās is that if you recite a Mantra during the 4 Sandhyās for a period of time, you will achieve the same result as Puraścaraṇa with a considerably smaller number of recitations. Practices using the Sandhyās are a more realistic adaptation for current times and achieve the same result as Puraścaraṇa if you are precise with the exact times (remember that solar noon changes and must be parallel to true midnight). The Midnight Sandhyā is a kind of combination of the other 3 Sandhyā, therefore the most important, but ideally you would use all four. And you should know that the 3 Sandhyā represent the 3 Kūṭas of the 15-Letter Kādi considered individually, and that the Midnight Sandhyā represents the 3 Kūṭas together. I gave you all this information so you can understand the practice of Tripurabhairavī. Use only the Stotra of Tripurabhairavī, which will be sufficient. I promise you that besides organizing all the Grahas in your favor, it will gradually reveal to you the Caitya Puruṣa hidden in your heart. Here is the 108th name of Tripurabhairavī in Stotra form: https://stotranidhi.com/hi/sri-tripura-bhairavi-ashtottara-shatanama-stotram-in-sanskrit/

Namste which mala specifically Sphatika mala or hakik mala for japa?

You can safely recite and meditate on the dhyāna ślokas for both Mahākālabhairava and Mahākālī. Some stotras that do not include viniyogas etc are also safe. Everything else should be done following the prescribed krama if you are looking for any meaningful results. Unfortunately, I am not an adept at Kālīkrama and am not bale to advise you further. I would suggest contacting those following Kālīkrama to advise you further.

Hello sir plz reply

Ok I got it but since I am not initiated and I am chanting this mantra along with the nayasas will it have the same positive effects both spiritually and materially or will it harm me instead and another question is can I combine this mahakaal bhairav mantra with Dakshina Kali 22 akshari mantra since she is the consort and their sadhanas go hand in hand plz answer sir I will be looking for your guidance as I am in a stage where I do need to fullfill my material duties and along with that moksh too

I have not practiced this mantra nor am I aware of anyone who has practiced it or is practicing it. My views are very generic and applicable to higher tantric mantras associated with self-realization and liberation. If practiced properly with Pañcāṅga elements and associated rituals and Aṅga devata worship, you will certainly accrue material and spiritual benefits. The latter will always overwhelm the former and that is the norm.

What is your experience with mahakala mantra or anyone you know did they suffer financial losses and hardships

The results may be adverse from a materialistic perspective but otherwise it is a sādhana that leads you towards mokṣa - liberation. The karmic burning gets accelerated and due to that one can face severe hardships most commonly encountered in Kālī krama and Śrī Vidyā. It is certainly for the very brave vīra sādhakas and maybe you are one of them. You should note that it may not be possible to find a suitable guru where you are located at and hence may need to travel to other places to seek a suitable guru. If it is not feasible, then the suggestion is to find a suitable mantra of the same deity that does not require an initiation. There are greater chances of material success with simple mantras than with complex tantric mantras. I am glad to know that the mantra has had beneficial influence on you.

Ok I understand but as I did the mantra with proper nayasas and all I felt a great sense of peace and stillness within so that's why asked you if there are any adverse effects and to find a guru is not possible for me as in the region where I live it is almost seem to be impossible may be in future if Sri Mahakala Bhairava wants so for me In the description of the sadhana you mentioned it's a life changing sadhana could you plz clarify sir what kind of life changing sadhana it is plz if you do so it will be very helpful

Yes as of for now I have chanted around 25 malas of the mahakala mantra and I felt great peace and silence but since I. Am a Man who Is in samsara I must also undertake my worldly deities so for that only will this mantra sadhana lead me to loss of job or money as a result of accelerated karmic burning