Rituals to Get Rid of Debts

Monday, December 29, 2025

Rituals to Get Rid of Debts: A Spiritual Approach to Financial Freedom

Debts can be a heavy burden, both mentally and emotionally. Whether they stem from loans, credit cards, or unforeseen expenses, the stress of managing debt often takes a toll on one's well-being. While financial planning and disciplined budgeting are essential, many people also turn to spiritual practices and ancient rituals to invoke divine blessings and reduce their debt.

In Vedic traditions, several time-tested rituals and prayers are specifically designed to bring relief from financial burdens. These spiritual practices are not just about invoking wealth but about aligning with divine energies that can guide us toward a path of abundance, balance, and prosperity.

1. Worship of Lord Kubera (God of Wealth)

Lord Kubera is considered the treasurer of the gods and is worshipped for financial stability and prosperity. Performing a simple Kubera Puja regularly can help reduce debts and attract wealth.

How to perform the ritual:

• Light a ghee lamp and offer flowers and incense to an image or idol of Lord Kubera.
• Chant the Kubera Mantra 108 times:
  “Om Yakshaya Kuberaya Vaishravanaya Dhanadhanyadi Pataye Dhanadhanya Samriddhim Me Dehi Dapaya Svaha”
• Offer sweets or fruits after the mantra chanting and distribute them among family or friends.

This ritual can be done every Thursday or Friday to enhance financial growth.

2. Chanting the Shree Sukta

The Shree Sukta is a highly revered set of verses in praise of Goddess Lakshmi, the goddess of wealth and prosperity. Regular chanting of Shree Sukta can bring financial stability and aid in paying off debts.

How to perform the ritual:

• Place a picture or idol of Goddess Lakshmi on a clean altar, with a small lamp (diya) in front.
• Chant the Shree Sukta while focusing on each verse with devotion and sincerity.
• Offer rice, turmeric, and flowers to the goddess after completing the chant.

This ritual can be performed daily or during auspicious times like Fridays or during Diwali to attract financial abundance.

3. Offerings to Planet Saturn (Shani)

In astrology, Shani (Saturn) is associated with karmic debts, challenges, and hardships. To seek relief from debt and financial strain, offering prayers to Shani can help reduce the karmic influences causing financial difficulties.

How to perform the ritual:

• On a Saturday, light a sesame oil lamp in front of Shani's idol or a black stone.
• Chant the Shani Mantra 108 times:
  “Om Sham Shanicharaya Namaha”
• Donate black sesame seeds, iron objects, or clothes to those in need, as a way of reducing karmic debt.

4. Vishnu Sahasranama Chanting

The Vishnu Sahasranama (1000 names of Lord Vishnu) is a powerful hymn that brings peace, prosperity, and overall well-being. Chanting these names with devotion not only helps in getting rid of debt but also brings clarity of thought and spiritual growth.

How to perform the ritual:

• Sit in a peaceful, clean area and place an image or idol of Lord Vishnu on the altar.
• Recite the Vishnu Sahasranama daily or every Thursday for at least 21 days.
• Offer tulsi leaves, fruits, and a lamp to Lord Vishnu during the chanting.

5. Fasting and Donations on Ekadashi

Ekadashi is the eleventh lunar day and is considered an auspicious time to fast and seek blessings. Fasting on Ekadashi is believed to remove past sins and help relieve financial burdens.

How to perform the ritual:

• Observe a fast on Ekadashi by consuming only fruits and water, or you can opt for a more stringent fast (complete fasting).
• During the day, pray to Lord Vishnu, chant mantras, and avoid material distractions.
• Donate food, money, or clothes to the needy at the end of the fast to gain divine blessings for financial stability.

6. Hanuman Puja for Strength and Support

Lord Hanuman is revered for his strength and devotion, and his blessings can help overcome obstacles, including financial ones. A simple Hanuman Puja can bring mental strength and help in making decisions that lead to debt relief.

How to perform the ritual:

• Every Tuesday, light a ghee lamp in front of Hanuman's idol or image.
• Offer red flowers, betel leaves, and sindoor (vermilion) to Hanuman.
• Chant the Hanuman Chalisa or the following mantra 108 times:
  “Om Namo Hanumate Namaha”

7. Offering Water to Lord Surya (The Sun)

Offering water to Lord Surya at sunrise is a powerful remedy to overcome financial difficulties and debts. Surya is the giver of life, health, and prosperity.

How to perform the ritual:

• Every morning, after bathing, face the east and offer water to the Sun while chanting the Surya Mantra:
  “Om Hreem Suryaaya Namaha”
• Visualize the Sun’s rays dispelling negativity and attracting abundance into your life.

The Power of Faith and Devotion

While these spiritual rituals are powerful tools for relieving debt and financial burdens, it is important to remember that they work in harmony with practical financial efforts such as budgeting, planning, and discipline. The key lies in having faith, dedication, and consistency in your practices.

By combining spiritual energy with sound financial management, you create a holistic approach that helps you reduce debts and move toward a life of prosperity and abundance.