In the ancient Vedas, "Rina" (Debt) is considered one of the three great bondages of human life.
A man in debt cannot sleep. He cannot pray. He lives in constant fear.
If you are working 12 hours a day but your bank balance is zero, the problem is not your effort. The problem is "Dhan Stambhan" (Wealth Blockage).
1. The "Sthira Lakshmi" Secret
Most people pray to Goddess Lakshmi for money. But they forget one fundamental truth:
Lakshmi is "Chanchala"
She is moving. Like water. She comes into your hand and flows out immediately (Expenses, Medical bills, Theft).
Baglamukhi is "Sthira"
She is the "Stambhan" Devi. She freezes things. She stops the leakage.
2. Signs of "Wealth Blockage" (Dhan Bandhan)
Check if you have these symptoms. This confirms it is a Spiritual Issue, not just bad accounting.
1. The "Emergency" Drain
Every time you save a significant amount (e.g., ₹50,000), a sudden emergency (Car breakdown, Hospital) wipes it out exactly.
2. Bad Debts (Physically Stuck)
People who owe you money have vanished or refuse to pay, even though they have the capability.
3. Interest Spiral
You are taking loan B to pay off loan A. The principal amount never decreases.
4. Electronic Failures
Frequent breakdown of machinery or electronics in the office (Rahu effect).
3. The 10,000 Lotus Seed Havan
For deep debt (Crores), home remedies don't work. You need the "Rina-Mochan Havan".
The Process
We use Kamal Gatta (Dried Lotus Seeds). The Lotus is the seat of Lakshmi. But these seeds are hard (like coconuts). When 10,000 seeds are offered into the fire soaked in Ghee, they crackle with a sound. This sound frequency breaks the "Poverty Consciousness" in your Aura.
Mantra: "Om Hleem Shreem Bagla-Lakshmi Rina Nashaya Swaha"
4. The Mars (Mangal) Connection
In Astrology, Mars is the "Karaka" of Debt. The 6th House controls Loans.
- Weak Mars: You borrow out of fear/survival.
- Afflicted Mars (Rahu): You borrow for gambling/stock market and lose it.
- Remedy: Always repay the first EMI on a Tuesday. Baglamukhi rules Mars. Tuesday repayment accelerates debt clearance.
5. Turnaround Story: The 5 Crore Default
"I had a debt of ₹5 Crores. Banks seized my factory. I was suicidal. Pandit Ji diagnosed a 'Guru Chandal Dosh'. We performed the Rina Mukti Havan for 3 days. Within 21 days, the bank surprisingly agreed to a One-Time Settlement (OTS) at 40%. Simultaneously, an old stuck payment from a Dubai client was released. I am not rich yet, but I am free."