Remedies · Tripura Bhairavī · 6 min read
This method has been given by the learned sādhak Tīvra of Manblunder.
The best remedy for loans, debts and money problems in the chart is the worship of Tripura Bhairavī, the Mahāvidyā who is ruling the ascendant, through her 108 names at the sandhyās of the day. It needs no initiation.
Loans, debts and money struggles are almost never about one planet or one house. In most cases several things in the chart are working together to create the problem, and these again are based on our karmas.
How do these things affect us? We already know that the grahas influence us during their daśā and other periods, making us make certain choices which get us into situations where we have to face the karmas due to lack of judgement and so on.
But there is an inner guide in you which can take control of all 9 grahas and get the best out of them for your growth in every area of life. As long as this guide is ignored, the grahas rule your life on their own, like a kingdom with no king. When you call on this guide, it puts all the grahas to work for you, in line with your soul’s mission.
Why Tripura Bhairavī
When we use the aṣṭakavarga system, we have the 7 planets that give points to each of the houses, plus the ascendant. Similarly, there are 10 Mahāvidyās, which are mapped to the 7 planets plus the 2 nodes and lastly the ascendant in the D10 chart.
What is the ascendant? The ascendant, also known as lagna, is the mathematical point calculated based on when the jīva takes birth for the first time and the first ray of the sun falls onto it.
The Mahāvidyā who is ruling the ascendant is known as Tripura Bhairavī.
When a person who is confused and has lost hope takes refuge in Tripura Bhairavī, that person soon becomes like Gaṇapati. However many problems and obstacles the devotee’s charts show, with her blessings the devotee crosses all of them. She works from the roots. A sick tree becomes healthy again once its roots are healed, and in the same way, once she strengthens the roots of your charts, the problems in every chart start to get solved. It takes time, and for those who keep their devotion to her steady, it is permanent.
How to worship her without dīkṣā
But again the problem arises that in this Kaliyug, where do we find a genuine guru who can give mantra dīkṣā, that too in the Mahāvidyā Bhairavī? To overcome that, the easiest and the best way for a layman to worship her is through her Aṣṭottaraśatanāma, her 108 names, which require no initiation. They represent the 108 different guṇas of the Mother, and chanting them makes her grace fall on us.
शृणु प्रिये महागोप्यं नाम्नामष्टोत्तरं शतम् ॥२॥
भैरव्याः शुभदं सेव्यं सर्वसम्पत् प्रदायकम् ।
यस्यानुष्ठान मात्रेण किं न सिद्ध्यति भूतले ॥३॥ śṛṇu priye mahāgopyaṁ nāmnām aṣṭottaraṁ śatam ||2||
bhairavyāḥ śubhadaṁ sevyaṁ sarvasampat pradāyakam |
yasyānuṣṭhāna mātreṇa kiṁ na siddhyati bhūtale ||3|| “Listen, beloved: the hundred and eight names of Bhairavī, a great secret, auspicious, worth practising, the giver of every kind of wealth. What on earth is not accomplished just by performing it?”
Śiva to the Goddess · Tripurabhairavī Aṣṭottaraśatanāma Stotram 2–3 · Śāktapramoda
When to chant
As any astrologer knows, a good muhūrta is absolutely necessary, and the same is true for spiritual practices. In the spiritual world, the best time to do any worship is during the sandhyā period.
There are four sandhyās in the 24 hours: sunrise, noon, sunset and midnight. Recite the Tripurabhairavī Aṣṭottaraśatanāma Stotram as many times as you can inside these four sandhyās. I promise you, she will take charge of all 9 grahas together and turn their effects in the best direction for your soul’s mission, and a good financial life is part of that. If you cannot do all four, do only the midnight sandhyā. It is the most important one.
The midnight sandhyā is 72 minutes long, from 36 minutes before midnight to 36 minutes after it, and noon is the same, 36 minutes on either side. Sunrise and sunset have their own rule: the sunrise sandhyā runs from 48 minutes before sunrise to 24 minutes after, and the sunset sandhyā from 24 minutes before sunset to 48 minutes after.
Note that noon and midnight here are solar noon and true midnight, which are not 12:00 by the clock. Solar noon is halfway between your sunrise and sunset, and true midnight is 12 hours after it. In Ahmedabad, for example, the midnight sandhyā opens somewhere between about 11:45 pm and 12:20 am, depending on the time of year. Check your own sunrise and sunset.
What exactly is a sandhyā?
Think of a mantra as a phone call to the deity. When you recite it, you are dialling her number. At the 4 sandhyās the call connects and the line is clear. Outside these times the line is so full of noise that you cannot really get through.
How long to do it
As mentioned, this is not a shortcut practice, and it will have to be continued for a period of 6 months at least, but it is a permanent fix.
Her 108 names, in English letters, are here: Śrī Tripura Bhairavī Aṣṭottara Śatanāmāvalī. The stotram in Devanāgarī is on sanskritdocuments.org.
Other stotrams for debt
For people who do not wish to enter Mahāvidyā worship, alternate options for the removal of debt and disease are given in the śāstra in the form of stotrams. They are as follows:
Ideally, the sādhanā for these stotrams has to be done for 41×41 days, as per the paddhati.
Sources: Tripurabhairavī Aṣṭottaraśatanāma Stotram, from the Śāktapramoda of Rājā Deva Nandan Singh (1894). Image: Metropolitan Museum of Art 2021.190, public domain.
