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Lakshmi Puja is performed during Pradosh Kaal (after sunset) and Nishita Kaal (midnight). The most auspicious window is typically between 6:00 PM and 8:00 PM on Amavasya night.
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Clean the puja area thoroughly. Spread a red cloth on a wooden chowki (platform). Place Lakshmi idol/image in the center facing East, Ganesha to her left. Place coins, the account book, and pen near the idols.
Sip water three times from the right palm for self-purification while reciting the names of Vishnu.
Hold water and akshat in the right hand, state the date, place, and purpose of the Lakshmi-Ganesha puja, then release the water.
Begin by worshipping Ganesha first (as is tradition before any puja). Offer kumkum, akshat, durva, and red flowers. Chant the Ganesh Beej Mantra.
ॐ गं गणपतये नमः
oṃ gaṃ gaṇapataye namaḥ
Salutations to Lord Ganapati, the remover of obstacles
Invoke Goddess Lakshmi into the idol/image with folded hands. Offer akshat and lotus flowers while chanting the Lakshmi Beej Mantra.
ॐ श्रीं महालक्ष्म्यै नमः
oṃ śrīṃ mahālakṣmyai namaḥ
Salutations to the great Goddess Lakshmi, the bestower of auspiciousness and wealth
Offer water for washing the feet (padya) and scented water as arghya to Goddess Lakshmi.
Bathe the Lakshmi idol with Panchamrit (milk, curd, ghee, honey, sugar), then with clean water.
Offer a red saree/cloth to Lakshmi. Adorn with ornaments if available.
Apply sandalwood paste and kumkum to the Lakshmi idol.
Offer lotus flowers and other red/pink flowers to Goddess Lakshmi. Lotus is her most beloved flower.
Light incense sticks and wave them before both Lakshmi and Ganesha idols.
Light all 13 ghee lamps. Place them around the puja area. Wave one lamp before the deities in a clockwise motion.
Recite the Shri Sukta from the Rig Veda — this is the most important recitation during Diwali Lakshmi puja.
ॐ हिरण्यवर्णां हरिणीं सुवर्णरजतस्रजाम्। चन्द्रां हिरण्मयीं लक्ष्मीं जातवेदो म आवह॥
oṃ hiraṇyavarṇāṃ hariṇīṃ suvarṇarajatasrajām | candrāṃ hiraṇmayīṃ lakṣmīṃ jātavedo ma āvaha ||
O Jataveda (Agni), bring to me that Lakshmi who is golden-hued, deer-like, adorned with gold and silver garlands, radiant as the moon, and resplendent as gold.
Chant the Lakshmi Beej Mantra 108 times using a mala (rosary). Focus on abundance and prosperity.
ॐ श्रीं महालक्ष्म्यै नमः
oṃ śrīṃ mahālakṣmyai namaḥ
Salutations to the great Goddess Lakshmi, the bestower of auspiciousness and wealth
Worship Kubera (the divine treasurer) by placing coins near the idol and chanting the Kubera Mantra. This ensures continuous flow of wealth.
ॐ यक्षाय कुबेराय वैश्रवणाय धनधान्याधिपतये धनधान्यसमृद्धिं मे देहि दापय स्वाहा
oṃ yakṣāya kuberāya vaiśravaṇāya dhanadhānyādhipataye dhanadhānyasamṛddhiṃ me dehi dāpaya svāhā
O Kubera, lord of Yakshas, son of Vishravana, lord of wealth and grain — bestow upon me prosperity of wealth and grain.
Offer sweets (kheer, laddoo, barfi), fruits, and coconut as naivedya. Sprinkle water around the offerings.
Offer paan, supari, and cloves as tambula.
Place the new account book (Bahi Khata) before the Lakshmi idol. Write "Shri" or "Shubh Labh" on the first page with the new red pen. Apply kumkum and akshat on it.
Perform aarti with camphor and ghee lamp while singing "Om Jai Lakshmi Mata". Ring the bell and blow the conch shell.
Circumambulate the puja setup 3 times in a clockwise direction.
Offer flowers with both hands while praying for prosperity. Bow down and seek blessings.
After the puja, place lit diyas at the entrance, windows, balcony, tulsi plant, and every room of the house. The entire home should be illuminated.