Lakshmi Kubera Mantra for Wealth and Prosperity: Verified Vedic Verse, Lakshmi Mantras, Chanting Vidhi and Dhanteras 2026

Quick answer: Hindus pray to Goddess Lakshmi, the goddess of prosperity, and Lord Kubera, the treasurer of the gods, together for a stable and honest livelihood. The most widely chanted verified prayers are the Lakshmi mantra "Om Shrim Mahalakshmyai Namah" and the Vedic Kubera verse "rajadhirajaya prasahya sahine" from the Mantra Pushpam. The great day for Kubera is Dhanteras, Friday 6 November 2026.

Part of Diwali 2026: dates and muhurat for all five days are in our Diwali 2026 guide. See also: Dhanteras 2026 and Diwali 2026 date and Lakshmi Puja muhurat.

Last updated: 26 October 2026. We rewrote this guide with mantras from checked texts, added who Kubera is, a chanting vidhi, a samagri list and the 2026 Dhanteras and Diwali dates. We removed a short bija mantra we could not trace to any text, and claims that a mantra guarantees wealth.

Lakshmi and Kubera: who they are

Lakshmi is the goddess of wealth, fortune and wellbeing, the consort of Vishnu. Her blessing is traditionally sought not only for money but for health, harmony in the home and good character.

Kubera (also Kuber or Vaishravana) is the treasurer of the gods and the lord of the yakshas, who guard the treasures of the earth. He is one of the guardians of the directions (dikpalas), ruling the north from his city of Alaka. In the Ramayana he is the son of the sage Vishrava and the half-brother of Ravana, who took Lanka and the Pushpaka chariot from him. Even the Hanuman Chalisa names him among the guardians of the world:

जम कुबेर दिगपाल जहाँ ते ।
कबि कोबिद कहि सके कहाँ ते ॥

jama kubera digapāla jahām̐ te |
kabi kobida kahi sake kahām̐ te ||

Meaning: Yama, Kubera and the guardians of the directions, and poets and scholars, cannot fully describe your glory (Hanuman). As traditionally explained, Lakshmi is the source of wealth and Kubera its keeper and distributor, which is why the two are worshipped together. Read more in our Kubera mantra guide and the 108 names of Kubera.

The prayers at a glance

1. Begin with Ganesha

ॐ गं गणपतये नमः॥

oṃ gaṃ gaṇapataye namaḥ||

Every puja begins by remembering Ganesha, the remover of obstacles.

2. The Lakshmi mantra

ॐ श्रीं महालक्ष्म्यै नमः॥

oṃ śrīṃ mahālakṣmyai namaḥ||

Meaning: "Om, salutations to Mahalakshmi." "Shrim" is the seed syllable of Lakshmi. Chant it 11, 21 or 108 times.

3. The Kubera verse of the Mantra Pushpam

The Mantra Pushpam, the Vedic "flower of mantras", is chanted by priests at the end of temple and home pujas. Its last verse is addressed to Kubera:

राजाधिराजाय प्रसह्यसाहिने ।
नमो वयं वैश्रवणाय कुर्महे ।
स मे कामान्कामकामाय मह्यम् ।
कामेश्वरो वैश्रवणो ददातु ।
कुबेराय वैश्रवणाय । महाराजाय नमः ।

rājādhirājāya prasahyasāhine |
namo vayaṃ vaiśravaṇāya kurmahe |
sa me kāmānkāmakāmāya mahyam |
kāmeśvaro vaiśravaṇo dadātu |
kuberāya vaiśravaṇāya | mahārājāya namaḥ |

Meaning: We offer our salutations to Vaishravana, the king of kings, who overcomes all. May Vaishravana, lord of desires, grant my wishes to me who longs for them. Salutations to Kubera Vaishravana, the great king. Source: Mantra Pushpam text, sanskritdocuments.org (Taittiriya Aranyaka). Listen to a priest or a recording to learn the Vedic accent before chanting it.

4. Two verses of the Sri Suktam

The first verse invites Lakshmi:

ॐ ॥ हिरण्यवर्णां हरिणीं सुवर्णरजतस्रजाम् ।
चन्द्रां हिरण्मयीं लक्ष्मीं जातवेदो म आवह ॥ १॥

oṃ || hiraṇyavarṇāṃ hariṇīṃ suvarṇarajatasrajām |
candrāṃ hiraṇmayīṃ lakṣmīṃ jātavedo ma āvaha || 1||

Meaning: O Jataveda (Agni), bring to me Lakshmi, golden in colour, lovely as a deer, wearing garlands of gold and silver, radiant as the moon.

The seventh verse asks for the companion of the gods and for honour. The "devasakha" (friend of the gods) in this verse is traditionally understood as Kubera:

उपैतु मां देवसखः कीर्तिश्च मणिना सह ।
प्रादुर्भूतोऽस्मि राष्ट्रेऽस्मिन् कीर्तिमृद्धिं ददातु मे ॥ ७॥

upaitu māṃ devasakhaḥ kīrtiśca maṇinā saha |
prādurbhūto'smi rāṣṭre'smin kīrtimṛddhiṃ dadātu me || 7||

Meaning: May the friend of the gods come to me with fame and the jewel; I am born in this land; may he grant me fame and prosperity. Read the complete Sri Suktam with meaning.

Samagri for Lakshmi Kubera worship

How to chant: a simple vidhi

1. Bathe, wear clean clothes and sit facing east or north in a clean place.
2. Light the lamp and incense and offer a flower to Ganesha, chanting his mantra.
3. Offer kumkum, turmeric, rice and flowers to Lakshmi and Kubera.
4. Chant "Om Shrim Mahalakshmyai Namah" 108 times on the mala.
5. Recite the Kubera verse once or three times, slowly, and then the Sri Suktam verses if you know them.
6. Offer the naivedya and do a short aarti.
7. Close with a quiet prayer: ask for honest work, wisdom in money matters and the means to help others.

Friday, the day of Lakshmi, is the traditional weekly day; many also chant on Thursdays. Morning after a bath or the evening lamp-lighting time are the usual times.

Dhanteras and Diwali 2026

For the full Dhanteras puja with city-wise times, see Kuber Puja 2026 on Dhanteras, and for Diwali, the Diwali 2026 Lakshmi Puja muhurat. Use the time for your own city; never convert India's times abroad.

What devotees believe, and a word on money

Devotees traditionally believe that worship of Lakshmi and Kubera brings steadiness in income, protection from waste and a generous heart, and many families feel the daily lamp and prayer bring calm and discipline into the home. These are matters of faith, not guarantees. The tradition itself teaches that Lakshmi stays where there is honesty, cleanliness, hard work and charity.

So pray, and also plan: keep a simple budget, save regularly, avoid loans you cannot repay, be wary of schemes that promise quick money, and take advice from a qualified financial adviser before big decisions. Some devotees also visit temples linked with Lakshmi and Kubera, such as the Sri Lakshmi Kuberar temple near Chennai, and many enjoy the story of Lord Venkateswara's loan from Kubera.

What we left out, and why

Many websites give a short bija mantra addressed to Kubera as Vitteshvara, or the longer "Om Yakshaya Kuberaya" mantra ending in "svaha". Drik Panchang and the sanskritdocuments.org Kubera text print these, but we could not trace them to a Veda or Purana, so this page keeps to the Vedic verse and the Lakshmi prayers above. Our Kubera mantra guide gives them with meaning and sources. If your family or teacher has given you a mantra, continue with it.

Frequently asked questions

What is the Lakshmi Kubera mantra?

Devotees pray to Lakshmi and Kubera together with the Lakshmi name mantra "Om Shrim Mahalakshmyai Namah" and the Vedic Kubera verse "rajadhirajaya prasahya sahine, namo vayam vaishravanaya kurmahe", which is chanted at the end of temple pujas as part of the Mantra Pushpam.

Where does the Kubera verse "rajadhirajaya" come from?

It is part of the Mantra Pushpam, a passage from the Taittiriya Aranyaka of the Krishna Yajurveda. It salutes Kubera Vaishravana as king of kings and asks him to fulfil the worshipper's wishes.

When is Kuber Puja in 2026?

Kuber Puja is done on Dhanteras, which falls on Friday 6 November 2026. Drik Panchang gives the New Delhi puja muhurat as 6:02 PM to 7:58 PM. Lakshmi Puja on Diwali is on Sunday 8 November 2026.

How many times should I chant the Lakshmi Kubera mantras?

A common practice is 108 times (one mala) a day, often for 21 or 41 days, or on Fridays. Beginners can start with 11 or 21. Steady daily chanting matters more than a large number.

Who is Lord Kubera?

Kubera, also called Vaishravana, is the treasurer of the gods, lord of the yakshas and guardian of the northern direction. In the Ramayana he is the son of the sage Vishrava and the half-brother of Ravana, who took Lanka and the Pushpaka chariot from him.

Can chanting a mantra make me rich?

No mantra can promise money. Devotees traditionally believe that Lakshmi and Kubera bless honest effort, generosity and careful use of wealth. Pray, and also work, save, avoid debt you cannot repay and take sound financial advice for big decisions.

Who can chant these mantras?

Anyone may chant the name mantras with faith, regardless of age or gender. The Vedic verses are traditionally learned by listening to a teacher or a priest, so hear a recording first and chant slowly.

Editor's note

Editor's note (26 October 2026): This guide was rewritten. The Kubera verse is copied from the Mantra Pushpam text on sanskritdocuments.org; the other Sanskrit and Awadhi lines come from our checked texts. Meanings are our simple English renderings. Dates are from Drik Panchang. Nothing here is financial advice, and no prayer can promise a financial result.

Related guides

• Kuber Puja 2026 on Dhanteras: muhurat, samagri and vidhi
• Dhanteras 2026
• Mahalakshmi Ashtakam with meaning
• Lakshmi Ashtottara Shatanamavali: 108 names