Śrī Saubhāgya Lakṣmī Vidyā
Śrī Saubhāgya Lakṣmī Vidyā is the Vidyā of Śrī Lakṣmī Herself. In this tradition, Lakṣmī is not approached merely as a bestower of prosperity, but as the primordial Śakti who is the very ground of existence. Her mūla-svarūpa is expressed as Aṣṭa-Lakṣmī, yet Her essence remains singular and undivided.
The primordial name of Śakti is Lakṣmī.
Vanadurgā is non-different from this very Lakṣmī.
Indeed, Lakṣmī—also known as Bhagavatī—is Herself Vanadurgā. This identity is revealed and illumined through Triveṇī-Vidyā, wherein the unity of Śrī, Bhū, and Nīlā is directly contemplated.
This understanding is affirmed in the Sītā Upaniṣad, which teaches that Sītā is the threefold Lakṣmī—Śrī, Bhū, and Nīlā—who, in accordance with Divine Will, assumes forms for the protection and sustenance of all worlds.
The Śakti-tattva of the Vedic and Āgamic traditions begins with one fundamental insight: the primordial name of Śakti is Lakṣmī. Before any specialization into forms such as Durgā, Ambikā, Lalitā, or Sarasvatī, the root Śakti is addressed as Lakṣmī, the luminous potency of the Supreme.
The Sītā Upaniṣad declares this root Śakti as:
sītā iti trivarṇātmā sākṣānmāyāmayī bhavet
Sītā (i.e., Lakṣmī) is inherently Trivarṇā—threefold—and She is Māyā itself.
This “Trivarṇā” nature is the foundational description of Divine Śakti.
The Upaniṣad says:
śrīr iti lakṣmīr iti lakṣyamāṇā bhavatīti
“She who is called Śrī is Lakṣmī, the one sought by all beings.”
Śrī is the icchā–śakti component of Śakti-tattva.
Śrī represents the subtle luminosity by which the formless Absolute reveals itself.
bhūdevī sasāgarāṃbhaḥ-saptadvīpā vasundharā… ādhārādheyā praṇavātmikā
“Bhū-devī is the Earth with oceans and continents, the support of the worlds, the essence of Om.”
Bhū is the kriyā-śakti in her grounding form:
Bhū is the cosmic base of operation for Divine activity.
nīlā ca mukhavidyunmālinī sarvauṣadhīnāṃ sarvaprāṇināṃ poṣaṇārtham
“Nīlā is radiant like lightning; She nourishes all plants and all beings.”
Nīlā is jñāna–śakti in dynamic form:
Nīlā represents the mysterious and fluid aspect of Śakti—the one that transforms, heals, and evolves.
The Upaniṣad further correlates Trivarṇā with the fundamental Śakti-triad:
icchāśaktistrividhā bhavati — śrī-bhū-nīlātmikā
“The Will-power becomes threefold as Śrī, Bhū, and Nīlā.”
The Upaniṣad states:
sītā mūlaprakṛtirucyate
“Sītā (Lakṣmī) is called the Root-Prakṛti.”
This means Lakṣmī is not merely the goddess of wealth;
She is the Primal Matrix—the undivided potency out of which the universe arises.
In Triveṇī-Vidyā, Lakṣmī is primarily invoked in this very svarūpa—as the unified Trivarṇā Śakti.
From Devī Bhāgavata Purāṇa:
triguṇā sā mahālakṣmīḥ sarvadevaśarīrajā |
aṣṭādaśabhujā ramyā trivarṇā viśvamohinī ||
Saubhāgya Lakṣmī as Kaivalya-Vidyā
The most profound revelation of the Saubhāgya-Lakṣmī Upaniṣad (Ṛgvedīyā) is that Lakṣmī is not presented merely as a goddess of fortune or material abundance. Rather, She is revealed as Saubhāgya Lakṣmī, the embodiment of Kaivalya-Vidyā—the knowledge that leads to non-dual liberation.
saubhāgyalakṣmī-kaivalya-vidyā-vedya-sukhākṛtiḥ
Saubhāgya Lakṣmī is the very form of bliss,
knowable only through liberating knowledge,
not through external acquisition.
Thus, Saubhāgya ≠ fortune alone.
Saubhāgya = abiding in the fullness of Brahman as Śrī.
When the Devas implore Nārāyaṇa to reveal the Saubhāgya Lakṣmī Vidyā, the Upaniṣad defines Her as:
-
turīya-rūpā — present even in the fourth state of consciousness
-
turīyātītā — transcending even Turīya
-
sarva-mantrāsana-gatā — seated upon all mantras
Here, Lakṣmī is not secondary to Viṣṇu, but Parā-Śakti—the very ground in which even Viṣṇu abides. Her later identification as Viṣṇu-patnī is symbolic of inseparability, not hierarchy.
The Upaniṣad further establishes Śrī Sūktam itself as the mantra-body of Saubhāgya Lakṣmī. It is upon this Saubhāgya Lakṣmī Vidyā that Śrī Vidyā is founded.
Therefore, seekers of Mā Vanadurgā necessarily pass through Śrī Vidyā, for the central mantra of Her worship—the Śrī Saubhāgya Lakṣmī Pañcadaśākṣarī Mahāmantra—is revealed within this very Saubhāgya Lakṣmī Vidyā, which is itself known as Śrī Vidyā.
Śrī Saubhāgya Lakṣmī Dhyāna-śloka
श्री–सौभाग्यलक्ष्मी–ध्यानम्
bhūyād bhūyaḥ
भूयाद् भूयः
dvi-padma-abhaya-varada-karā
द्वि-पद्म-अभय-वरद-करा
tapta-kārta-svara-ābhā ।
तप्त-कार्त-स्वर-आभा ।
śubhra-abhra-ābha-ibha-yugma
शुभ्र-अभ्र-आभ-इभ-युग्म
dvaya-kara-dhṛta-kumbhāt
द्वय-कर-धृत-कुम्भात्
adbhiḥ āsicyamānā ॥
अद्भिः आसिच्यमाना ॥
rakta-ogha-ābaddha-mauliḥ
रक्त-औघ-आबद्ध-मौलिः
vimala-tara-dukūla
विमल-तर-दुकूल
ārtava-ālepana-āḍhyā ।
आर्तव-आलेपन-आढ्या ।
padma-akṣī
पद्म-अक्षी
padma-nābha-urasi
पद्म-नाभ-उरसि
kṛta-vasatiḥ
कृत-वसतिः
padma-gā
पद्म-गा
śrīḥ
श्रीः
śriye naḥ ॥
श्रिये नः ॥
May Śrī—resplendent like molten gold,
two–lotus–handed, granting fearlessness and boons,
her other two hands pouring streams of nectar from jeweled pots,
her crown bound with waves of crimson radiance,
clad in spotless silk, anointed with divine fragrance,
lotus–eyed, dwelling upon the chest of Padmanābha—
may that Padmagā (Lotus–born) Śrī bless us with her grace!
Saubhāgya-Lakṣmī Nāma-Mantra Mālā
oṃ
namaḥ śrīyai saubhāgyalakṣmyai
mahālakṣmyai parāyai namaḥ ।
ॐ
नमः श्रीयै सौभाग्यलक्ष्म्यै
महालक्ष्म्यै परायै नमः ।
namaḥ viṣṇu–patnyai
varadāyai
vasu–pradāyai
hiraṇya–rūpāyai
svarṇa–mālinyai namaḥ ।
नमः विष्णु–पत्न्यै
वरदायै
वसु–प्रदायै
हिरण्य–रूपायै
स्वर्ण–मालिन्यै नमः ।
namaḥ rajatā–srajāyai
svarṇa–prabhāyai
svarṇa–prākārāyai
padma–vāsinai
padma–hastāyai
padma–priyāyai namaḥ ।
नमः रजता–स्रजायै
स्वर्ण–प्रभायै
स्वर्ण–प्राकारायै
पद्म–वासिनै
पद्म–हस्तायै
पद्म–प्रियायै नमः ।
namaḥ muktā–laṅkārāyai
candra–sūryāyai
bilva–priyāyai
īśvaryai
bhukti–mukti–vibhūti–ṛddhi–samṛddhi–kṛṣṭi–puṣṭi–dhanadāyai namaḥ ।
नमः मुक्ता–लङ्कारायै
चन्द्र–सूर्यायै
बिल्व–प्रियायै
ईश्वर्यै
भुक्ति–मुक्ति–विभूति–ऋद्धि–समृद्धि–कृष्टि–पुष्टि–धनदायै नमः ।
namaḥ dhaneśvaryai
śraddhāyai bhoginyai
bhogadāyai sāvitrayai
dhātrai vidhātryai namaḥ ।
नमः धनेश्वर्यै
श्रद्धायै भोगिन्यै
भोगदायै सावित्रयै
धात्रै विधात्र्यै नमः ।
namaḥ śrīyai
padmāyai ramāyai kāntyai
trailokya–maṅgalāyai namaḥ ।
नमः श्रीयै
पद्मायै रमायै कान्त्यै
त्रैलोक्य–मङ्गलायै नमः ।
namaḥ sarva–bhūteśvaryai
sarva–saṃpatti–pradāyai
sarva–abhīṣṭa–phalapradāyai namaḥ ।
नमः सर्व–भूतेश्वर्यै
सर्व–संपत्ति–प्रदायै
सर्व–अभीष्ट–फलप्रदायै नमः ।
namaḥ saubhāgya–pradāyai
mokṣa–pradāyai
śānti–dāyai kalyāṇyai
subhadrāyai namaḥ ।
नमः सौभाग्य–प्रदायै
मोक्ष–प्रदायै
शान्ति–दायै
कल्याण्यै सुभद्रायै नमः ।
namaḥ trivarnāyai
icchā–jñāna–kriyā–śakti–traya–mayyai
śuddha–svarṇāyai
hiraṇya–varṇāyai
svarṇa–ābharaṇāyai namaḥ ।
नमः त्रिवर्नायै
इच्छा–ज्ञान–क्रिया–शक्ति–त्रय–मय्यै
शुद्ध–स्वर्णायै
हिरण्य–वर्णायै
स्वर्ण–आभरणायै नमः ।
namaḥ kāruṇyāyai dayāyai
saṃvit–śakti–rūpāyai
śrīyai namaḥ ।
नमः कारुण्यायै
दयायै संवित्–शक्ति–रूपायै
श्रीयै नमः ।
namaḥ lakṣmyai
mahālakṣmyai
parā–lakṣmyai
turīyātītāyai
mahāśaktaye namaḥ ।
नमः लक्ष्म्यै
महालक्ष्म्यै
परा–लक्ष्म्यै
तुरीयातीतायै
महाशक्तये नमः ।
iti śrī saubhāgya–lakṣmī nāma–mantra–mālā sampūrṇā ।
इति श्री सौभाग्य–लक्ष्मी नाम–मन्त्र–माला सम्पूर्णा ।
Saubhāgya Lakṣmī Mantra
oṃ śrīṃ śaṃ śrīlakṣmyai namaḥ
ॐ श्रीं शं श्रीलक्ष्म्यै नमः
It is especially for seekers of Mā Bhagavatī.
Trivarṇā Lakṣmī Mantra
oṃ aiṃ hrīṃ śrīṃ saubhāgyalakṣmyai namaḥ
ॐ ऐं ह्रीं श्रीं सौभाग्यलक्ष्म्यै नमः
It is especially for seekers of Mā Vanadurgā.
Hiraṇyavarṇā Lakṣmī Mantra
oṃ hiraṇyavarṇāyai padmasthāyai sarvamaṅgalālakṣmyai namaḥ
ॐ हिरण्यवर्णायै पद्मस्थायै सर्वमङ्गलालक्ष्म्यै नमः
It is especially for seekers of Mā Sarva Maṅgalā Nārāyaṇī.
Prohibition Declared –
With Vāk Devī as Witness
Let this be heard with full weight:
No Tāntrika of any sampradāya, paddhati, or paramparā
has permission to recite, chant, or even whisper a single akṣara from this mantra.
I take dharma upon myself in full consciousness, and I write this keeping Vāk Devī Herself as Sākṣī.
This is not for siddhi. This is not for tantra.
This is not to be extracted, borrowed, or reinterpreted.
This is bhakti — and bhakti alone.
Śrī Saubhāgya Lakṣmī Nāmavalīḥ
The Cāṇḍikā Mahālakṣmī, the Svarṇa Mahālakṣmī, and the Saubhāgyalakṣmī are all indeed that one Śrī Mahālakṣmī or simply Śrī Lakṣmī in their diverse manifestations.
In the Kolhapur Mahālakṣmī iconography, the Goddess holds a mātuliṅga, symbolizing puṣṭi (nourishing creative power) and saubhāgya (auspicious fortune).
This mātuliṅga is traditionally called:
saubhāgya-phalakam — the fruit of auspicious fortune, held by Śrī Mahālakṣmī.
viṣṇupatnīṃ varadāṃ vasupradāṃ hiraṇyarūpāṃ svarṇamālinīm ।
śrīṃ mahālakṣmīṃ padmālayāṃ padmavāsinyai namaḥ ॥
śrīrūpiṇīṃ śrīkaraṇīṃ śrīvidyāṃ śrīparāṃ parām ।
śāntāṃ kalyāṇinīṃ kāntāṃ kāmadhenuṃ kalātmikām ॥
trivarṇāṃ trividhāṃ śaktiṃ icchājñānakriyāmayīm ।
turīyātītāṃ parāṃ śuddhāṃ saubhāgyalakṣmīṃ bhajē śivām ॥
oṃ śrī viṣṇupatnyai namaḥ ।
oṃ śrī varadāyai namaḥ ।
oṃ śrī vasupradāyai namaḥ ।
oṃ śrī hiraṇyarūpāyai namaḥ ।
oṃ śrī svarṇamālinyai namaḥ ।
oṃ śrī padmālayāyai namaḥ ।
oṃ śrī padmavāsinyai namaḥ ।
oṃ śrī mahālakṣmyai namaḥ ।
oṃ śrī śrīrūpiṇyai namaḥ ।
oṃ śrī śrīkaraṇyai namaḥ ।
oṃ śrī śrīvidyāyai namaḥ ।
oṃ śrī śrīparāyai namaḥ ।
oṃ śrī śāntāyai namaḥ ।
oṃ śrī kalyāṇinyai namaḥ ।
oṃ śrī kāntāyai namaḥ ।
oṃ śrī kāmadhenuve namaḥ ।
oṃ śrī kalātmikāyai namaḥ ।
oṃ śrī trivarṇāyai namaḥ ।
oṃ śrī icchājñānakriyāmayyai namaḥ ।
oṃ śrī turīyātītāyai namaḥ ।
oṃ śrī parāyai namaḥ ।
oṃ śrī śuddhāyai namaḥ ।
oṃ śrī saubhāgyalakṣmyai namaḥ ।
oṃ śrī śivāyai namaḥ ॥
ॐ श्री विष्णुपत्न्यै नमः ।
ॐ श्री वरदायै नमः ।
ॐ श्री वसुप्रदायै नमः ।
ॐ श्री हिरण्यरूपायै नमः ।
ॐ श्री स्वर्णमालिन्यै नमः ।
ॐ श्री पद्मालयायै नमः ।
ॐ श्री पद्मवासिन्यै नमः ।
ॐ श्री महालक्ष्म्यै नमः ।
ॐ श्री श्रीरूपिण्यै नमः ।
ॐ श्री श्रीकरण्यै नमः ।
ॐ श्री श्रीविद्यायै नमः ।
ॐ श्री श्रीपरायै नमः ।
ॐ श्री शान्तायै नमः ।
ॐ श्री कल्याणिन्यै नमः ।
ॐ श्री कान्तायै नमः ।
ॐ श्री कामधेनवे नमः ।
ॐ श्री कालात्मिकायै नमः ।
ॐ श्री त्रिवर्णायै नमः ।
ॐ श्री इच्छाज्ञानक्रियामय्यै नमः ।
ॐ श्री तुरीयातीतायै नमः ।
ॐ श्री परायै नमः ।
ॐ श्री शुद्धायै नमः ।
ॐ श्री सौभाग्यलक्ष्म्यै नमः ।
ॐ श्री शिवायै नमः ॥
In the Saubhāgya–Lakṣmī–Upaniṣat, the Goddess is praised through innumerable epithets that reveal Her manifold functions — from cosmic motherhood to the finest pulse of inner bliss. Each name is a vibration (nāda) corresponding to a power (śakti).
Ātmārpaṇa Mantra
oṃ namo mahālakṣmyai
saubhāgyalakṣmyai parāyai namaḥ ।
tvameva śaktiḥ śrīḥ śāntiḥ
satyaṃ saundaryaṃ śivaṃ
mama hṛdaye vasatu ॥
ॐ नमो महालक्ष्म्यै
सौभाग्यलक्ष्म्यै परायै नमः ।
त्वमेव शक्तिः श्रीः शान्तिः
सत्यं सौन्दर्यं शिवं
मम हृदये वसतु ॥
A complete inner offering to the Saubhāgya–Lakṣmī dwelling within the heart, the synthesis of beauty, truth, and bliss.
