“Om Ganesha Rinam Chhindhi Varenyam Hum Namaha Phat” is a powerful mantra dedicated to Lord Ganesha, the remover of obstacles. It is specifically known as the Runa Harana Ganapati Mantra or Rinharta Ganesha Mantra, which is chanted to seek relief from debts (both financial and karmic).

Here’s a breakdown of the mantra’s meaning:

  • Om (ॐ): The universal sacred sound, representing the ultimate reality.
  • Ganesha (गणेश): Invokes Lord Ganesha, the deity of wisdom, prosperity, and the remover of obstacles.
  • Rinam (ऋणं): Means “debt.”
  • Chhindhi (छिन्धि): Means “to cut” or “to destroy.”
  • Varenyam (वरेण्यं): Means “most excellent” or “most worthy of worship.”
  • Hum (हुं): A bija (seed) mantra that enhances the power of the mantra to remove negative energies.
  • Namaha (नमः): Means “I bow” or “I honor.”
  • Phat (फट्): A powerful bija sound used to break through obstacles and negativity forcefully.

Full Meaning:

“O Lord Ganesha, the most excellent and worthy of worship, I bow to you. Please cut off my debts. With your divine power, destroy all obstacles and negativity.”

Benefits of Chanting this Mantra:

  • Debt Relief: This is the primary benefit of the mantra. It is believed to help in clearing financial debts and burdens.
  • Karmic Cleansing: It is also said to help in removing unseen karmic debts that may be causing obstacles in one’s life.
  • Obstacle Removal: As with all Ganesha mantras, it helps in clearing hurdles in personal, professional, and financial life.
  • Inner Strength and Positivity: The mantra is believed to energize the mind with positivity, courage, and the willpower to make sound financial decisions.
  • Spiritual Growth: It connects the devotee with the divine grace of Lord Ganesha, fostering spiritual growth.

This mantra is often chanted as part of the Runa Harana Ganapati Stotram, a hymn dedicated to Lord Ganesha for the removal of debts. Chanting it with faith and devotion is believed to bring relief from financial difficulties and lead to prosperity.