धनवंतमदातारं दरिद्रं वाऽतपस्विनम् । उभावंभसि मोक्तव्यौ कंठे बद्धा महाशिलाम्
dhanavaṃtamadātāraṃ daridraṃ vā'tapasvinam | ubhāvaṃbhasi moktavyau kaṃṭhe baddhā mahāśilām
ധനവാനായിട്ടും ദാനം ചെയ്യാത്തവനും, ദരിദ്രനായിട്ടും തപസ്സു ചെയ്യാത്തവനും—ഇരുവരെയും കഴുത്തിൽ വലിയ കല്ല് കെട്ടി വെള്ളത്തിൽ എറിയേണ്ടവരെന്നു പറയുന്നു.
Sūta (Lomaharṣaṇa) addressing the sages (deduced from Māheśvarakhaṇḍa convention)
Type: river (symbolic)
Scene: An allegorical judgment scene at a riverbank: a rich miser clutching coins and a poor man lounging without discipline; both are shown with a heavy stone tied at the neck, about to be cast into dark waters—symbolizing moral sinking.
Each person has a dharmic duty: the wealthy should give, and the poor should cultivate tapas; neglect of one’s capacity-bound duty is censured.
No tīrtha is mentioned; it is a forceful ethical statement within the charity discourse.
Prescribes dāna for the wealthy and tapas (austerity/discipline) for those without wealth.