धनवंतमदातारं दरिद्रं वाऽतपस्विनम् । उभावंभसि मोक्तव्यौ कंठे बद्धा महाशिलाम्
dhanavaṃtamadātāraṃ daridraṃ vā'tapasvinam | ubhāvaṃbhasi moktavyau kaṃṭhe baddhā mahāśilām
செல்வமுள்ளும் தானம் செய்யாதவன், வறியவனாகியும் தவம் செய்யாதவன்—இருவரும் கழுத்தில் பெரிய கல்லைக் கட்டி நீரில் எறியத் தக்கவர்கள் எனக் கூறப்பட்டது.
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.