Nīti for Calamity, Wealth, Friendship, Charity, and Restraint of Kāma
सञ्चितं क्रतुशतैर्न युज्यते याचितं गुणवते न दीयते / तत्कदर्यपरिरक्षितं धनं चोरपार्थिवगृहे प्रयुज्यते
sañcitaṃ kratuśatairna yujyate yācitaṃ guṇavate na dīyate / tatkadaryaparirakṣitaṃ dhanaṃ corapārthivagṛhe prayujyate
ทรัพย์ที่สั่งสมไว้ไม่ถูกใช้แม้เพื่อยัญญะนับร้อย; เมื่อผู้มีคุณธรรมขอ ก็ไม่ยอมให้. ทรัพย์ที่หวงแหนด้วยความตระหนี่นั้น สุดท้ายกลับถูกใช้ในเรือนโจรหรือเรือนพระราชา
Lord Viṣṇu (in instruction to Garuḍa / Vinatā-putra)
Concept: Wealth hoarded and withheld from worthy recipients is not truly ‘possessed’; it will be diverted to thieves or state exactions.
Vedantic Theme: Anityatā of possessions; aparigraha/tyāga as purification; artha subordinated to dharma.
Application: Allocate wealth to dharmic ends (charity, sacrifice/ritual duty, community welfare); avoid hoarding beyond need.
Primary Rasa: shanta
Secondary Rasa: karuna
Type: ethical discourse (general human world)
Related Themes: Garuda Purana: artha-dharma discussions and dāna-prasaṃsā in Pretakalpa-related moral sections
This verse teaches that wealth gains meaning when used for dharmic purposes—supporting the worthy and sacred acts—otherwise it is wasted and ultimately taken away.
By warning against miserliness, it implies that unused wealth does not aid one’s spiritual progress; dharmic giving supports merit (puṇya) that accompanies the soul, unlike hoarded money.
Don’t hoard resources out of fear—regularly allocate earnings to charity, community support, and meaningful duties, so wealth becomes merit rather than a cause of regret and loss.