Last updated: 11 November 2026 · Written by the RudraGram team · Sources: Rin Mochan Mangal Stotra (Skanda Purana tradition), Rinharta Ganesh Stotram (Krishna Yamala Tantra tradition), Navagraha mantra tradition
Quick answer: The most widely chanted karz mukti mantra is the Mangal beej mantra, ॐ क्रां क्रीं क्रौं सः भौमाय नमः, chanted 108 times on Tuesdays. It is usually paired with the Rin Mochan Mangal Stotra, Lord Hanuman's mantra, and the Rinharta Ganesh mantra on Wednesdays. Below are six traditional mantras, what each one is for, and a simple 21-Tuesday practice that pairs every chant with one small practical step — the union of bhakti and karma that the tradition teaches.
संक्षेप में (हिंदी): कर्ज़ मुक्ति का सबसे प्रचलित मंत्र मंगल देव का बीज मंत्र है — “ॐ क्रां क्रीं क्रौं सः भौमाय नमः”, जिसका मंगलवार को 108 बार जाप किया जाता है। साथ में ऋण मोचन मंगल स्तोत्र, “ॐ हं हनुमते नमः” और बुधवार को ऋणहर्ता गणेश मंत्र “ॐ गणेश ऋणं छिन्धि वरेण्यं हुं नमः फट्” का जाप करें। 21 मंगलवार तक हर जाप के बाद कर्ज़ चुकाने का एक छोटा कदम ज़रूर उठाएँ।
What steady chanting brings
In the experience of countless households, regular mantra japa brings calm where there was worry, courage where there was fear, and clarity where there was confusion. A calm, courageous mind makes the decisions that bring karz mukti closer — and Mangal, the giver of energy, blesses those who act.
You can begin today. All you need is a quiet corner, a diya, and a mala — a Rudraksha mala is traditional for Mangal and Hanuman mantras.
The six karz mukti mantras
| Mantra | Deity | Day | Traditionally chanted for |
|---|---|---|---|
| Om Kraam Kreem Kraum Sah Bhaumaya Namah | Mangal | Tuesday | Release from debt; courage to act |
| Om Ang Angarakaya Namah | Mangal | Tuesday | A shorter Mangal mantra for daily use |
| Rin Mochan Stotra, verse 4 | Mangal (Kuja) | Tuesday | The phala-shruti of the debt-release stotra |
| Om Han Hanumate Namah | Lord Hanuman | Tuesday, Saturday | Fearlessness, endurance, protection |
| Om Ganesh Rinam Chhindi Varenyam Hum Namah Phat | Rinharta Ganesh | Wednesday | Cutting through debt; clear judgement |
| Om Shreem Mahalakshmyai Namah | Maa Lakshmi | Friday | Steady, rightly earned prosperity |
1. Mangal Beej Mantra
ॐ क्रां क्रीं क्रौं सः भौमाय नमः॥
Om Kraam Kreem Kraum Sah Bhaumaya Namah
This is the beej (seed) mantra of Mangal, also called Bhauma — "son of Bhumi", the Earth. Mangal is the graha of energy and decisive action, praised as Rinharta in the Rin Mochan Stotra. Chant it 108 times on Tuesday morning, after bathing and facing east. Take a little time over the pronunciation at first, and let the rhythm settle.
2. Angaraka Mantra
ॐ अं अंगारकाय नमः॥
Om Ang Angarakaya Namah
Angaraka — "the glowing one" — is another name of Mangal. This shorter mantra is ideal for beginners and for daily chanting. Many devotees repeat it quietly before an important call or meeting about money, to steady the mind.
3. The phala-shruti of the Rin Mochan Mangal Stotra
एतानि कुजनामानि नित्यं यः श्रद्धया पठेत्।
ऋणं न जायते तस्य धनं शीघ्रमवाप्नुयात्॥
This verse follows the stotra's list of Mangal's names. It says that one who recites these names of Kuja daily, with faith, is freed from debt and soon gains wealth. The key words are nityam (daily) and shraddhaya (with faith) — the blessing flows to steady, faithful practice. The complete Rin Mochan Mangal Stotram takes only a few minutes and is the heart of the Tuesday practice.
4. Hanuman Mantra
ॐ हं हनुमते नमः॥
Om Han Hanumate Namah
Lord Hanuman is the presiding deity of Mangal, which is why Tuesday belongs to both. When worry about debt is at its strongest, this is the mantra devotees return to for strength and protection. Pair it with the Hanuman Chalisa or the Sankat Mochan Hanuman Ashtak on Tuesdays and Saturdays.
5. Rinharta Ganesh Mantra
ॐ गणेश ऋणं छिन्धि वरेण्यं हुं नमः फट्॥
Om Ganesh Rinam Chhindi Varenyam Hum Namah Phat
"O Ganesha, most worthy one — cut through my debt." This is the mantra at the centre of the Rinharta Ganesh Stotram, traditionally chanted on Wednesdays and on Sankashti Chaturthi. Ganesha is the lord of buddhi; pray for the clarity to make wise financial decisions as well as for relief itself.
6. Mahalakshmi Mantra
ॐ श्रीं महालक्ष्म्यै नमः॥
Om Shreem Mahalakshmyai Namah
Lakshmi is prayed to for sthir (steady) prosperity — wealth that stays in the home. Many families add this mantra on Fridays as the debt comes under control, so that the household moves from karz mukti into lasting abundance.
A simple 21-Tuesday practice: one mantra, one step
The Rinharta Ganesh tradition itself suggests ending each prayer by choosing one practical step. We have turned that into a simple weekly routine of about 20 minutes.
- Sankalp. On the first Tuesday, sit before a diya and state your intention clearly: "For 21 Tuesdays I will keep this practice, and with Mangal's blessing I will clear my debts."
- Mangal beej mantra — 108 times.
- Rin Mochan Mangal Stotra — once, slowly.
- Hanuman Chalisa — once.
- One practical step, the same morning. Choose one: update your list of debts; call one lender; pay something towards the highest-interest loan; cancel one unnecessary expense; share the plan with a family member.
- Close with a pranam and a moment of gratitude.
On Wednesdays, add the Rinharta Ganesh mantra 108 times. After 21 Tuesdays, look back at the list you made on the first day — devotees are often surprised by how far 21 blessed steps have carried them.
For the practical side — paying in the right order, talking to lenders, your rights with recovery agents — read our full guide to karz mukti ke upay.
Which mala to use
A Rudraksha mala is traditionally used for Hanuman and Mangal mantras, and a Kamal Gatta (lotus seed) mala for Lakshmi mantras. Any mala you already own is perfectly fine, and you can also count on the joints of your fingers.
Many devotees also wear the Karz Mukti Kavach — the 3 Mukhi (Mangal) and 11 Mukhi (Hanuman) beads together — to keep the blessing of the Tuesday practice close to the heart through the week. Choose it when it fits comfortably within your budget. To see how it compares with 7 Mukhi or 7 + 10 Mukhi, read which Rudraksha is best for karz mukti.
Frequently asked questions
Which mantra is best for karz mukti?
The Mangal beej mantra (Om Kraam Kreem Kraum Sah Bhaumaya Namah) together with the Rin Mochan Mangal Stotra is the most traditional combination. Om Ang Angarakaya Namah and Om Han Hanumate Namah are simpler and equally powerful when chanted with devotion.
How many times should I chant a karz mukti mantra?
108 times (one mala) on the deity's day is the usual practice. Regularity matters most — 108 every Tuesday is better than 1,008 once.
Can women chant these mantras?
Yes. These mantras are chanted by men and women alike. If your family follows a particular guru or sampradaya, follow their guidance.
Do I need diksha to chant beej mantras?
Some traditions recommend initiation for beej mantras, while many households chant the Mangal beej mantra without it. If you prefer, begin with Om Ang Angarakaya Namah, the Rin Mochan Stotra and the Hanuman Chalisa, which are recited freely by all.
How soon will I see results?
Tradition gives no fixed timeline; the blessing grows with consistency. Keep the practice for 21 Tuesdays alongside your practical steps, and notice how both your situation and your state of mind change.
If the stress of debt ever feels like too much to carry, please speak to someone. Tele-MANAS (14416) is the Government of India's free, 24×7 helpline, available in many Indian languages.
The mantras and practices described here reflect traditional devotional beliefs. Individual experiences vary, and they are not a substitute for financial advice.