Relief From Debt - Runa Hartru Ganapathy

Is initiation necessary to listen to this mantra?

No. Initiation is required only if you want to do mantra sadhana, not for listening. You just have to listen to the mantras we provide to get benefited.

ॐ ऋणहर्त्रे नमः
ॐ ऋणमोचनाय नमः
ॐ ऋणभञ्जनाय नमः
ॐ ऋणदावानलाय नमः
ॐ ऋणविदारणाय नमः
ॐ ऋणान्तकाय नमः
ॐ ऋणभेदनाय नमः
ॐ ऋणपाशविमोचनाय नमः
ॐ ऋणदारिद्र्यनाशकाय नमः
ॐ ऋणसंहारकाय नमः
ॐ ऋणमुक्तिदाय नमः
ॐ ऋणविमर्दनाय नमः
ॐ ऋणशोकहारिणे नमः
ॐ ऋणच्युतिकराय नमः
ॐ ऋणत्रयविमोचकाय नमः
ॐ ऋणपञ्चविमोचकाय नमः
ॐ ऋणग्रस्तसमाश्वासाय नमः
ॐ ऋणिनां सुहृदे नमः
ॐ ऋणिनां भयापहाय नमः
ॐ ऋणिनां रक्षाकराय नमः
ॐ ऋणसागरतारणाय नमः
ॐ ऋणदुःखभञ्जनकारकाय नमः
ॐ ऋणप्रहर्त्रे नमः
ॐ ऋणविध्वंसिने नमः
ॐ ऋणनियामकाय नमः
ॐ ऋणनियन्त्रकाय नमः
ॐ ऋणिनां अभयप्रदाय नमः
ॐ ऋणिनां काराबन्धमोक्षदाय नमः
ॐ ऋणकाननच्छेत्रे नमः
ॐ ऋणमोचनार्थं पूजिताय नमः
ॐ ऋणिभिः प्रपूजिताय नमः
ॐ ऋणापहारकाय नमः
ॐ ऋणिनां कामदाय मणये नमः
ॐ पितृऋणमोचकाय नमः
ॐ देवऋणमोचकाय नमः
ॐ ऋषिऋणमोचकाय नमः
ॐ भूतऋणमोचकाय नमः
ॐ मनुष्यऋणमोचकाय नमः
ॐ बन्धुऋणमोचकाय नमः
ॐ गृहऋणमोचकाय नमः
ॐ वाहनऋणमोचकाय नमः
ॐ कार्षिकऋणमोचकाय नमः
ॐ पठनऋणमोचकाय नमः
ॐ वृत्तिऋणमोचकाय नमः
ॐ चिकित्साऋणमोचकाय नमः
ॐ वाणिज्यऋणमोचकाय नमः
ॐ सर्वऋणमोचकाय नमः
ॐ सिन्दूरवर्णाय ऋणहर्तृगणपतये नमः
ॐ द्विभुजाय ऋणहर्तृगणपतये नमः
ॐ पद्मदले निविष्टाय ऋणहर्तृगणपतये नमः
ॐ ब्रह्मादिदेवैः परिसेव्यमानाय ऋणहर्तृगणपतये नमः
ॐ सिद्धैर्युताय ऋणहर्तृगणपतये नमः
ॐ पार्वतीपुत्राय ऋणहर्तृगणपतये नमः
ॐ सुमुखाय ऋणहर्तृगणपतये नमः
ॐ एकदन्ताय ऋणहर्तृगणपतये नमः
ॐ कपिलाय ऋणहर्तृगणपतये नमः
ॐ गजकर्णकाय ऋणहर्तृगणपतये नमः
ॐ लम्बोदराय ऋणहर्तृगणपतये नमः
ॐ विकटाय ऋणहर्तृगणपतये नमः
ॐ विघ्नराजाय ऋणहर्तृगणपतये नमः
ॐ विनायकाय ऋणहर्तृगणपतये नमः
ॐ धूम्रकेतवे ऋणहर्तृगणपतये नमः
ॐ गणाध्यक्षाय ऋणहर्तृगणपतये नमः
ॐ भालचन्द्राय ऋणहर्तृगणपतये नमः
ॐ गजाननाय ऋणहर्तृगणपतये नमः
ॐ निर्विघ्नरूपाय ऋणहर्तृगणपतये नमः
ॐ विनायकाय ऋणहर्तृगणपतये नमः
ॐ वीराय ऋणहर्तृगणपतये नमः
ॐ शूराय ऋणहर्तृगणपतये नमः
ॐ वरदाय ऋणहर्तृगणपतये नमः
ॐ हस्तिमुखाय ऋणहर्तृगणपतये नमः

om ri'nahartre namah'
om ri'namochanaaya namah'
om ri'nabhanjanaaya namah'
om ri'nadaavaanalaaya namah'
om ri'navidaaranaaya namah'
om ri'naantakaaya namah'
om ri'nabhedanaaya namah'
om ri'napaashavimochanaaya namah'
om ri'nadaaridryanaashakaaya namah'
om ri'nasamhaarakaaya namah'
om ri'namuktidaaya namah'
om ri'navimardanaaya namah'
om ri'nashokahaarine namah'
om ri'nachyutikaraaya namah'
om ri'natrayavimochakaaya namah'
om ri'napanchavimochakaaya namah'
om ri'nagrastasamaashvaasaaya namah'
om ri'ninaam suhri'de namah'
om ri'ninaam bhayaapahaaya namah'
om ri'ninaam rakshaakaraaya namah'
om ri'nasaagarataaranaaya namah'
om ri'naduh'khabhanjanakaarakaaya namah'
om ri'naprahartre namah'
om ri'navidhvamsine namah'
om ri'naniyaamakaaya namah'
om ri'naniyantrakaaya namah'
om ri'ninaam abhayapradaaya namah'
om ri'ninaam kaaraabandhamokshadaaya namah'
om ri'nakaananachchhetre namah'
om ri'namochanaartham poojitaaya namah'
om ri'nibhih' prapoojitaaya namah'
om ri'naapahaarakaaya namah'
om ri'ninaam kaamadaaya manaye namah'
om pitri'ri'namochakaaya namah'
om devari'namochakaaya namah'
om ri'shiri'namochakaaya namah'
om bhootari'namochakaaya namah'
om manushyari'namochakaaya namah'
om bandhuri'namochakaaya namah'
om gri'hari'namochakaaya namah'
om vaahanari'namochakaaya namah'
om kaarshikari'namochakaaya namah'
om pat'hanari'namochakaaya namah'
om vri'ttiri'namochakaaya namah'
om chikitsaari'namochakaaya namah'
om vaanijyari'namochakaaya namah'
om sarvari'namochakaaya namah'
om sindooravarnaaya ri'nahartri'ganapataye namah'
om dvibhujaaya ri'nahartri'ganapataye namah'
om padmadale nivisht'aaya ri'nahartri'ganapataye namah'
om brahmaadidevaih' parisevyamaanaaya ri'nahartri'ganapataye namah'
om siddhairyutaaya ri'nahartri'ganapataye namah'
om paarvateeputraaya ri'nahartri'ganapataye namah'
om sumukhaaya ri'nahartri'ganapataye namah'
om ekadantaaya ri'nahartri'ganapataye namah'
om kapilaaya ri'nahartri'ganapataye namah'
om gajakarnakaaya ri'nahartri'ganapataye namah'
om lambodaraaya ri'nahartri'ganapataye namah'
om vikat'aaya ri'nahartri'ganapataye namah'
om vighnaraajaaya ri'nahartri'ganapataye namah'
om vinaayakaaya ri'nahartri'ganapataye namah'
om dhoomraketave ri'nahartri'ganapataye namah'
om ganaadhyakshaaya ri'nahartri'ganapataye namah'
om bhaalachandraaya ri'nahartri'ganapataye namah'
om gajaananaaya ri'nahartri'ganapataye namah'
om nirvighnaroopaaya ri'nahartri'ganapataye namah'
om vinaayakaaya ri'nahartri'ganapataye namah'
om veeraaya ri'nahartri'ganapataye namah'
om shooraaya ri'nahartri'ganapataye namah'
om varadaaya ri'nahartri'ganapataye namah'
om hastimukhaaya ri'nahartri'ganapataye namah'

1. ॐ ऋणहर्त्रे नमः - Salutations to the remover of debts
   2. ॐ ऋणमोचनाय नमः - Salutations to the liberator from debts
   3. ॐ ऋणभञ्जनाय नमः - Salutations to the destroyer of debts
   4. ॐ ऋणदावानलाय नमः - Salutations to the wildfire that burns debts
   5. ॐ ऋणविदारणाय नमः - Salutations to the one who tears apart debts
   6. ॐ ऋणान्तकाय नमः - Salutations to the one who puts an end to debts
   7. ॐ ऋणभेदनाय नमः - Salutations to the one who breaks debts
   8. ॐ ऋणपाशविमोचनाय नमः - Salutations to the one who frees from the bondage of debts
   9. ॐ ऋणदारिद्र्यनाशकाय नमः - Salutations to the destroyer of debt and poverty
   10. ॐ ऋणसंहारकाय नमः - Salutations to the annihilator of debts
   11. ॐ ऋणमुक्तिदाय नमः - Salutations to the giver of debt relief
   12. ॐ ऋणविमर्दनाय नमः - Salutations to the one who crushes debts
   13. ॐ ऋणशोकहारिणे नमः - Salutations to the remover of sorrow caused by debts
   14. ॐ ऋणच्युतिकराय नमः - Salutations to the one who removes the burden of debts
   15. ॐ ऋणत्रयविमोचकाय नमः - Salutations to the liberator from three kinds of debts
   16. ॐ ऋणपञ्चविमोचकाय नमः - Salutations to the liberator from five kinds of debts
   17. ॐ ऋणग्रस्तसमाश्वासाय नमः - Salutations to the one who gives solace to those burdened by debts
   18. ॐ ऋणिनां सुहृदे नमः - Salutations to the friend of debt-ridden people
   19. ॐ ऋणिनां भयापहाय नमः - Salutations to the remover of fear of debtors
   20. ॐ ऋणिनां रक्षाकराय नमः - Salutations to the protector of debtors
   21. ॐ ऋणसागरतारणाय नमः - Salutations to the one who helps cross the ocean of debts
   22. ॐ ऋणदुःखभञ्जनकारकाय नमः - Salutations to the one who destroys the misery of debts
   23. ॐ ऋणप्रहर्त्रे नमः - Salutations to the one who strikes down debts
   24. ॐ ऋणविध्वंसिने नमः - Salutations to the one who completely destroys debts
   25. ॐ ऋणनियामकाय नमः - Salutations to the controller of debts
   26. ॐ ऋणनियन्त्रकाय नमः - Salutations to the restrainer of debts
   27. ॐ ऋणिनां अभयप्रदाय नमः - Salutations to the giver of fearlessness to debtors
   28. ॐ ऋणिनां काराबन्धमोक्षदाय नमः - Salutations to the one who frees debtors from imprisonment
   29. ॐ ऋणकाननच्छेत्रे नमः - Salutations to the one who clears the dense forest of debts
   30. ॐ ऋणमोचनार्थं पूजिताय नमः - Salutations to the one worshipped for debt relief
   31. ॐ ऋणिभिः प्रपूजिताय नमः - Salutations to the one revered by debt-ridden people
   32. ॐ ऋणापहारकाय नमः - Salutations to the remover of debts
   33. ॐ ऋणिनां कामदाय मणये नमः - Salutations to the gem that fulfills the desires of debtors
   34. ॐ पितृऋणमोचकाय नमः - Salutations to the one who frees from ancestral debts
   35. ॐ देवऋणमोचकाय नमः - Salutations to the one who frees from divine debts
   36. ॐ ऋषिऋणमोचकाय नमः - Salutations to the one who frees from sages' debts
   37. ॐ भूतऋणमोचकाय नमः - Salutations to the one who frees from debts to beings
   38. ॐ मनुष्यऋणमोचकाय नमः - Salutations to the one who frees from human debts
   39. ॐ बन्धुऋणमोचकाय नमः - Salutations to the one who frees from debts to relatives
   40. ॐ गृहऋणमोचकाय नमः - Salutations to the one who frees from house loans
   41. ॐ वाहनऋणमोचकाय नमः - Salutations to the one who frees from vehicle loans
   42. ॐ कार्षिकऋणमोचकाय नमः - Salutations to the one who frees from agricultural debts
   43. ॐ पठनऋणमोचकाय नमः - Salutations to the one who frees from education loans
   44. ॐ वृत्तिऋणमोचकाय नमः - Salutations to the one who frees from livelihood debts
   45. ॐ चिकित्साऋणमोचकाय नमः - Salutations to the one who frees from medical debts
   46. ॐ वाणिज्यऋणमोचकाय नमः - Salutations to the one who frees from business debts
   47. ॐ सर्वऋणमोचकाय नमः - Salutations to the one who frees from all debts
   48. ॐ सिन्दूरवर्णाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is vermilion-colored
   49. ॐ द्विभुजाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has two arms
   50. ॐ पद्मदले निविष्टाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is seated on a lotus petal
   51. ॐ ब्रह्मादिदेवैः परिसेव्यमानाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is worshipped by Brahma and other gods
   52. ॐ सिद्धैर्युताय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is surrounded by Siddhas
   53. ॐ पार्वतीपुत्राय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, the son of Parvati
   54. ॐ सुमुखाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has a beautiful face
   55. ॐ एकदन्ताय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has one tusk
   56. ॐ कपिलाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is reddish-brown in color
   57. ॐ गजकर्णकाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has elephant-like ears
   58. ॐ लम्बोदराय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has a large belly
   59. ॐ विकटाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has a fierce form
   60. ॐ विघ्नराजाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, the king of obstacles
   61. ॐ विनायकाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, the leader of all
   62. ॐ धूम्रकेतवे ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has a smoky complexion
   63. ॐ गणाध्यक्षाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, the chief of Ganas
   64. ॐ भालचन्द्राय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who wears the moon on his forehead
   65. ॐ गजाननाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has an elephant face
   66. ॐ निर्विघ्नरूपाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is free from obstacles
   67. ॐ वीराय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is courageous
   68. ॐ शूराय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who is valiant
   69. ॐ वरदाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who grants boons
   70. ॐ हस्तिमुखाय ऋणहर्तृगणपतये नमः - Salutations to ऋणहर्तृ गणपति, who has the face of an elephant

Listening to these powerful  mantras helps remove financial burdens, eliminate debts, and bring prosperity. These mantras invoke गणपति, the remover of obstacles, ensuring freedom from monetary struggles and poverty. They grant mental peace, reduce anxiety related to loans, and provide clarity in financial decisions. Chanting or listening to these mantras regularly attracts abundance, success in business, and stability in earnings. They also offer protection from legal troubles, imprisonment due to debts, and negative influences that cause financial distress. These mantras free one from ancestral, divine, and personal debts, ensuring spiritual progress and overall well-being. By listening with devotion, one experiences relief from financial stress, gains confidence, and receives divine blessings for a prosperous life.

Ramaswamy Sastry and Vighnesh Ghanapaathi