According to Hinduism, Nav Nidhi relates to riches or abundance. It is believed that Lord Hanuman was granted the Nine Nav Nidhis alongside Eight Siddhis as a gift from Sita, Ram’s wife. From all the 9 Nav Nidhis, Lord Kuber keeps nine of them and they are recognized as his own. Similarly, Nav Nidhi is equal to assets and can be used to compare and measure against other Nav Nidhi. In order to access such great wealth, one is required to practice spiritual activities regularly and profoundly so as to be rewarded with such abundance.

nine nav nidhis

These Nine Nav Nidhis are:

  1. Padma
  2. Mahapadma
  3. Nila
  4. Shankha
  5. Makara
  6. Kachhapa
  7. Mukunda
  8. Nand
  9. Kharva

The Nine Nav Nidhis can be used to increase one’s wealth and prosperity in life. It is believed that these 9 Nav Nidhi are a source of immense power and energy that can be used to bring about success in all aspects of life.

(1) – Padma (Lotus)

Padma is a type of lotus flower and is referred to as a Nav Nidhi, a spiritual energy that remains with an individual through successive re-births. It is believed to have been earned as a result of living a life with a high proportion of Sattva Guna, which is described as primarily consisting of truth, purity, cleanliness and ethics.

Those with Padma Nav Nidhi tend to own wealth that comes in the form of gold and silver and is viewed as Sattvik, which can be passed down to successive generations. Additionally, those with Padma Nidhi are known to be generous with charitable donations.

It is believed that the lotus flower blooms in dirt and muck, but its roots stay pure and clean. The Padma Nav Nidhi is believed to help an individual stay rooted in ethical living and purity.

(2) – Mahapadma (Big Lotus)

Mahapadma is one of the Nine Nav Nidhis (treasures) of Lord Kuber. It is believed to be a source of great wealth and prosperity. Mahapadma has been described as having a beautiful golden hue and is said to possess immense power.

According to Hindu mythology, it was gifted to Lord Hanuman by Sita, Ram’s wife. It is believed that Mahapadma can be used to bring about success in all aspects of life.

Padma Nidhi is a Sattvik concept, with the word maha meaning “large” or “huge” – like a big lotus. Mahapad Nav Nidhi, similarly, is a Sattvik concept, but offers its blessings to only the next seven generations. This Nidhi encourages individuals to be generous and to share their wealth.

(3) – Nila (Sapphire)

This Nila Nav Nidhi consists of Sapphire or gemstones and is endowed with both Sattva and Rajas gunas. Rajas is the quality of ardour. Normally, these kinds of possessions are acquired through commercial activities or trading.

Nila Nav Nidhi can be passed down for three successive generations. Although the prosperity achieved is commendable, due to the inclusion of Rajas, a component of cunning can also be seen in the acquisition of wealth.

Therefore, the maintenance of this wealth should also be done with prudence, as the Rajas component of this wealth can also result in negative consequences. Nila Nav Nidhi is a symbol for wealth, but it also portrays that wealth is not everything, but it is just a means to an end.

(4) – Shankha ( Conch Shell )

A conch shell is symbolic of a person who is considered to be very selfish. This person is known for generating immense wealth, however, they only use it for their own wellbeing and not for anyone else, not even their family.

Conch shells are often associated with wealth and prosperity, and they are believed to bring good luck and good fortune to those who have them in their possession.

Shankha are thought to have the power to repel evil spirits and lend a helping hand to those who are considered to be less fortunate. Moreover, these shells are also believed to be able to bring wealth and prosperity to anyone in its presence.

(5) – Makara (Crocrodile)

Makara Nav Nidhi, represented by the crocodile, is ruled by Tamas Guna, a quality of sluggishness, darkness, and dullness. Individuals with this Nav Nidhi are known for amassing arms and ammunition.

As Tamas is in charge here, the person emanates dark or wicked attributes, and meddles with authoritative powers or leadership. People with Makara Nav Nidhi also perish by weapons. They are good with physical strength but have no mental strength. They are not at peace with themselves and always feel the need to be in conflict with others.

They accumulate physical wealth, but they do not accumulate mental wealth. They are totally unaware of their own worth and value, so they constantly need validation from others. They are greedy and have no control over their desires. They are controlled by their desires.

(6) – Kachhapa (Tortoise)

Kachhapa is a word which is synonymous with tortoise. Just like this creature, someone with this Nav Nidhi amasses a considerable sum of money but holds onto it tightly instead of utilizing it.

Generally, this individual is a skinflint who hardly ever utilizes his money even on himself. He might be a miser, someone who is very stingy with his money or someone who is just too scared to lose his money and so chooses to keep it under a mattress or in a bank locker.

This word is used in the same way as the English word “turtle”. The difference in pronunciation is due to the fact that the word “turtle” is pronounced with a slight ‘th’ sound at the start whereas “Kachhapa” does not have this sound.

(7) – Mukunda (Cinnabar or Quicksilver)

Mukund is connected to cinnabar or quicksilver and is governed by Rajas guna. This Nav Nidhi remains with a person for a single generation. Due to the lack of Sattva, which is a form of honesty, people with this Nav Nidhi are said to have been unexpectedly blessed with wealth which they end up completely utilizing in their lifetime.

People with Mukunda Nav Nidhi usually receive sudden wealth or unexpected financial help from others. This can be in the form of inheritance from a family member, winning a lottery, financial assistance from a friend, receiving a gift from a wealthy person, a business venture turning profitable, unexpected financial help from a person who was already financially secure, etc.

The wealth received by people with this Nav Nidhi can be utilized in two ways, either in the form of savings which is a slow but sure way to accumulate wealth or in the form of spending which results in a quicker but less certain way of getting rid of wealth.

(8) – Nand (Joy or Delight)

Nand Nav Nidhi t is evinced through pleasure and cheerfulness and is impacted by both the Sattva and Rajas guna. Those with this valuable asset are thought to possess a lengthy lifespan. They generally have a powerful craving for success and keep advancing in life. However, these individuals consistently long for appreciation and require to be complimented.

They tend to be very sensitive and can easily be hurt by negative words. Content people are in an almost constant state of happiness and are often smiling. They are kind and generous, but also have a realistic view of the world and its challenges. They are often calm, thoughtful, and quiet and very sensitive to criticism.

When rajas are in control, the person will be very active, restless, and ever-moving. They will be quick to anger and likely to jump to conclusions. When sattva is in control, the person will be very relaxed and calm. They will be very good at self-analysis and often very good at thinking and analyzing. They will tend to be very thoughtful, creative, and intuitive but also slow to act.

(9) – Kharva (Countless)

The term Kharva symbolizes the concept of countless cups and is a combination of all the other eight Nav Nidhis in minuscule amounts. People who possess a Kharva Nidhi are very crafty and always searching for ways to increase their riches by taking it from other people and enhancing their own opulence.

They never hesitate to take any shortcut to make themselves wealthier. They are very greedy and cunning, and if required, they won’t shy away from backstabbing their friends for their own benefit. Due to their cunning nature, they always have a plan B.

Kharvas are very calculative and always think about their next move. They are always in search of new opportunities to earn more money. As a result, they often neglect their family and friends and are always engrossed in their own thoughts. They are good advisors and they always think of new ways to increase the wealth of their clients.