Nidhi-kaṇḍa-sutta Gāthā
Verses from the Discourse on the Reserve Fund

Nidhiṁ nidheti puriso

Gambhīre udakantike.

Atthe kicce samuppanne

Atthāya me bhavissati

Rājato vā duruttassa

Corato pīḷitassa vā

Iṇassa vā pamokkhāya

Dubbhikkhe āpadāsu vā.

Etad-atthāya lokasmiṁ

Nidhi nāma nidhīyati.

A person stashes a fund away, deep underground, at the water line:

“When a need or duty arises, this will provide for my needs,

for my release if I’m denounced by the king, molested by thieves,

in case of debt, famine, or accidents.”

With aims like this in the world a reserve fund is stashed away.

Tāvassunihito santo

Gambhīre udakantike

Na sabbo sabbadāyeva

Tassa taṁ upakappati.

Nidhi vā ṭhānā cavati

Saññā vāssa vimuyhati

Nāgā vā apanāmenti

Yakkhā vāpi haranti naṁ

Appiyā vāpi dāyādā

Uddharanti apassato.

Yadā puññakkhayo hoti

Sabbam-etaṁ vinassati.

But no matter how well it’s stored, deep underground, at the water line,

it won’t all always serve one’s need.

The fund gets shifted from its place, or one’s memory gets confused;

or—unseen—nāgas make off with it, spirits steal it,

or hateful heirs run off with it.

When one’s merit’s ended, it’s totally destroyed.

Yassa dānena lena

Saññamena damena ca

Nidhī sunihito hoti

Itthiyā purisassa vā

Cetiyamhi ca Saṅghe vā

Puggale atithīsu vā

Mātari pitari vāpi

Atho jeṭṭhamhi bhātari

Eso nidhi sunihito

Ajeyyo anugāmiyo.

Paya gamanīyesu

Etaṁ ādāya gacchati.

Adhāraṇam-aññesaṁ

Acorāharaṇo nidhi.

But when a man or woman has laid aside a well-stored fund of generosity,

virtue, restraint, & self-control, with regard to a shrine, the Saṅgha,

a fine individual, guests, mother, father, or elder sibling:

That’s a well-stored fund. It can’t be wrested away.

It follows you along.

When, having left this world, for wherever you must go,

you take it with you.

This fund is not held in common with others,

& cannot be stolen by thieves.

Kayirātha dhīro puññāni

Yo nidhi anugāmiko.

Esa deva-manusnaṁ

Sabba-kāma-dado nidhi.

Yaṁ yaṁ devābhipatthenti

Sabbam-etena labbhati.

So, enlightened, you should make merit, the fund that will follow you along.

This is the fund that gives all they want to beings human, divine.

Whatever devas aspire to, that is all gained by this.

Suvaṇṇatā susaratā

Susaṇṭhānaṁ surūpatā

Ādhipaccaṁ parivāro

Sabbam-etena labbhati.

A fine complexion, fine voice, a body well-built, well-formed,

lordship, a following: That is all gained by this.

Padesa-rajjaṁ issariyaṁ

Cakkavatti-sukhaṁ piyaṁ

Deva-rajjam-pi dibbesu

Sabbam-etena labbhati.

Earthly kingship, supremacy, the bliss of an emperor,

kingship over devas in the heavens: That is all gained by this.

Mānussikā ca sampatti

Deva-loke ca yā rati

Yā ca nibbāna-sampatti

Sabbam-etena labbhati.

The attainment of the human state, any delight in heaven,

the attainment of unbinding: That is all gained by this.

Mitta-sampadam-āgamma

Yoniso ca payuñjato

Vijjā vimutti va-bhāvo

Sabbam-etena labbhati.

Excellent friends, appropriate application,

mastery of clear knowing & release: That is all gained by this.

Paṭisambhidā vimokkhā ca

Yā ca vaka-pāramī

Pacceka-bodhi buddha-bhūmi

Sabbam-etena labbhati.

Acumen, emancipations, the perfection of disciplehood,

private awakening, buddhahood: That is all gained by this.

Evaṁ mahatthikā e

Yadidaṁ puñña-sampadā

Tasmā dhīrā pasaṁsanti

Paṇḍitā kata-puññatanti.

So powerful this, the accomplishment of merit.

Thus the wise, the enlightened, praise the fund of merit already made.