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Kp 8PTS Kp 72 min read

Storing Your Savings

Nidhikaṇḍasutta

Merit is the only sure investment.

Translated by Bhikkhu Sujato · Pāli: Mahāsaṅgīti Tipiṭaka · Public domain (CC0) via SuttaCentral

  • 0.1Khuddakapāṭha 8Basic Passages 8

0.2NidhikaṇḍasuttaA Treasure Trove

1.1Nidhiṁ nidheti puriso,A person stores away their savings1.2gambhīre odakantike;in a deep trove by the water’s edge:1.3Atthe kicce samuppanne,“When need arises1.4atthāya me bhavissati.it will be there to help

2.1Rājato vā duruttassa,free me from rulers if I am slandered,2.2corato pīḷitassa vā;or from bandits if harassed,2.3Iṇassa vā pamokkhāya,or to release me from debt,2.4dubbhikkhe āpadāsu vā;or in case of famine or losses.”2.5Etadatthāya lokasmiṁ,What the world calls savings2.6nidhi nāma nidhīyati.get stored away for such reasons.

3.1Tāvassunihito santo,But no matter how well stored away they are3.2gambhīre odakantike;in a deep pit by the water’s edge,3.3Na sabbo sabbadā eva,all their savings will fail3.4tassa taṁ upakappati.to aid them all the time.

4.1Nidhi vā ṭhānā cavati,For perhaps those savings shift from there,4.2saññā vāssa vimuyhati;or they forget what marks the site,4.3Nāgā vā apanāmenti,or dragons make off with them,4.4yakkhā vāpi haranti naṁ.or spirits carry them away,

5.1Appiyā vāpi dāyādā,or unloved heirs5.2uddharanti apassato;secretly unearth them.5.3Yadā puññakkhayo hoti,When their merit is used up,5.4sabbametaṁ vinassati.all of that will vanish.

6.1Yassa dānena sīlena,But by giving and morality,6.2saṁyamena damena ca;restraint and self-control,6.3Nidhī sunihito hoti,a woman or man6.4itthiyā purisassa vā.keeps their savings safe.

7.1Cetiyamhi ca saṅghe vā,At a shrine or with the Saṅgha,7.2puggale atithīsu vā;7.3Mātari pitari cāpi,with mother or father,7.4atho jeṭṭhamhi bhātari.or else an elder sibling,

8.1Eso nidhi sunihito,those savings are kept safe,8.2ajeyyo anugāmiko;they stay with you, undecaying.8.3Pahāya gamanīyesu,We must go on leaving all behind,8.4etaṁ ādāya gacchati.only this you take when you go.

9.1Asādhāraṇamaññesaṁ,You don’t have to share it with others,9.2acorāharaṇo nidhi;no thief makes off with your savings.9.3Kayirātha dhīro puññāni,An attentive one would make merit,9.4yo nidhi anugāmiko.the savings that stay with you.

10.1Esa devamanussānaṁ,Such savings grant every desire10.2sabbakāmadado nidhi;of gods and humans too.10.3Yaṁ yadevābhipatthenti,Whatever it is that they wish for10.4sabbametena labbhati.through this they have it all.

11.1Suvaṇṇatā susaratā,Good looks, a sweet voice,11.2susaṇṭhānā surūpatā;a good shape, and good appearance,11.3Ādhipaccaparivāro,leadership and followers:11.4sabbametena labbhati.through this they have it all.

12.1Padesarajjaṁ issariyaṁ,Sovereignty of a local kingdom,12.2cakkavattisukhaṁ piyaṁ;the happiness of a Wheel-Turning Monarch,12.3Devarajjampi dibbesu,even kingship in the heavens:12.4sabbametena labbhati.through this they have it all.

13.1Mānussikā ca sampatti,Human success,13.2devaloke ca yā rati;heavenly delight,13.3Yā ca nibbānasampatti,attaining extinguishment:13.4sabbametena labbhati.through this they have it all.

14.1Mittasampadamāgamma,Relying on having good friends,14.2yonisova payuñjato;rational application of effort,14.3Vijjāvimuttivasībhāvo,mastery of knowledge and freedom:14.4sabbametena labbhati.through this they have it all.

15.1Paṭisambhidā vimokkhā ca,Analytical knowledge, the liberations,115.2yā ca sāvakapāramī;the perfections of the disciple,15.3Paccekabodhi buddhabhūmi,the plane of an independent Buddha:15.4sabbametena labbhati.through this they have it all.

16.1Evaṁ mahatthikā esā,This accomplishment in merit16.2yadidaṁ puññasampadā;is so very beneficial.16.3Tasmā dhīrā pasaṁsanti,That’s why the attentive and the astute16.4paṇḍitā katapuññatanti.praise the making of merit.

17.1Nidhikaṇḍasuttaṁ.

Translator’s notes

  1. The inclusion of paṭisambhidā here with the late terms in the following lines reinforces the sense that this is a late term. Here it could refer either to the “analytical knowledge” of the elements (AN 1.595), or the “analytical knowledge” of the text (AN 5.95), in which case it is fourfold and should be translated as plural.

    ↩ kp8:15.1