INTERESTING PRESENTATION
Sony Corporation played this video at their executive conference this year..
Caution: It may leave you a little breathless ----.
sent by Mr. Bhaskaran sivaraman
Friday, November 26, 2010
Some facts about "NOMINATION"
Did you think that your nominee is the person, who will get all the money legally from your Life Insurance Policy and Mutual funds investments? Ha! That is exactly what you’d think if you aren’t aware of the legal aspects. We assume a lot of things which sounds like they’re obvious, but are not true from the legal point of view. Today, we’ll concentrate on nominations in financial products.
For whom are we earning? For whom are we investing? Who, do we want to leave all our wealth to, in case something happens to us? It might be your children, your spouse, parents, siblings etc., or just a subset of these. You also might want to exclude some people from your list fo beneficiaries!. So you think you will nominate person X in your Insurance policy, and when you are dead and gone, all the money goes to person X and he/she becomes the sole owner? You’re wrong ! It doesn’t work that way. Let’s see how it actually does!
What is a nominee ?
According to law, a nominee is a trustee not the owner of the assets. In other words, he is only a caretaker of your assets. The nominee will only hold your money/asset as a trustee and will be legally bound to transfer it to the legal heirs. For most investments, a legal heir is entitled to the deceased’s assets. For instance, Section 39 of the Insurance Act says the appointed nominee will be paid, though he may not be the legal heir. The nominee, in turn, is supposed to hold the proceeds in trust and the legal heir can claim the money.
A legal heir will be the one whose is mentioned in the will. However, if a will is not made, then the legal heirs of the assets are decided according to the succession laws, where the structure is predefined on who gets how much. For example, if a man during his lifetime executes a will. In the will, he mentions his wife and children as legal heirs, then after his death, his wife and children are the legal owners of his assets. It is essential that one needs to execute a will. It is the ultimate source of truth and replaces the succession law. Nominee can also be one of the legal heirs.
Important
- Mention the Full Name, Address, age, relationship to yourself of the nominee.
- Do not write the nomination in favour of “wife” and “children” as a class. Give their specific names and particulars existing at that moment.
- If the nominee is a minor, appoint a person who is a major as an appointee giving his full name, age, address and relationship to the nominee.
Why is the concept of nominee ?
So you might be wondering, if the nominee does not become the sole owner, why does such a concept of “nominee” exist at all? It’s pretty simple. When you die, you want to make sure that the Insurance company, Mutual fund or your shares should at least get out of the companies and go to someone you trust, and who can further help, in process of passing it to your legal heirs.
Otherwise, if a person dies and hasn’t nominated anyone, your legal heirs will have to go through the process of producing all kind of certificates like death certificates, proof of relation etc., not to mention that the whole process is really cumbersome! (For each legal entity! The insurance company, the mutual funds, for the shares, for the real estate..) . So, to simplify, if a nominee exists, these hassles don’t happen, since the company is bound to transfer all your money or assets to the nominee.The company the goes out of scene & then, it’s between nominee and legal heirs.
Example of Nomination
Ajay was 58 years old who died recently in an accident. As his children were settled, he wanted to make sure that his wife is the sole owner of all the monetary assets. This includes his insurance policy and mutual funds. So during his lifetime, he nominated his wife as a nominee in his term insurance policy and mutual funds investments. However, after Ajay’s death things didn’t turn up the way he wanted. The reason being Ajay did not leave a will. Though his wife was the nominee in all his movable assets, as per the law, his wife, along with children, were the legal heirs and all of them had equal right to Ajay’s assets.
One simple step which could have saved the situation was that Ajay should have made a will which clearly stated that only his wife was entitled to get all the money and not his children.
Nomination in Life Insurance
A policyholder can appoint multiple nominees and can also specify their shares in the policy proceeds. Nomination in life insurance has one limitation, as insurance policies are bought to secure your financial dependents, your first choice of nominee has to be your family members. In case you want to nominate a non-family member like a friend or third party, you will have to show/PROVE the insurance company that there is some insurable interest for the person. This happens because of a Clause called PRINCIPAL OF INSURABLE INTEREST in insurance. Note that provision of nomination in life insurance is related to Section 39 of the Insurance Act. Note that as per LIC website
Nomination is a right conferred on the holder of a Policy of Life Assurance on his own life to appoint a person/s to receive policy moneys in the event of the policy becoming a claim by the assured’s death. The Nominee does not get any other benefit except to receive the policy moneys on the death of the Life Assured. A nomination may be changed or cancelled by the life assured whenever he likes without the consent of the Nominee. Make sure, you have a nominee for your policy for easy settlement of the claim, if you do not have any nominee mentioned in the policy, it can turn out to be a disaster for your dependents to get a claim.
Nomination in Mutual funds
In case of mutual funds, you can nominate up to three people, who can be registered at the time of purchasing the units. While filling in the application form, there is a provision to fill in the nomination details. Even a minor can be a nominee, provided the guardian is specified in the nomination form. You can also change nomination later by filling up a form which is available on the mutual fund company website. Nomination in mutual funds is at folio level and all units in the folio will be transferred to the nominee(s). If an investor makes a further investment in the same folio, the nomination is applicable to the new units also. A non-resident Indian can be a nominee, subject to the exchange control regulations in force from time to time.
Nomination in Shares
Quiz for you . Now you know what a nominee means and who actually gets the money. So if there is a husband H, with wife W and nephew N, and he has nominated his nephew N to be the nominee of his shares in demat account, who will have the legal right to own the shares after husband’s death? If you answer is wife, you are wrong in this case! In case of stocks, it does not work the usual way, if a will does not exist.
In the verdict, Justice Roshan Dalvi struck down a petition filed by Harsha Nitin Kokate, who was seeking permission to sell some shares held by her late husband. The Court noted that as she was not the nominee, she had no ownership rights over the shares. Ms KokaThe’s lawyer had argued that as she was the heir of her husband who had died intestate (without a will), she should have ownership rights of the shares, and be able to do anything with them as she wished. In this case, Ms Kokate’s husband had nominated his nephew in favour of the shares. Justice Dalvi however noted that under the provisions of the Companies Act and the Depositories Act, Acts which govern the transfer of shares, the role of a nominee was different.
“A reading of Section 109(A) of the Companies Act and 9.11 of the Depositories Act makes it abundantly clear that the intent of the nomination is to vest the property in the shares which includes the ownership rights thereunder in the nominee upon nomination validly made as per the procedure prescribed, as has been done in this case.”
It means that if you have not written a will, anyone who has been nominated by you for your shares will be the ultimate owner of those stocks, The succession laws on inheritance will not be applicable but in case, you have made a will, that will be the source of truth.
Nomination in PPF
Let me give you some shock first. If you have Rs 10 lakh in your public provident fund (PPF) account and you have not nominated anyone for your PPF account, your legal heirs will get maximum of Rs1 lakh only! Yes, it’s so important to have a nominee, now you get it . You can nominate one or more persons as nominee in PPF. Form F can be used to change or cancel a nomination for PPF. Also note that you cannot nominate anyone if you open an account for a minor.
Nomination in Saving/Current/FD/RD Account in Banks
FD’s also come with nomination facility. While opening a new account, there is a column for nomination in the same form and you should fill it. You can nominate two persons with first and second option. Note that in case you have not done any nomination till now, you should request Form No DA-1 from your Bank which is used to assign a nominee in future. (Examples of ICICI Bank , HDFC Bank , Canara Bank) . In the same way to change/cancel the nomination you need to fill up Form no DA-2. Read about Corporate Fixed Deposits
As per a famous case, A Bench of Justices Aftab Alam and R M Lodha in an order said that the money lying deposited in the account of the original depositor should be distributed among the claimants in accordance with the Succession Act of the respective community and the nominee cannot claim any absolute right over it.
Conclusion
Now you know! Taking Personal finance for granted can be fatal Just investing knowledge, isn’t enough to have a great financial life. You also need to be well versed with basic legal aspects and make sure you carry out all due arrangement . Nomination is one important aspect you should seriously consider, when checking for the financial products you have bought or plan to buy in future.
It is important to make sure that your loved one’s do not face legal issues and only say and think lovely thoughts about you when you are not around, rather than crib & grumble
Contributed by Mr. K. N. Ramesh
Thursday, November 25, 2010
A tribute to Smt. M. S. Subbulakshmi
You can watch for more than an hour documentary of Late MSS here.
Music lovers can enjoy with visual clippings (thanks to Bhaskaran Sivaraman)
Music lovers can enjoy with visual clippings (thanks to Bhaskaran Sivaraman)
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Hemalatha said... - Dear Sir, The documentary is truly great. I downloaded it yesterday and enjoyed it. My friends wanted a copy of the same in wmv format and I have also converted the same and given to 5 of them. Now the blog will get 5 more members. Thanks to Bhaskaran Sir also. Regards
- BHASKARAN19 said...
- The pleasure is mine Ms Hemalatha, This blog should hit 250 before 31s Dec 10, that is my aim, I am very keen about it, Such a wonderful blog everyone shoud enjoy warm regards bhaskaran
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vaishnavi said...- M.S really a god sent thanks for this video have converted this in my mobile phone...seeing it in it
- vaishnavi said...
- M.S is really a god sent...converted it in my cellphone....will watch and enjoy it
- Hemalatha said...
- A GREAT BLOG Indeed. How much short of 250 ? We shall ensure that we make it. Regards
Concert - O.S.Arun (1999)
- http://www.mediafire.com/?59ji632pdt4ktpb Nera nammidhi - Kaanada
- http://www.mediafire.com/?5xg7r3zb5j6cigg Ennaalu - Subapanthuvarali
- http://www.mediafire.com/?nyryz35ndllffdz Raama bhakthi - Sudhdhabangla
- http://www.mediafire.com/?5tle43ahha7hy7t Akshayalinga - Sankarabaranam
- http://www.mediafire.com/?c6kukg5n7yx1lxc aaj aayo shyam - Mohanam
- http://www.mediafire.com/?8imk7g7boh7rue0 Haridasanu vadale - Yamankalyaani
- http://www.mediafire.com/?ylyzthymno38rvv Sidhdhi vinayakam - Mohanakalyaani
- http://www.mediafire.com/?y9k2zi04tml53kb Enneramum - Devagandaari
- http://www.mediafire.com/?66m7r7ujrnvjk63 Marivere - Shamnugapriya
- http://www.mediafire.com/?z3to3ztd58f930a Sogasujooda - Kannadagowla
- http://www.mediafire.com/?w62ninmjq01wldu Soundararaajam - Brindhavan saaranga
- http://www.mediafire.com/?w411ca4m04f4wuq Namo namo raaghavaiyah - Sindhubairavi
- http://www.mediafire.com/?qcbbhfc0jbv28oz Antharanga saai
Wednesday, November 24, 2010
Story of Appreciation
One young academically excellent person went to apply for a managerial position in a big company. He passed the first interview, the director did the last interview, made the last decision. The director discovered from the CV that the youth's academic achievements were excellent all the way, from the secondary school until the postgraduate research, never had a year when he did not score.
The director asked, "Did you obtain any scholarships in school?" the youth answered "none". The director asked, " Was it your father who paid for your school fees?" The youth answered, "My father passed away when I was one year old, it was my mother who paid for my school fees.
The director asked, " Where did your mother work?" The youth answered, "My mother worked as clothes cleaner. The director requested the youth to show his hands. The youth showed a pair of hands that were smooth and perfect.
The director asked, " Have you ever helped your mother wash the clothes before?" The youth answered, "Never, my mother always wanted me to study and read more books. Furthermore, my mother can wash clothes faster than me.
The director said, "I have a request. When you go back today, go and clean your mother's hands, and then see me tomorrow morning.*
The youth felt that his chance of landing the job was high. When he went back, he happily requested his mother to let him clean her hands.
His mother felt strange, happy but with mixed feelings, she showed her hands to the kid. The youth cleaned his mother's hands slowly. His tear fell as he did that. It was the first time he noticed that his mother's hands were so wrinkled, and there were so many bruises in her hands. Some bruises were so painful that his mother shivered when they were cleaned with water. This was the first time the youth realized that it was this pair of hands that washed the clothes everyday to enable him to pay the school fee. The bruises in the mother's hands were the price that the mother had to pay for his graduation, academic excellence and his future. After finishing the cleaning of his mother hands, the youth quietly washed all the remaining clothes for his mother.
That night, mother and son talked for a very long time.
Next morning, the youth went to the director's office. The Director noticed the tears in the youth's eyes, asked: " Can you tell me what have you done and learned yesterday in your house?" The youth answered, " I cleaned my mother's hand, and also finished cleaning all the remaining clothes' The Director asked, " please tell me your feelings."
The youth said, Number 1, I know now what appreciation is. Without my Mother, there would not the successful me today.
Number 2, by working together and helping my mother, only I now realize how difficult and tough it is to get something done.
Number 3, I have come to appreciate the importance and value of family relationship.
The director said, "This is what I am looking for to be my manager. I want to recruit a person who can appreciate the help of others, a person who knows the sufferings of others to get things done, and a person who would not put money as his only goal in life. You are hired.
Later on, this young person worked very hard, and received the respect of his subordinates. Every employee worked diligently and as a team.
The company's performance improved tremendously. A child, who has been protected and habitually given whatever he wanted, would develop "entitlement mentality" and would always put himself first. He would be ignorant of his parent's efforts. When he starts work, he assumes that every person must listen to him, and when he becomes a manager, he would never know the sufferings of his employees and would always blame others. For this kind of people, who may be good academically, may be successful for a while, but eventually would not feel sense of achievement. He will grumble and be full of hatred and fight for more. If we are this kind of protective parents, are we really showing love or are we destroying the kid instead?*
You can let your kid live in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experience it. After a meal, let them wash their plates and bowls together with their brothers and sisters. It is not because you do not have money to hire a maid, but it is because you want to love them in a right way. You want them to understand, no matter how rich their parents are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your kid learns how to appreciate the effort and experience the difficulty and learns the ability to work with others to get things done.
sent by Mr. Muralidhar
What a wonderful story, I sure had tears and thought of my mother.sent by Mr. Muralidhar
- VENKATARAMANI said...
- An excellent lesson to be followed by everybody especially by the younger generation.
- suriyan M R said...
- this piece reminds me my father who was brought up by his widowed mother's hard work. As the last paragraph states he made us to do all domestic jobs at home and he himself was model for us in sharing the domestic and other works. this virtue helps me in my life and profession to feel the responsibility of life. A nice narration indeed!!! I thank you for this suriyan M R
Thanks for sharing Mama.
Lots of luv,
Renu
- Anonymous said...
- Dear Sir Shri Vaithinathan Hariharan Namaskaram.I am greartly indebted to your esteemed self for providing me with keerthanais rendered by Carnatic stalwarts of old time. I am 58 years of age and I have an obsession of listening to songs that had great impact on me sung by particular musician. For example Enthavedukondu by V.V. Sadagopan. I even do not listen to any one rendering this song. That is my mind set. Through your esteemed self I am able to listen to particular songs by particular musician. I submit a request. "Nallothor Veenai Seithen" by Bharathi is an emotional packed song. Here you can find the righteous indignation, 'ROUDRAM', of Bharathi. This has been beautifully exposed by C.S.Jayaraman. He has rendered this song in the tune"Indru Poi Nalai Varai" of Sampoorna Ramayanam. If the song is available plese be kind enough to present it. I have the mail ID: rravinct@yahoo.co.in After getting the nod from your esteemed self I may disturb you again by submitting some more songs of Bharathi rendered by S.Janaki. Thank you Sir, with warm regars ravi.
- Anonymous said...
- Dear Sir Sri Vaithinathan Hariharan I was totally speechless when read my appeal in your columns. I am hapy taht my request has reached the perfect person. Through music one can transcend worldy affairs. Music develops Bhakthi and as far as I am concerned Bhakthi has more social impact than anythig.A true Bhaktha cannot harm or cannot disturb or cannot infringe on others rights and what not. Such a society will have fewer police stations and fewer courts.Prejudice and aimless mind set leads to terrorism and rivalry. This will not be there if the society develop piety. This can be achieved through music and in a nut shell thorugh your esteemed self. I am expecting the song of Bharathi that I wanted. "Ethanai Kodi Inbam Vaithai" is ful of Advaitham, making the Nature, the God. This is fully exposed only by Shrimati S.Janaki. Her singing is more than musical grammar.And another one by her,"Varuvai Varuvai Varuvai Kanna" is exceptinally emotional and par excellence. I have searching for these songs for more than 15 years, that were heard me through Radio,Local and Ceylon, nearly 30 years back. I hope these will be available at AIR and I am confident you can get them. Please excuse me if am disturbing you. More disturbances are to come and please bear with me.I feel sorry but I could not desist from the appeal as the songs are so close to my heart. Thank You, Sir, With warm regards ravi rravinct@yahoo.co.in rrarinct @gmail.com
Tuesday, November 23, 2010
Concert - Madurai Somu (Ramanavami)
- http://www.mediafire.com/?st5d4kag0c7ylo7 Varnam - Dhevamanohari
- http://www.mediafire.com/?n5u4pccu4ydtca4 Maha ganesham - Gopikathilakam
- http://www.mediafire.com/?71xxxjhc7n1w1hx Neelakanta mahadeva - Kuvalayaabaranam
- http://www.mediafire.com/?j12aqnnuelau44v Raama nee pai - Kedhaaram
- http://www.mediafire.com/?3v9bo9pvvfhtl0g Guruleka - Gowrimanohari
- http://www.mediafire.com/?6da54frygpcp72g Chakkani raaja - Karaharapriya
- http://www.mediafire.com/?49bs1as7n5qiwbt Thani
- http://www.mediafire.com/?p2v3xgooup540vt Sankaraparane - Raagamalika
- http://www.mediafire.com/?wcywrcy7pvmqb1c Raama naamamu - Ataanaa
- http://www.mediafire.com/?ifl9uhpp35igop1 RTP - Kaambodhi
- http://www.mediafire.com/?2m9yhdw6lla3ni6 Maadu meikkum kanna - Desh
- http://www.mediafire.com/?f8oc9yd62165g0y Viruththam - Raagamalika
- http://www.mediafire.com/?98pcp6cgpp1h1ou Mangalam
- Anonymous said...
- Sir, any idea what happened to geetham.net site?
Navagraha gaayathri
- http://www.mediafire.com/?zpz1682f6inixdh Navagraha gaayathri - T.S. Balakrishna Sastrigal
Navagraha Homam
Navagraha homam is performed if one has kalathra dosha or kala sarpha dosha.The dosha should be nullified in the natal chart to see improvements in marital life and career. The Nine "Grahas" or Planets in our horoscope control our karma, our desires and their outcomes. Each of these nine planets exerts an influence in our lives, which is called "dasa" and it can be known from one's horoscope. Navagraha Pooja is undertaken to reduce the negative effects and improve the positive energies related to a person. Navgraha Homam is an extremely useful & beneficial Homam, since it's worship strengthens benefic planets & increases their positive influence and pacifies malefic planets & neutralizes their negative effect. Navgraha Homam is recommended for all, particularly those planets are detrimental or malefic as per horoscope. Navgraha Homam shall be performed every year to ensure that you always get maximum advantage from your planets. The planets are to propitiate against their evil influences, to ward off them, the Navgraha Homam is done with faith to ward off all evils of planetary configuration. Customized Homam The Homam to be performed depends on the type of problems & the individual's Birth Chart, usually a Pundit is consulted for advice on the type of homams that are to be conducted. If you have any doubts please ask to our Pundits. A detailed analysis of your Horoscope chart, by our Pundits would suggest you the most suitable remedies or if to conduct special poojas for specific problems at specific temples, that would help you over come your problems and to obtain evident good results with the Power of Cosmic Energy. How Can I Get This Homam Performed? By analyzing your horoscope, our experienced Pundits can identify the reason for the problems and the ways to nullify the problems. Based on your Birth Chart and on the instructions given by our Pundit, selective Homams are performed by Our Experienced Priests. Our Priests has vast experience in the field of performing Homams & Poojas. They have sound knowledge on the various aspects of performing homams. The main aim of performing the Homams is to enrich positive energy of the ruling planets and to nullify the negative elements shown in the birth chart. It is also a form of remedial measure which has been followed from the ancient times. Homams and poojas performed for a particular deity by invoking Agni - the God of fire. It is said that when Lord Brahma (the creator among the Trinity) created man, he also created "Homam" for man's livelihood and his attainment of spiritual desires.   | ||||
Aadhithya hrudhayam
Download Aaditya_hrudayam_-_T.S. Balakrishna sastrigal.mp3
The Ramayana is India’s most famous ancient Sanskrit epic, consisting of 24,000 verses in seven books. The 107th chapter of Yuddha Kanda of Ramayana contains a hymn dedicated to the Sun God, Lord Surya. In this 31 verse hymn we learn of the praiseworthy qualities of the Sun and it’s affects on the human mind, body and spirit.
Aditya Hridayam – Meditation of the Sun in the Heart
Aditya Hridayam, or Aditya Hrdaya, is a hymn dedicated to Lord Surya (Sun God) Valmiki Ramayana. Aditya Hridaya consists of 31 verses and is found in the 107th chapter of Yuddha Kanda of Ramayana. It was narrated to Lord Rama by Sage Agastya to energize him in the battle against Ravana.Aditya means `Sun’ and Hridayam means `heart or the essence’.
English Translation of Aditya Hridayam along with Sanskrit Text
tato yuddha parishrantam samare chintaya sthitam |
ravanam chagrato drishtva yuddhaya samupasthitam || 1
Sri Rama, who standing absorbed in deep thought on the battle-field, exhausted by the fight and facing Ravana who was duly prepared for the war
daiva taishcha samagamya drashtu mabhya gato ranam |
upagamya bravidramam agastyo bhagavan rishihi || 2
The glorious sage Agastya, who had come in the company of gods to witness the encounter (battle) now spoke to Rama as follows:
rama rama mahabaho shrinu guhyam sanatanam |
yena sarvanarin vatsa samare vijayishyasi || 3
`O Rama’, `O Mighty armed elegant Rama’, listen carefully to the eternal secret by which, `O my child’, you shall conquer all your enemies on the battle field and win against your adversaries.
aditya-hridayam punyam sarva shatru-vinashanam |
jayavaham japen-nityam akshayyam paramam shivam || 4
By chanting the Aditya Hridayam which is very auspicious and highly beneficial, you will be victorious in battle. This holy hymn dedicated to the Sun God will result in destroying all enemies and bring you victory and permanent happiness.
sarvamangala- mangalyam sarva papa pranashanam |
chintashoka- prashamanam ayurvardhana- muttamam || 5
This supreme prayer is the best amongst auspicious verses, it will destroy all sins, dispel all doubts, alleviate worry and sorrow, anxiety and anguish, and increase the longevity of life. It is a guarantee of complete prosperity.
rashmi mantam samudyantam devasura-namaskrita m |
pujayasva vivasvantam bhaskaram bhuvaneshvaram || 6
Worship the sun god, the ruler of the worlds and lord of the universe, who is crowned with effulgent rays, who appears at the horizon and brings light, who is revered by the denizens of heaven (devas) and asuras alike.
sarva devatmako hyesha tejasvi rashmi-bhavanah |
esha devasura gananlokan pati gabhastibhih || 7
Indeed, He is the very embodiment of all Gods. He is self-luminous and sustains all with his rays. He nourishes and energizes the inhabitants of all the worlds as well as the host of Gods and demons by his Rays.
esha brahma cha vishnush cha shivah skandah prajapatihi |
mahendro dhanadah kalo yamah somo hyapam patihi || 8
He is Brahma, Vishnu, Shiva, Skanda, Prajapati, the mighty Indra, Kubera, Kala (eternal time), Yama, Soma (the moon god that nourishes), and Varuna (the lord of sea and ocean).
pitaro vasavah sadhya hyashvinau maruto manuh |
vayurvahnih praja-prana ritukarta prabhakarah || 9
Indeed, he is Pitris (ancestors, manes), the eight Vasus, the Sadhyas, the twin Aswins (physicians of Gods), the Maruts, the Manu, Vayu (the wind God), Agni (the fire God), Prana (the Life breath of all beings), the maker of six seasons and the giver of light.
adityah savita suryah khagah pusha gabhastiman |
suvarnasadrisho bhanur-hiranyareta divakarah || 10
He is the Son of Aditi (the mother of creation), the Sun God who transverse the heavens, he is of brilliant golden color, the possessor of a myriad rays, by illuminating all directions he is the maker of daylight. He is the all pervading, shining principle, the dispeller of darkness, exhibiting beautiful sight with golden hue.
haridashvah sahasrarchih saptasapti-marichim an |
timironmathanah shambhu-stvashta martanda amshuman || 11
He has seven horses yoked to his chariot, shines with brilliant light having infinite rays, is the destroyer of darkness, the giver of happiness and prosperity, mitigator of the sufferings and is the infuser of life. He is the Omnipresent One who pervades all with immeasurable amount of rays.
hiranyagarbhah shishira stapano bhaskaro ravihi |
agni garbho’diteh putrah shankhah shishira nashanaha || 12
He is Hiranyagarbha born of Aditi of a golden womb, He is Sisirastapana the destroyer of the cold, snow and fog, illuminator, Ravi, bearer of the fire and conch, He is the remover of ignorance and giver of fame.
vyomanathastamobhed i rigyajussamaparagah a |
ghanavrishtirapam mitro vindhya-vithiplavan gamaha || 13
He is the Lord of the firmament and ruler of the sky, remover of darkness. the master of the three vedas Rig, Yaju, Sama, he is a friend of the waters (Varuna) and causes abundant rain. He swiftly courses in the direction South of Vindhya-mountains and sports in the Brahma Nadi.
atapi mandali mrityuh pingalah sarvatapanaha |
kavirvishvo mahatejah raktah sarva bhavodbhavaha || 14
He, whose form is circular and is colored in yellow and red hues, is intensely brilliant and energetic. He is a giver of heat, the cause of all work, of life and death. He is the destroyer of all and is the Omniscient one sustaining the universe and all action.
nakshatra grahataranam- adhipo vishva-bhavanah |
tejasamapi tejasvi dvadashatman namo’stu te || 15
He is the lord of the constellations, stars and planets and the origin of every thing in the universe. Salutations to Aditya who appears in twelve forms (in the shape of twelve months of the year) and whose glory is described in his twelve names.
namah purvaya giraye pashchimayadraye namah|
jyotirgananam pataye dinaadhipataye namah || 16
Salutations to the Lord of sunrise and sunset, who rises at the eastern mountains and sets in the western mountains. Salutations to the Lord of the Stellar bodies and to the Lord of daylight.
Jayaya jaya bhadraya haryashvaya namo namah |
namo namah sahasramsho adityaya namo namah || 17
Oh! Lord of thousand rays, son of Aditi, Salutations to you, the bestower of victory, auspiciousness and prosperity, Salutations to the one who has colored horses to carry him.
nama ugraya viraya sarangaya namo namah |
namah padma prabodhaya martandaya namo namah || 18
Salutations to Martandaya the son of Mrukanda Maharisi, the terrible and fierce one, the mighty hero, the one that travels fast. Salutations to the one whose appearance makes the lotus blossom (also the awakener of the lotus in the heart).
brahmeshanachyutesh aya suryayadityavarchas e |
bhasvate sarva bhakshaya raudraya vapushe namaha || 19
Salutations to the Lord of Brahma, Shiva and Vishnu, salutations to Surya the sun god, who (by his power and effulgence) is both the illuminator and devourer of all and is of a form that is fierce like Rudra.
tamoghnaya himaghnaya shatrughnayamitatma ne |
kritaghnaghnaya devaya jyotisham pataye namaha || 20
Salutations to the dispeller of darkness, the destroyer of cold, fog and snow, the exterminator of foes; the one whose extent is immeasurable. Salutations also to the annihilator of the ungrateful and to the Lord of all the stellar bodies, who is the first amongst all the lights of the Universe.
taptacami karabhaya vahnaye vishvakarmane |
namastamo’bhinighna ya ravaye (rucaye) lokasakshine || 21
Salutations to the Lord shining like molten gold, destroying darkness, who is the transcendental fire of supreme knowledge, who destroys the darkness of ignorance, and who is the cosmic witness of all merits and demerits of the denizens who inhabit the universe. Salutations to Vishvakarma the architect of the universe, the cause of all activity and creation in the world.
nashayat yesha vai bhutam tadeva srijati prabhuh|
payatyesha tapatyesha varshatyesha gabhastibhih || 22
Salutations to the Lord who creates heat by his brilliant rays. He alone creates, sustains and destroys all that has come into being. Salutations to Him who by His rays consumes the waters, heats them up and sends them down as rain again.
esha supteshu jagarti bhuteshu parinishthitaha |
esha evagnihotram cha phalam chaivagnihotrinam || 23
Salutations to the Lord who abides in the heart of all beings keeping awake when they are asleep. Verily he is the Agnihotra, the sacrificial fire and the fruit gained by the worshipper of the Agnihotra.
vedashcha kratavashcaiva kratunam phalam eva cha |
yani krityani lokeshu sarva esha ravih prabhuh || 24
The Sun God (Ravi) is the origin and protector of the four Vedas (Rig, Yajur, Sama, and Atharva), the sacrifices mentioned in them and the fruits obtained by performing the sacrifices. He is the Lord of all action in this universe and decides the Universal path.
ena-mapatsu krichchreshu kantareshu bhayeshu cha |
kirtayan purushah kashchinnavasidati raghava || 25
Listen Oh Rama! Oh Raghava, scion of the Raghu dynasty, any person, singing the glories of Surya in great difficulties, during affliction, while lost in the wilderness, and when beset with fear, will not come to grief (or loose heart).
pujayasvaina- mekagro devadevam jagatpatim |
etat trigunitam japtva yuddheshu vijayishyasi || 26
If you worship this lord of the universe, the God of all Gods, with concentrated mind and devotion by reciting this hymn (Aditya-Hridayam) thrice, you will emerge victorious in the battle.
asmin kshane mahabaho ravanam tvam vadhishyasi |
evamuktva tada’gastyo jagama cha yathagatam || 27
O mighty armed one, you shall triumph over Ravana this very moment. After blessing Lord Rama thus, and predicting that He would slay (the demon) Ravana, sage Agastya took leave and returned to his original place.
etachchrutva mahateja nashtashoko’ bhavattada |
dharayamasa suprito raghavah prayatatmavan || 28
Having heard this, that great warrior Raghava, feeling greatly delighted, became free from grief. His clouds of worry thus dispelled, the lustrous Lord Rama obeyed the sayings of sage Agastya with great happiness. With composed mind he retained this hymn in his memory, ready to chant the Aditya Hridayam.
adityam prekshya japtva tu param harshamavaptavan |
trirachamya shuchirbhutva dhanuradaya viryavan || 29
Having performed Achamanam (sipping water thrice) and being purified, Rama gazing at the sun with devotion, recited the hymn Aditya Hridayam thrice, then that great hero Raghava was thrilled and lifted his bow.
ravanam prekshya hrishtatma yuddhaya samupagamat |
sarvayatnena mahata vadhe tasya dhrito’bhavat || 30
Lord Rama thus cheered, seeing Ravana coming to fight, put forth all his effort with a determination to kill him. (Ravana)
atha ravi-ravadan- nirikshya ramam
mudita manah paramam prahrishyamanaha |
nishicharapati- sankshayam viditva
suragana-madhyagato vachastvareti || 31
Then knowing that the destruction of Ravana was near, the Sun-God Aditya, surrounded by all the Gods in heaven, looked at Rama with delighted mind and exclaimed `Hurry up’ – `Be quick’.
(contributed by Mr. K.N. Ramesh)
- n jayaram said...
- Respected uploader, Anything from Brahmarishi TSBS is Karnamritam. His way of pronounciation is unequalled. HUMBLY REQUEST uploading of Shri Raghuveera Gadyam rendered by the great TSBS.
hvaidya said...Dear Mr. Jayaram,
I will. Please be on the look out
- guru said...
- Dear Sir, I am able to download navagraha gayathri, while playing no audio is forthcoming. Secondly while down loading Adhitya hrudayam I am not able to download it is always stands in 0%. Kindly clarify to know the defect is my PC or not
hvaidya said...Dear Mr. Guru,
There are many readers downloading both the files. Please try again. If the problem persists, Please let me know. I will look into that
November 23, 2010 7:26 PM
- Hemalatha said...
- Dear Sir, As usual, it is "Ask One and Get Two" ! Thanks a lot. Regards.
- guru said...
- Dear Sir, Further to my earlier comments, Now Iam able to download both Navagraha slokam and Adhitya Hrudayam,but audio is not forthcoming. Kindly look into it at your leisure with pleasure.Sorry for the inconvenience. Yours Guru
hvaidya said...Dear Mr. Guru,
Please check up by right clicking and go to properties and find out whether it is mp3 or not. I have uploaded in mp3 format only. Try to use the right media to play. I checked it. It is working perfect. There must be something wrong at your end only. If you have iTunes open it through iTunes or try any other media other than windows media player.
Will be eager to know you enjoy it.
A westerner's view of Rameswaram
I am yet to visit Rameswaram, eventhough I went upto Karaikudi. 
This article in Newyork times was sent to me by my daughter in law. Click and read the link below
http://tmagazine.blogs.nytimes.com/2010/11/17/houses-of-the-holy/?ref=travel
This article in Newyork times was sent to me by my daughter in law. Click and read the link below
http://tmagazine.blogs.nytimes.com/2010/11/17/houses-of-the-holy/?ref=travel
Monday, November 22, 2010
Concert - Kadri Gopalnath
- http://www.mediafire.com/?wg71ixdnu7l8fn5 Jaganaanada - Naattai
- http://www.mediafire.com/?nbkwhwbr57df1oi Mohana raamaa - Mohanam
- http://www.mediafire.com/?pjw20k48w81r7x9 Paavana guru - Hamsanandini
- http://www.mediafire.com/?q5cw2tfc72qxd5m Krishnaa nee - Yamankalyaani
- http://www.mediafire.com/?adh1onf06yagt0v Thillaanaa - Kadanakudhoogalam
- http://www.mediafire.com/?226277b8e3lotad Venkatachala - Sindhubairavi
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