The shloka
कराग्रे वसते लक्ष्मीः करमध्ये सरस्वती ।
करमूले तु गोविन्दः प्रभाते करदर्शनम् ॥
karāgre vasate lakṣmīḥ karamadhye sarasvatī |
karamūle tu govindaḥ prabhāte karadarśanam ||
Karagre vasate Lakshmih karamadhye Saraswati
Karamule tu Govindah prabhate karadarshanam
हिन्दी अर्थ
हाथ के अग्र भाग (उँगलियों के सिरे) में लक्ष्मी का वास है, हथेली के मध्य में सरस्वती का और हाथ के मूल (कलाई के पास) में भगवान गोविन्द का। इसलिए प्रातःकाल उठते ही अपने हाथों का दर्शन करना चाहिए।
Meaning in English
At the tip of the hand dwells Lakshmi, in the middle of the palm dwells Saraswati, and at the base of the hand dwells Govinda. Therefore, one should look at one's hands at daybreak.
Recited Karagre Vasate Lakshmi?
Mark it, light a diya, or keep it for tomorrow.
Word-by-word meaning
- karāgre
- at the tip of the hand (fingertips)
- vasate
- dwells, resides
- lakṣmīḥ
- Goddess Lakshmi, prosperity
- karamadhye
- in the middle of the palm
- sarasvatī
- Goddess Saraswati, learning
- karamūle
- at the base of the hand
- govindaḥ
- Govinda, Lord Vishnu / Krishna
- prabhāte
- at daybreak, in the morning
- karadarśanam
- looking at (seeing) the hands
When and how to recite
- As soon as you wake, sit up in bed before looking at your phone or anything else.
- Join both palms side by side, open like a book, and hold them in front of your face.
- Look at your palms and recite the shloka slowly once (or three times).
- Touch your palms gently to your eyes or face, then continue with the Samudra Vasane prayer before stepping down.
Significance
Karagre Vasate Lakshmi is the very first prayer of the Hindu day. On opening the eyes, before reaching for anything else, one joins the palms, looks at them and recites this short verse. It sees Lakshmi, Saraswati and Govinda dwelling in one's own hands, so the day begins with gratitude and a reminder that our hands are meant for honest, sacred work. Its brevity makes it one of the first shlokas children learn at home.
The verse turns an ordinary glance at the hands into an act of remembrance. Lakshmi at the fingertips points to the wealth earned through our own effort, Saraswati in the palm to the knowledge that guides that effort, and Govinda at the base to the Divine that supports everything. Beginning the day this way encourages self-reliance, right action and humility. In some regions the third quarter is recited as 'karamūle sthitā gaurī' (Gauri at the base) or with Brahma in place of Govinda; 'karamūle tu govindaḥ' is the most widely recited form.
Frequently asked questions
What is the meaning of Karagre Vasate Lakshmi?
It means that Lakshmi lives at the fingertips, Saraswati in the middle of the palm and Govinda at the base of the hand, so one should look at the palms on waking in the morning.
When should Karagre Vasate Lakshmi be recited?
It is recited immediately on waking, while still seated in bed, while looking at both open palms joined together.
Is it 'Karamule tu Govinda' or 'Karamule sthita Gauri'?
Both are heard, but 'Karamule tu Govindah' is the version recited most widely across India. 'Karamule sthita Gauri' is a regional variant.
How many times should I recite Karagre Vasate Lakshmi?
There is no fixed rule. Most families recite it once; some recite it three times. Sincerity matters more than the count.






