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A prayer for debt relief, financial stress and abundance

Karaj Utarya Satguru Kar Aahar Aap

ਕਰਜੁ ਉਤਾਰਿਆ ਸਤਿਗੁਰੂ ਕਰਿ ਆਹਰੁ ਆਪ

The True Guru has paid off my debt

  • Sri Guru Granth Sahib Ji
  • Ang 816
  • Raag Bilaval
  • Guru Arjan Dev Ji (Mahalla 5)
  • Released September 7, 2026

For the weight of money worries — loans, bills, a shortfall that keeps you up at night. The Guru's Word is described here as a treasury that is never exhausted.

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Gurmukhi · Transliteration · Meaning

Karaj Utarya Satguru Kar Aahar Aap — lyrics and meaning

Read each line in layers: the original Gurmukhi, a Roman transliteration to sing from, and the English meaning. Line numbers follow the order sung in the recording.

1

ਜੀਅ ਜੰਤ ਸੁਪ੍ਰਸੰਨ ਭਏ ਦੇਖਿ ਪ੍ਰਭ ਪਰਤਾਪ ॥

Jeea jant suprasann bhae dekh prabh partaap.

All beings and creatures are totally pleased, gazing on God's glorious radiance.

2
Title line

ਕਰਜੁ ਉਤਾਰਿਆ ਸਤਿਗੁਰੂ ਕਰਿ ਆਹਰੁ ਆਪ ॥੧॥

Karaj utaariaa satiguroo kar aahar aap. ||1||

The True Guru has paid off my debt; He Himself did it. ||1||

3

ਖਾਤ ਖਰਚਤ ਨਿਬਹਤ ਰਹੈ ਗੁਰ ਸਬਦੁ ਅਖੂਟ ॥

Khaat kharchat nibahat rahai gur sabad akhoot.

Eating and spending it, it is always available; the Word of the Guru's Shabad is inexhaustible.

4
Rahao · the central line

ਪੂਰਨ ਭਈ ਸਮਗਰੀ ਕਬਹੂ ਨਹੀ ਤੂਟ ॥੧॥ ਰਹਾਉ ॥

Pooran bhaee samagree kabahoo nahee toot. ||1|| Rahaau ||

Everything is perfectly arranged; it is never exhausted. ||1|| Pause ||

5

ਸਾਧਸੰਗਿ ਆਰਾਧਨਾ ਹਰਿ ਨਿਧਿ ਆਪਾਰ ॥

Saadhsang aaraadhanaa har nidh aapaar.

In the Saadh Sangat, the company of the holy, I worship and adore the Lord, the infinite treasure.

6

ਧਰਮ ਅਰਥ ਅਰੁ ਕਾਮ ਮੋਖ ਦੇਤੇ ਨਹੀ ਬਾਰ ॥੨॥

Dharam arath ar kaam mokh dete nahee baar. ||2||

He does not hesitate to bless me with righteousness, wealth, fulfilment of desires and liberation. ||2||

7

ਭਗਤ ਅਰਾਧਹਿ ਏਕ ਰੰਗਿ ਗੋਬਿੰਦ ਗੁਪਾਲ ॥

Bhagat araadheh ek rang gobind gupaal.

The devotees worship and adore the Lord of the Universe with single-minded love.

8

ਰਾਮ ਨਾਮ ਧਨੁ ਸੰਚਿਆ ਜਾ ਕਾ ਨਹੀ ਸੁਮਾਰੁ ॥੩॥

Raam naam dhan sanchiaa jaa kaa nahee sumaar. ||3||

They gather in the wealth of the Lord's Name, which cannot be estimated. ||3||

9

ਸਰਨਿ ਪਰੇ ਪ੍ਰਭ ਤੇਰੀਆ ਪ੍ਰਭ ਕੀ ਵਡਿਆਈ ॥

Saran pare prabh tereeaa prabh kee vadiaaee.

O God, I seek Your sanctuary — the glorious greatness of God.

10

ਨਾਨਕ ਅੰਤੁ ਨ ਪਾਈਐ ਬੇਅੰਤ ਗੁਸਾਈ ॥੪॥੩੨॥੬੨॥

Naanak ant na paaeeai beant gusaaee. ||4||32||62||

O Nanak, Your end or limit cannot be found, O Infinite Lord of the World. ||4||32||62||

Gurbani is quoted from Sri Guru Granth Sahib Ji, Ang 816. English renderings draw on the Sant Singh Khalsa translation and are lightly clarified for readers new to Gurbani.

About this shabad

For the weight of money worries — loans, bills, a shortfall that keeps you up at night. The Guru's Word is described here as a treasury that is never exhausted.

Composed by Guru Arjan Dev Ji (Mahalla 5) in Raag Bilaval. MedRise Gurbani presents it in a gentle, meditative arrangement so the words stay in front — sung for listeners who want to understand as they listen.

When to listen

A prayer for debt relief, financial stress and abundance. Play it in the morning before the day begins, or whenever the situation it speaks to is on your mind. Reading the meaning first turns listening into simran.

Available on Spotify, Apple Music, YouTube, Amazon Music, Deezer.

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