यो हि विद्वान्भवेत्कांत मूर्खाणां पथमेति हि । मूर्खश्चिंतयते नित्यं कथमर्थं ममैव हि
Indeed, the wise man, O dear one, follows a different path from fools; but the fool always worries, 'How will I obtain wealth for myself?'
सुभार्यामिह विंदामि कथं पुत्रानहं लभे । एवं चिंतयते नित्यं दिवारात्रौ विमोहितः
'How will I find a good wife here? How will I obtain sons?'—thus he constantly worries, deluded day and night.
क्षणमेकं प्रपश्येत चिंतामध्ये महत्सुखम् । पुनश्चैतन्यमायाति महादुःखेन पीड्यते
For a single moment, he may perceive great happiness amid his worries, but then awareness returns and he is afflicted again by great sorrow.
मित्राश्च बांधवाः पुत्राः पितृमातृसभृत्यकाः । संबंधिनो भवंत्येव कलत्राणि तथैव च
Friends, relatives, sons, fathers, mothers, and servants—all these become one's relations, as do wives as well.
सोमशर्मोवाच- संबंधः कीदृशो भद्रे तथा विस्तरतो वद । येन संबंधिनः सर्वे धनपुत्रादिबांधवाः
Somaśarman said: 'O blessed one, tell me in detail what kind of relationship this is, by which all these relations—wealth, sons, and other kin—are bound.'
सुमनोवाच- ऋणसंबंधिनः केचित्केचिन्न्यासापहारकाः । लाभप्रदा भवंत्येके उदासीनास्तथापरे
Sumanas said: 'Some are bound by debts, some by the taking of deposits; some become givers of gain, while others remain indifferent.'
भेदैश्चतुर्भिर्जायंते पुत्रमित्रस्त्रियस्तथा । भार्या पिता च माता च भृत्याः स्वजनबांधवाः
By these four distinctions are born sons, friends, wives, as well as wives, fathers, mothers, servants, and one's own kin and relatives.
स्वेनस्वेन हि जायंते संबंधेन महीतले । न्यासापहारभावेन यस्य येन कृतं भुवि
Each is born on earth through his own particular connection; by the act of taking or giving a deposit, whatever has been done by whom on earth.
न्यासस्वामी भवेत्पुत्रो गुणवान्रूपवान्भुवि । येनैवापह्रतं न्यासं तस्य गेहे न संशयः
The owner of the deposit becomes the son, endowed with virtue and beauty in the world; and the one by whom the deposit was taken, in his house—of this there is no doubt.
न्यासापहरणाद्दुःखं स दत्वा दारुणं गतः । न्यासस्वामी सुपुत्रोभून्न्यासापहारकस्य च
Because of the pain caused by taking the deposit, he departs after giving severe suffering; the owner of the deposit becomes a good son, and the taker of the deposit as well.
गुणवान्रूपवांश्चैव सर्वलक्षणसंयुतः । भक्तिं तु दर्शयंस्तस्य पुत्रो भूत्वा दिनेदिने
Endowed with virtues and beauty, possessing all auspicious marks, he shows devotion to that person, becoming his son day by day.
प्रियवाङ्मधुरो रोगी बहुस्नेहं विदर्शयन् । स्वीयं द्रव्यं समुद्गृह्य प्रीतिमुत्पाद्य चोत्तमाम्
Speaking sweet and pleasant words, though afflicted by illness, he displays much affection, takes possession of his own wealth, and produces the highest joy.
यथा येन प्रदत्तं स्यान्न्यासस्य हरणात्पुरा । दुःखमेव महाभाग दारुणं प्राणनाशनम्
Just as, by whomever it was given before, the taking away of a trust leads only to suffering, O blessed one, terrible and destructive of life.
तादृशं तस्य सौहृद्यात्पुत्रो भूत्वा महागुणैः । अल्पायुषस्तथा भूत्वा मरणं चोपगच्छति
In this way, out of friendship for him, becoming his son with great qualities, he is born with a short life and then meets with death.
दुःखं दत्वा प्रयात्येवं भूत्वाभूत्वा पुनःपुनः । यदा हा पुत्रपुत्रेति प्रलापं हि करोति सः
Causing sorrow, he departs, thus being born and dying again and again; whenever he laments, 'Alas, my son, my son!'
तदा हास्यं करोत्येव कस्य पुत्रो हि कः पिता । अनेनापहृतं न्यासं मदीयस्योपकारणम्
Then he laughs, saying, 'Whose son is he, and who is the father? By this one the trust was taken, which was for my benefit.'
द्रव्यापहरणेनापि न मे प्राणा गताः किल । दुःखेन महता चैव असह्येन च वै पुरा
Even by the taking of my wealth, my life was not lost; but before, there was great and unbearable suffering.
तथा दुःखं प्रदत्वाहं द्रव्यमुद्गृह्य चोत्तमम् । गंतास्मि सुभृशं चाद्य कस्याहं सुत ईदृशः
Thus, having caused suffering and taken the best wealth, I will depart today in great haste; whose son am I, such as I am?
न चैष मे पिता पुत्रः पूर्वमेव न कस्यचित् । पिशाचत्वं मया दत्तमस्यैवेति दुरात्मनः
He is not my father, nor was I ever his son, nor anyone else's before; I have given him the state of a demon, thus is the nature of the wicked.
एवमुक्त्वा प्रयात्येवं तं प्रहस्य पुनःपुनः । प्रयात्यनेन मार्गेण दुःखं दत्वा सुदारुणम्
Having spoken thus, he departs, laughing again and again; he goes by that path, having caused very terrible suffering.
एवं न्यासं समुद्धर्तुः पुत्राः कांत भवंति वै । संसारे दुःखबहुला दृश्यंते यत्रतत्र च
In this way, O beloved, sons who take away a trust are seen everywhere in the world, filled with much suffering.
ऋणसंबंधिनः पुत्रान्प्रवक्ष्यामि तवाग्रतः
I will now speak before you about sons connected with debt.
सुमनोवाच- ऋणसंबंधिनं पुत्रं प्रवक्ष्यामि तवाग्रतः । ऋणं यस्य गृहीत्वा यः प्रयाति मरणं किल
Sumanas said: I will tell you, before you, about the son connected with debt—he who, having taken a debt, indeed goes to death.
अर्थदाता सुतो भूत्वा भ्राता चाथ पिता प्रिया । मित्ररूपेण वर्त्तेत अतिदुष्टः सदैव सः
Becoming a son, or a brother, or a dear father, or acting as a friend, he always behaves in a most wicked manner.
गुणं नैव प्रपश्येत स क्रूरो निष्ठुराकृतिः । जल्पते निष्ठुरं वाक्यं सदैव स्वजनेषु च
He never perceives virtue; he is cruel, harsh in appearance, and always speaks harsh words even to his own people.
मिष्टंमिष्टं समश्नाति भोगान्भुंजति नित्यशः । द्यूतकर्मरतो नित्यं चौरकर्मणि सस्पृहः
He eats both sweet and unsweet things, always enjoys pleasures, is ever engaged in gambling, and desires the acts of theft.
गृहद्रव्यं बलाद्भुंक्ते वार्यमाणः स कुप्यति । पितरं मातरं चैव कुत्सते च दिनेदिने
He forcibly consumes the household wealth, and when restrained, he becomes angry; he reproaches his father and mother day by day.
द्रावकस्त्रासकश्चैव बहुनिष्ठुरजल्पकः । एवं भुक्त्वाथ तद्द्रव्यं सुखेन परितिष्ठति
He is a plunderer, a terrorizer, and speaks many harsh words; thus, having consumed that wealth, he remains at ease.
जातकर्मादिभिर्बाल्ये द्रव्यं गृह्णाति दारुणः । पुनर्विवाहसंबंधान्नानाभेदैरनेकधा
In childhood, through birth rituals and the like, the cruel one takes wealth; later, through various divisions arising from remarriage and other connections, in many ways.
एवं संजायते द्रव्यमेवमेतद्ददात्यपि । गृहक्षेत्रादिकं सर्वं ममैव हि न संशयः
Thus, wealth is produced in this manner, and likewise it is given away; all the house, land, and so forth are certainly mine alone, of this there is no doubt.