You may have come across her on YouTube, or heard a friend mention "the most powerful wealth deity in Tibet" — Dzaki Lhamo. Within Tibetan Buddhism she stands out for one simple reason: she isn't one of the familiar male wealth gods, but a female wealth deity, enshrined at the Dzaki Temple in Lhasa. This piece follows the account passed down at that temple to tell you plainly who she is, how "the only temple to a female wealth deity in all of Tibet" came to be, and how her mantra is chanted — no detours.
Dzaki Lhamo (Zakiram) is a female worldly wealth deity in Tibetan Buddhism, enshrined at the Dzaki Temple in Lhasa and honored by many devotees across Tibetan and Han Chinese communities as one of the most responsive wealth deities there is.
The Dzaki Temple in Lhasa: Tibet's Only Temple to a Female Wealth Deity
The Dzaki Temple sits in Lhasa, and by reputation it is the only temple in the whole of Tibet whose principal deity is a female wealth goddess. Its origin story is more interesting than you might expect: the temple wasn't built to ask for money at all — it was built to pray for the safety of the travelers passing through.
As the legend goes, among the people who came to pay their respects, a great many were merchants and traders, and after praying here they often found their businesses thriving and money flowing more freely. Word spread from one person to ten, from ten to a hundred, and the Dzaki Temple gradually earned its name as "the most responsive wealth temple," with Dzaki Lhamo becoming the wealth deity in the hearts of countless businesspeople. That shift — from "keep the travelers safe" to "the most responsive wealth temple" — tells you something in itself: the kind of reputation that lasts usually grows from real, felt experience and word of mouth, not from any claim made about it.
What Kind of Deity Is Dzaki Lhamo? The Meaning of a "Worldly Protector"
Dzaki Lhamo belongs to a category in Tibetan Buddhism known as the worldly protector deities. The term carries a specific meaning: a worldly protector is understood to be a deity still active within the human world, holding a close karmic bond with ordinary devotees. She is seen as nearer to people and more direct in her responses — unlike the transcendent buddhas and bodhisattvas, who are regarded as far more remote.
Tradition holds that Dzaki Lhamo often appears in female form to help those who come to her — clearing obstacles, turning luck around, and bringing abundance into being. Precisely because her responsiveness was believed to be so strong, the Dzaki Temple has for centuries drawn people seeking divination and guidance, and devotees in both Tibetan and Han Chinese communities have held deep faith in her. What makes her distinctive isn't only the rare status of "female wealth deity," but that sense of nearness — a deity felt to be close at hand, answering those who ask.
The Dzaki Lhamo Heart Mantra: Om Ma Mo Na Mo Tong Tong Za Za So Ha
The form of the heart mantra that Universe Bella has compiled — and the one used in the audio above — is:
嗡 麻摩 拿摩 統統 扎扎 搜哈
(Om Ma Mo Na Mo Tong Tong Za Za So Ha)
Since most English readers won't read those characters, the romanization above is your guide — roughly ohm · mah-mo · nah-mo · tong-tong · dza-dza · so-ha. That said, a mantra really lives in the overall flow of its sound, so the most reliable way to get the pronunciation right is to chant along with Universe Bella's audio above rather than working from a spelling. The romanization is only there to help you find your footing.
A mantra rests in its sound; the written form is just a reference to help you match it. Traditionally, a wealth mantra like this is chanted once a day — the point was never the count, but whether you chant with focus and with a kind heart.
You might be wondering what these syllables actually mean. With Tibetan heart mantras, though, the aim has never been to "understand the words." It's the meeting of sound and mind: those unfamiliar syllables work like a key that draws your attention back inward and tunes you to a particular state. So even if you don't know the literal sense, chanting with focus and goodwill still does its work. What you're really aligning isn't how perfectly your tongue forms the sounds, but the trust and gratitude you carry while you chant.
What the Dzaki Lhamo Mantra Is Traditionally Used For
In the tradition of the Dzaki Temple, Dzaki Lhamo is regarded as a highly responsive wealth deity, and what people most often ask of her is, unsurprisingly, wealth and smooth-running business — the very thing that turned the temple from a place to "pray for safety" into "the most responsive wealth temple." But as a worldly protector believed to be close at hand, she is traditionally petitioned for more than money alone:
- Prosperity and thriving business: the main request, especially valued by merchants and people in trade.
- Clearing obstacles and turning luck: when things feel stuck and nothing seems to go right, people ask her to help shift the situation and loosen whatever is blocking the way.
- Safety and protection: remember that the temple was first built to keep travelers safe — watching over people's wellbeing has always been part of her role.
It has to be said honestly, though: these are "benefits" within a tradition of belief, not guarantees. As Universe Bella keeps emphasizing, a mantra or a piece of audio is a tool for adjusting your own state of mind and aligning with what's within you — and the effect varies from person to person. What actually lets good things happen is steady practice, a generous heart, and real action and giving in daily life. Understanding the "benefit" as "getting your mind and your actions ready" sits far closer to its purpose than treating it as a wishing machine.
How to Chant and Practice the Dzaki Lhamo Mantra
Whether you chant along with the audio or quietly on your own, the direction is the same. Keep three steps in mind:
1. Set your intention first. Before you begin, form a kind wish inwardly — something like, "May I live in abundance, and may I have the means to share it." The door of a wealth practice opens from a willingness to give, not from craving.
2. Chant with focus. Following the audio, once a day, move through it slowly, line by line, holding gratitude. Don't let your mind wander off while your mouth runs on, and don't rush to calculate "what happens once I've chanted it so many times." As you chant, you can picture clearly in your mind the scene you hope to realize, along with the felt sense that it is "already here."
3. Remember to dedicate the merit. When you finish, gently dedicate whatever good this practice generated to all beings. The more willing you are to send the good outward, the more freely the energy of abundance flows.
If you'd like a simple version you can keep up over the long run, try this: pick a fixed time — just after you wake, or right before sleep — find a few undisturbed minutes, take three slow deep breaths to settle, then chant the Dzaki Lhamo heart mantra once along with the audio, seeing clearly in your mind the thing you want to bring about. When you're done, sit quietly for a moment, let that grounded sense of "things are moving in a good direction" stay with you, and then dedicate the merit. The whole routine takes under ten minutes — the key is doing it every day, not doing it for a long stretch once.
The Part This Tradition Values Most: Giving Back After a Wish Comes True
If there's one step in the Dzaki Lhamo practice you really can't skip, it's this: returning to give thanks once a wish has been fulfilled. It's an idea Universe Bella comes back to again and again — asking for wealth isn't a one-way taking, it's a cycle of energy.
Traditionally, people who came to the Dzaki Temple with a wish would return to "repay" it after the wish came true — through giving and good deeds, letting what they'd received flow outward again. And this giving doesn't have to be money. Giving material help is one kind; sharing wisdom and good knowledge is another; even offering someone a genuine smile is a form of giving. The threshold is low — it might be a small donation to a cause you believe in, passing on a method that helped you to someone who needs it, or simply a little more patience and kindness toward the people who serve you and the family around you. What matters isn't the size of the sum, but whether you truly hold "once I've received, I'm willing to give back" in your heart. This step can look unrelated to "making money," yet it's the heart of the whole wealth practice: the more willing you are to give, the more the road opens. Practicing the Dzaki Lhamo mantra alongside "giving back and offering" is what makes it a complete practice. For a fuller picture of the Tibetan wealth-deity tradition, see our overview of wealth-deity mantras; and if you'd like to work with five wealth deities at once, you can practice the Five Wealth Gods mantra. These can all run side by side — the core spirit is the same: be willing to give first, and wealth has somewhere to stay.
Frequently Asked Questions
Who is Dzaki Lhamo, and why is she called "the only female wealth deity"?
Dzaki Lhamo is a female worldly wealth deity in Tibetan Buddhism, enshrined at the Dzaki Temple in Lhasa. What makes her unusual is that most Tibetan wealth deities are male, while the Dzaki Temple is the only temple in Tibet whose principal deity is a female wealth goddess — which is why she's often described as Tibetan Buddhism's only female wealth deity. She belongs to the "worldly protector deities," regarded as close to people and direct in her responses.
How do you chant the Dzaki Lhamo mantra, and how many times a day?
The form Universe Bella has compiled is "Om Ma Mo Na Mo Tong Tong Za Za So Ha." Traditionally, chanting it once a day is enough, and chanting along with the channel's audio gives you the most accurate pronunciation. More important than the number of repetitions is whether you chant with focus, goodwill, and gratitude.
Does chanting the Dzaki Lhamo mantra really bring wealth?
Honestly, a mantra or a piece of audio is a tool for aligning you with what's within and with the energy around you — not a guarantee that "chant it and money appears." Everyone's state is different, so what people feel differs too. But when you keep at it steadily, hold a kind heart, and actually give and take action in daily life, positive shifts tend to unfold over time. Placing it as "adjusting your mindset alongside action" is far closer to its real purpose than treating it as a shortcut to getting rich.
How is Dzaki Lhamo different from the Five Wealth Gods mantra?
Dzaki Lhamo is a single female worldly protector and wealth deity, from the lineage of the Dzaki Temple in Lhasa; the Five Wealth Gods mantra is a complete system that brings together the yellow, white, black, red, and green wealth deities in one practice. You can choose one, or practice both — at their core they share the same principle: a cycle of giving and goodwill.
Do I need to take refuge, or travel to the Dzaki Temple, to chant this mantra?
No. If you're simply treating it as a personal practice for quieting the mind and inviting abundance, there are no prerequisites. Universe Bella presents it from the angle of cultural education and personal practice — it doesn't involve religious rules, and it isn't tied to any group. A sincere heart and a kind intention are a perfectly good place to begin.
⚠️ If anything in the mantra is inaccurate, please let us know via Contact Us and we'll verify and correct it as soon as we can. The accuracy of a mantra matters deeply — thank you for the reminder.