Agnq swhu ApnI dy rwis ]

aganath saahu apanee dhae raas ||

God the Banker gives endless capital to the mortal,

Kwq pIq brqY And aulwis ]

khaath peeth barathai anadh oulaas ||

Who eats, drinks and expends it with pleasure and joy.

ApunI Amwn kCu bhuir swhu lyie ]

apunee amaan kashh bahur saahu laee ||

If some of this capital is later taken back by the Banker,

AigAwnI min rosu kryie ]

agiaanee man ros karaee ||

The ignorant person shows his anger.

ApnI prqIiq Awp hI KovY ]

apanee paratheeth aap hee khovai ||

He himself destroys his own credibility,

bhuir aus kw ibsÍwsu n hovY ]

aucwrx ibsÍwsu: ibsuAwsu bolo

bahur ous kaa bisvaas n hovai ||

And he shall not again be trusted.

ijskI bsqu iqsu AwgY rwKY ]

jis kee basath this aagai raakhai ||

When one offers to the Lord, that which belongs to the Lord,

pRB kI AwigAw mwnY mwQY ]

prabh kee aagiaa maanai maathhai ||

And willingly abides by the Will of God's Order,

aus qy caugun krY inhwlu ]

ous thae chougun karai nihaal ||

The Lord will make him happy four times over.

nwnk swihbu sdw dieAwlu ]2]

naanak saahib sadhaa dhaeiaal ||2||

O Nanak, our Lord and Master is merciful forever. ||2||