Answer

In Jain tradition, the Navkar Mahamantra is sometimes understood as containing nine spiritual treasures, called Nav Nidhi.

The Nav Nidhi of Navkar Mahamantra are generally explained as:

• Namo Arihantanam – Reverence to Arihants
• Namo Siddhanam – Reverence to Siddhas
• Namo Ayariyanam – Reverence to Acharyas
• Namo Uvajjhayanam – Reverence to Upadhyayas
• Namo Loe Savva Sahunam – Reverence to all Sadhus and Sadhvis in the universe
• Eso Pancha Namokkaro – This fivefold obeisance
• Savva Pavappanasano – Destroys all sins
• Mangalanam Cha Savvesim – Among all auspicious things
• Padhamam Havai Mangalam – It is the foremost auspicious

Explanation

Here, “Nav Nidhi” means the nine precious spiritual parts of the Navkar Mahamantra. These are not material treasures, but treasures of:

• faith,
• purity,
• humility,
• right direction,
• destruction of sinful karmas,
• and supreme auspiciousness.

The first five parts bow to the Pancha Parmesthi:

• Arihant
• Siddha
• Acharya
• Upadhyaya
• Sadhu-Sadhvi

The last four parts describe the greatness and spiritual fruit of this mantra.

Spiritual Understanding

The Navkar Mahamantra does not ask for worldly favors. It bows to the highest spiritual qualities. By reciting it with devotion and understanding, one develops humility, purity, and inspiration to follow the path of liberation.

Takeaway

The Nav Nidhi of Navkar Mahamantra are its nine sacred lines/parts, each carrying deep spiritual value and leading the soul toward purity and moksha.