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Since Lord Vishnu is considered supreme God of universe (at-least from Vaishnava's perspective), so each and every part of universe comes under him.

If this is the case how can Kubera lend huge amount of loan to supreme God and how can he put a condition that Lord Venkateshwara cannot return to Vaikunta until he clears his debt?

There is a well known story that Kubera gave loan to Srinivasa during his marriage with Padmavati.

Is there any reason/logic for Kubera to do like this? Can someone help me in understanding this concept? I didn't get much information outside of this site.

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    Even he gave loan to Lord Shiva as well. – Mr. Sigma. May 30 '17 at 10:42
  • Oh this I wasn't aware actually! – Sharma May 30 '17 at 10:53
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    It's just leela of Srinivasa. He wants to stay on earth so that He can remove sins (Vem kata) of people in kali Yuga. – The Destroyer May 30 '17 at 10:56
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    I think this is just a Leela of Lord Vishnu.It is also said that who ever donates money to this temple in the name of lord Venkateswara to help him repay the loan, he blesses them with innumerable riches.So he took the loan inorder to bless his devotees and to give wealth to them by doing this act. – SwiftPushkar May 30 '17 at 10:56
  • ^^ Above both, yes even I was thinking so! – Sharma May 30 '17 at 11:00
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It's just Vishnu's Lila.. You can see how farcical the situation is in this excerpt from the Sthala Purana (temple scripture) of Tirupati. Vishnu pretended to be so concerned about money that he didn't even want to give food to a messenger. Then he asked for a loan for wedding expenses from Kubera, who said that Vishnu is the supreme lord and all the Universe's riches belong to him, but agreed to give the loan anyway:

He thought that a messenger should leave in advance without taking food even. "My dear boy, proceed to Narayanapura in advance. Don't waste time. The four forces and sages will accompany you" said Srinivasa to a messenger. Brahma, however, felt that it would be better if the messenger left after taking food. "You are not considering the circumstances. You are speaking like a child. So much expenditure has to be met!" pointed out Srinivasan. Brahma kept quiet. Lord Shiva intervened and said: "As in the case of construction of a house, so also performance of marriage! One should try his best. Meeting heavily expenditure also, all arrangements have to be made." The bridgegroom asked "who will be my creditor to finance a grand marriage? Mere talk is of no use."

Kubera was present there. The bridegroom, Brahma and Shiva took him aside to a solitary place west of Swami Pushkarini. "Kindly advance the amount needed for the marriage to he bride-groom," Kubera requested. "The entire Universe is at your beck and call. All my money is yours. I have no control over it. You are its master" said Kubera [to Vishnu]. Finally, Kubera agreed to lend the money required if the necessary document was executed by the debtor. Brahma then dictated a promissory note. The note was executed. "This, the 7th day of the bright-fortnight of the month of Vysakha in Kaliyuga, The debtor is Srinivasa, the creditor is Dhaneswara. Purpose: marriage of the loanee. Amount of loan fourteen lakhs in Ramamudra coins. The loanee should repay it with interest in one thousand years after the loanee's marriage." Brahma and Siva attested as witnesses. The scribe was the loanee himself. After accepting the promissory note, Kubera paid the amount in cash.

I think that the 1000 years is Deva years, not human years, i.e. the duration of the loan is the Kali Yuga. In any case, this whole Lila of the loan benefits devotees, so that they can donate money to Venkateshwara to help repay the loan and thereby acquire Punya themselves.

  • The TTD authorities further clarify - that the Hundi collections are merely enough to pay the accrued interest to Kubera - the loan itself will be settled at the end of Kali Yuga - when Pratyaksha Kali Yuga Devata will complete His avataara. – Suresh Ramaswamy Jan 18 '18 at 8:48

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