jAMbUnadAMbarAdhAram nitaMbaMchiMtyamIshituH |

svarNamaMjIrasamvItaM- ArUDhaMjagadaMbayA || 3 ||

jAMbUnad+AmbarA+dhAram = gold like cloth

nitaMbaM+chiMtyam+IshituH= during meditation think of pitambhara covered waist ( kati)

 nitaMbaM (Neuter gender; nitambha musculine) = In samskrita nitamba means backside of waist of women. In the shloka neuter gender is used, dhivitya vibhakti. Does not follow panini grammar/ follows vaidika grammar.

svarNa+maMjIra+samvItaM =  golden waistband = kanchi

Manjeera = anklet; manjeera pada bhushanam  = majidhavano = one which gives pleasant sound

ArUDhaM+jagad+aMbayA= on who’s laps lakshmi rests

Lakshmi has 2 roopas according to vedas = sri, lakshmi

In narayana upanishad = Srishchyate laskhmishcha patyno = 2 wives of Narayana

Trivikramapanditacharya says:

Sri = one who sits on lap

Lakshmi = one who is in heart

When  Narayana vigraha  is in standing pose we think of Sri, Bhu / Satyabhama, Rukmini. In sitting pose we do anusandhana of Sri/Lakshmi.

Sri = one who finds refuge on lap = ankam stitha srihi

Lakshmi = one who is attribute to the heart = vakshashi lakshana bhuta lakshmihi

Same thing is said by kapila in bhagavatha. Here too nitambha is used by vedavyasaru.

The waist of the Lord is covered by a golden cloth and is surrounded by a golden waistband (Manjeera – Odyaana). Sri Lakshmi is always resting there (she sits on His lap, with her hands around His waist). Such a waist is to be contemplated. (by those desiring Mukthi).