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It symbolizes Goddess Lakshmi. A person desirous of much wealth should perform Jaap of Goddess Lakshmi with a rosary of Kamal Gatta of 108 beads. It is said that it renders plenty of wealth to the person and if it performed on Akshaya Tritiya with a Kamal Gatta rosary.Kamal gatta mala is also known as dried lotus bead mala. Poverty is the worst curse of life. To banish this curse that could be haunting a house for generations one must try this mala. Lakshmi is also called Kamalvaasini - i.e. one who sits on a lotus. This is why for the Sadhana and Mantra chanting of Lakshmi we use a special rosary made of seeds of lotus which is called Kamalgatta mala.