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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. The Goddess is easily appeased if one uses this rosary for the chanting of her Mantra and she bestows upon him wealth and comforts.