Diwali 2026 at home, your family's way: when to do the puja, how to do it, and what to keep ready

Mumbai does not do one Diwali. The Sindhi family in Chembur Camp washes coins in milk at a small clay shrine. The Gujarati trader two lanes down lays the same coins on a red account book. The Maharashtrian home worships a new broom, and the Tamil family has finished its festival by breakfast. If you grew up with one of these and now run your own home, this page is the phone call to your mother, written down: what to prepare two days before, the day before, and what to do on the day, with Mumbai timings.
The main evening
Sunday 8 November, 6:27 to 8:27 PM in Mumbai
The week
Dhanteras Friday 6 to Bhai Dooj Wednesday 11
Nine traditions
Pick yours below. Save the days as a card.
Your family's Diwali, day by day
Every plan is the common household version. Where your elders do it differently, they are right and this page is not. The card under each plan can be saved or forwarded to the family group.
Maharashtrian
Six days: Vasubaras, Dhantrayodashi, Narak Chaturdashi with the abhyangasnan, Lakshmi Pujan, Diwali Padwa and Bhaubeej. The Lakshmi Pujan is on Sunday evening; the oil bath is the same Sunday before sunrise.
Vasubaras
Thu 5 Nov
Morning, cow and calf puja
Dhanteras
Fri 6 Nov
Puja and buying 6:35 to 8:35 PM
Narak Chaturdashi
Sun 8 Nov
Oil bath 5:45 to 6:42 AM
Lakshmi Puja
Sun 8 Nov
6:27 to 8:27 PM
Diwali Padwa
Mon 9 Nov
Morning aukshan, gift to the wife
Bhaubeej
Wed 11 Nov
Tilak 1:30 to 3:46 PM
Two days before
- 1Finish the cleaning. Make or order the faral: karanji, ladoo, chakli, chivda, shankarpale.
- 2Buy utane, til oil, the bitter karit fruit, dhane and gul, and a new broom.
- 3Decide the silver for the Lakshmi Pujan: a Lakshmi Ganesh murti or image, one diya for the aarti, a small katori for haldi and kumkum. Coins and jewellery already in the house go on the plate.
The day before
- 1Rangoli at the door and the akashkandil up. Lamps washed, wicks and oil ready.
- 2Vasubaras (Thursday) if your family keeps it: the cow and calf are worshipped, and milk, curd and ghee are skipped that day.
- 3Dhanteras evening (Friday): flour diyas for the men of the house, the lamp for Yama at dusk, dhane-gul offered and shared. Buying in the 6:35 to 8:35 PM window.
On the day
- 1Before sunrise on Sunday: a warm til oil massage, then the abhyangasnan, the festival bath, with utane (the herbal bath powder) instead of soap. Crush the bitter karit fruit under the big toe after.
- 2New clothes, faral, lamps through the day.
- 3Evening, 6:27 to 8:27 PM: Lakshmi Pujan. Ganesh first, then Lakshmi, with the family's coins, jewellery and the new broom placed before her. The broom is worshipped with haldi-kumkum and kept clean, never stepped on.
- 4Offer lahya, batase and dhane-gul; aarti; one lamp kept burning all night.
- 5Monday, Padwa: the wife does aukshan for her husband, waving the lit lamp before him, and he gives her the gift. Padwa is one of the three and a half days of the year that need no muhurat, so gold bought that morning needs no other timing.
- 6Wednesday, Bhaubeej: the sister does aukshan for her brother between 1:30 and 3:46 PM, and he gives the ovalni gift.
Keep ready
- Lakshmi Ganesh murti
- Silver diya
- Katori for haldi-kumkum
- Aukshan thali
- Coins for the plate
- Kamdhenu for Vasubaras
- Til oil, utane, karit
- New broom
- Lahya, batase, dhane-gul
- Who gives what
- Husband to wife on Padwa. Brother to sister on Bhaubeej. Faral boxes to neighbours.
- The food that marks it
- Faral, dhane-gul, lahya and batase.
Gujarati
Dhanteras, Kali Chaudas, Diwali with Chopda Pujan, Bestu Varas (the new year), Bhai Bij and Labh Pancham. The books are worshipped on Sunday in one of the day's good windows (the choghadiya); the year turns on Monday morning.
Dhanteras
Fri 6 Nov
Puja and buying 6:35 to 8:35 PM
Kali Chaudas
Sat 7 Nov
Evening, Hanuman puja
Chopda Pujan
Sun 8 Nov
1:47 to 3:12 PM or 6:02 to 10:47 PM
Bestu Varas
Mon 9 Nov
Temple at dawn, Annakut
Bhai Bij
Wed 11 Nov
Tilak 1:30 to 3:46 PM
Labh Pancham
Sat 14 Nov
Shops reopen, first entry
Two days before
- 1Buy the new red chopda (the account book) and the kankotri (the printed invitation card for the puja). Start the mithai: mohanthal, ghughra, sukhdi.
- 2Dhanteras (Friday): silver or gold coins, a Lakshmi Ganesh murti or image, new utensils, diyas and a broom, bought in the 6:35 to 8:35 PM window.
The day before
- 1Kali Chaudas (Saturday): oil applied before daybreak and a bath. Hanuman is worshipped in the evening; the naivedya is udad dal vada with puri.
- 2Saathiya and rangoli at the door; the puja corner set with a chowki and red cloth.
On the day
- 1Pick one of the day's good windows on Sunday: 1:47 to 3:12 PM, or 6:02 to 10:47 PM. There is also a short morning one, 11:27 AM to 12:22 PM.
- 2Set the kalash and the images of Lakshmi, Ganesh and Maa Sharda; the Gujarati order gives Saraswati her place first.
- 3Place the new chopda before them, tie with thread, tilak of kumkum and haldi on each book. On the first page: Swastik, Om and Shubh-Labh; many open with Shri Sava. A laptop lid gets the same marks now.
- 4Gold and silver coins laid on the books; flowers, sweets and coins offered; aarti; a lamp kept burning.
- 5Monday, Bestu Varas: temple at dawn, Annakut, Saal Mubarak to everyone, elders' feet touched first.
- 6Saturday 14 November, Labh Pancham: the shop or office reopens, the ledgers and Ganesha are worshipped with kumkum, and Swastik and Shubh-Labh go on the threshold.
Keep ready
- Coins for the chopda
- Lakshmi Ganesh silver bar
- Lakshmi Ganesh murti
- Kalash
- Diya
- Lakshmi Kuber peti for the counter
- Chopda and kankotri
- Kanku, haldi, red thread
- Mohanthal, ghughra, sukhdi
- Who gives what
- Sweets and dry-fruit boxes to staff, neighbours and business contacts. Brother to sister on Bhai Bij. Elders to children on Bestu Varas.
- The food that marks it
- Mohanthal and ghughra; udad vada on Kali Chaudas.
Jain
Diwali is Mahavir Nirvana, the night Bhagwan Mahavir attained moksha, and the next morning is the new year, marked by Gautam Swami's kevalgyan. Trading families also do the chopda pujan. It is a festival of light and reflection, not of noise.
Dhanteras
Fri 6 Nov
Puja and buying 6:35 to 8:35 PM
Mahavir Nirvana
Sun 8 Nov
Temple, ladoo, lamps at dusk
Nutan Varsh
Mon 9 Nov
Gautam Swami kevalgyan, chopda pujan
Labh Pancham
Sat 14 Nov
Shops reopen, first entry
Two days before
- 1Clean the house and the ghar derasar. Arrange the Nirvan ladoo for the temple.
- 2Buy the new chopda if the family trades; ghee diyas, kesar-chandan, vaskshep and rice for the sathiya.
The day before
- 1Many Shvetambar families begin a two-day fast covering Diwali and the new year; the Uttaradhyayan Sutra is read.
- 2Lamps cleaned and set; no firecrackers bought in most homes, on the ahimsa principle.
On the day
- 1Sunday: temple darshan; the Nirvan ladoo offered after praying to Bhagwan Mahavir.
- 2Recitation of the Uttaradhyayan Sutra, his last discourse, and japa through the night.
- 3Ghee diyas at dusk, for the light of his enlightenment.
- 4Monday: new year greetings, marking the day Gautam Swami reached enlightenment, and a temple visit. In trading families the account book is placed on a low stool facing east or north in the muhurat, the Gautam Swami Ashtak is recited and his blessings asked for the year.
- 5Saturday 14 November, Labh Pancham, among Gujarati Jain families: the reopening day.
Keep ready
- 24 Tirthankar pooja peti
- Jain gifts
- Ghee diyas
- Coins for the chopda
- Nirvan ladoo
- Kesar-chandan, vaskshep
- New chopda
- Who gives what
- Sweets and dry fruits. Donations to the sangh and to jeev-daya rather than fireworks.
- The food that marks it
- Nirvan ladoo.
Practice differs between Digambar, Shvetambar and Sthanakvasi homes, including whether any Lakshmi puja is done at all and what is written in the ledger. Follow your family's vidhi booklet; this page does not print a ledger formula as fact.
Marwari and Rajasthani
Dhanteras with the new bahi and kalam, Roop Chaudas, Lakshmi Ganesh pujan with the bahi-khata on Sunday evening, Govardhan and Annakut on Monday, Bhai Dooj on Wednesday. The shop and the home are both dressed.
Dhanteras
Fri 6 Nov
Puja and buying 6:35 to 8:35 PM
Lakshmi Puja
Sun 8 Nov
6:27 to 8:27 PM
Govardhan Puja
Mon 9 Nov
3:46 to 6:02 PM
Bhai Dooj
Wed 11 Nov
Tilak 1:30 to 3:46 PM
Two days before
- 1Buy the new bahi and kalam, new utensils, silver coins and a Lakshmi Ganesh idol. Order ghewar and laddoo.
- 2Deep-clean the shop and the gaddi; rangoli and toran at both doors.
The day before
- 1Dhanteras evening (Friday): thirteen diyas lit, and the south-facing Yama deepam at the entrance for the whole night, the one lamp lit on no other day.
- 2Roop Chaudas: the oil bath before sunrise on Sunday, if the family keeps it.
On the day
- 1Bathe; set the gaddi or chowki with a red cloth at the shop or in the puja room.
- 2Seat Lakshmi and Ganesh; place the new bahi-khata before them, tied with red or yellow thread, each marked with a haldi swastik and a kumkum tilak.
- 3Kalash, diyas, flowers, coins and the cash box. Ganesh puja first, then Lakshmi, in the 6:27 to 8:27 PM window.
- 4Write the opening invocation in the ledger and a token first entry. Aarti, often closing with the Satyanarayan aarti; prasad and sweets to staff.
- 5Monday, Govardhan: a small Govardhan of cow dung or grain in the courtyard, dressed with flowers, tulsi and lamps; the Annakut thali arranged around it, 3:46 to 6:02 PM.
- 6Wednesday, Bhai Dooj: the sister's tilak in the 1:30 to 3:46 PM window; the brother's gift.
Keep ready
- Silver coins
- Lakshmi Ganesh silver bar
- Lakshmi Ganesh murti
- Kalash
- Diyas
- Lakshmi Kuber peti for the gaddi
- Bahi-khata and kalam
- Red or yellow thread, haldi, kumkum
- Ghewar, laddoo
- Who gives what
- Employer to staff: sweets, a bonus, a silver coin. A silver coin for the new bahu. Mithai and dry-fruit boxes to business contacts. Brother to sister.
- The food that marks it
- Ghewar and laddoo; Annakut on Monday.
Sindhi
Diyari is three days: Diyari itself with the Lakshmi puja at the hatri, then Badu and Chandu. Chembur's Sindhi homes have kept the hatri, the coins washed in milk and the Sai bhaji dinner since the Camp was built.
Dhanteras
Fri 6 Nov
Puja and buying 6:35 to 8:35 PM
Diyari
Sun 8 Nov
Lakshmi puja at the hatri, evening
Badu
Mon 9 Nov
Bal Pirtipada
Chandu
Wed 11 Nov
Yama Dwitiya
Two days before
- 1Finish all the cleaning now; the broom is not used on Diyari itself.
- 2Get the hatri, the small shop-shaped shrine of clay, wood or a steel plate. Buy gold or silver coins, sindoor and the blue guli, and chikki.
The day before
- 1Draw the butada, the diagram of sindoor and guli, on each hatri and on the wall beside the puja space.
- 2A green wild fruit, the mitero, on each hatri for greenery and wellbeing. Set out the three matkas of sweets and dry fruits, the reminder to save.
- 3Cook the Sai bhaji and rice.
On the day
- 1No sweeping, no vacuum. The house was cleaned in advance.
- 2Set the hatris with their diyas and light them at dusk.
- 3Wash the gold and silver coins in unboiled milk and water. Take one coin from the lot and tap it gently against your teeth: Lakshmi aayi, danat vaai. Lakshmi has come, poverty has gone.
- 4Lakshmi puja at the hatri with flowers, diyas and kumkum, in the 6:27 to 8:27 PM window.
- 5Offer chikki and kheel; then the Sai bhaji dinner with rice and something sweet with jaggery.
- 6Keep the house open through the night to welcome Lakshmi, lamps burning.
Keep ready
- Silver and gold coins for the milk wash
- Lakshmi Ganesh silver bar
- Diyas for the hatri
- Small katori for the coins
- Hatri (clay, wood or steel)
- Sindoor and guli
- Mitero, three matkas
- Chikki, kheel
- Who gives what
- Sweets and dry fruits between families; elders give a coin or cash to children. (Common practice, not a written rule.)
- The food that marks it
- Chikki, kheel, and Sai bhaji with rice.
Punjabi, North Indian and Sikh
Dhanteras, Choti Diwali, the Lakshmi Ganesh puja on Sunday evening, Govardhan on Monday and Bhai Dooj on Wednesday. Sikh families keep the same night as Bandi Chhor Divas at the gurdwara, with lamps at home and no murti puja.
Dhanteras
Fri 6 Nov
Puja and buying 6:35 to 8:35 PM
Choti Diwali
Sun 8 Nov
Morning bath and a few diyas
Lakshmi Puja
Sun 8 Nov
6:27 to 8:27 PM
Govardhan Puja
Mon 9 Nov
3:46 to 6:02 PM
Bhai Dooj
Wed 11 Nov
Tilak 1:30 to 3:46 PM
Two days before
- 1Clean the house. Order mithai and dry-fruit boxes.
- 2Dhanteras (Friday): the classic buys are a silver coin, a Lakshmi Ganesh idol, new utensils, diyas and a broom, in the 6:35 to 8:35 PM window. Thirteen diyas and the south-facing Yama deepam at the threshold that night.
The day before
- 1Rangoli and toran; diyas washed, wicks and oil ready; the chowki, red cloth and kalash set in the puja corner.
- 2Sikh families: seva at the gurdwara, kada prasad and panjiri at home.
On the day
- 1Morning: bath, new clothes, a small Choti Diwali puja and a few diyas.
- 2Evening, 6:27 to 8:27 PM: the common Lakshmi Ganesh puja (steps below). Ganesh first, then Lakshmi with the panchamrit abhishek, kheel-batasha and sweets, aarti.
- 3Light the house in order: the entrance threshold first, then window sills, the staircase, the tulsi, the puja room. One lamp burns all night.
- 4Monday, Govardhan: the cow-dung or grain hill, Krishna's Annakut, gau puja, 3:46 to 6:02 PM.
- 5Wednesday, Bhai Dooj: the sister's tilak in the 1:30 to 3:46 PM window, aarti, a sweet; the brother's gift.
- 6Sikh homes: prayers, kirtan and langar at the gurdwara on Sunday night; diyas and sweets at home, and many families buy gold or silver on the day with no puja attached.
Keep ready
- Lakshmi Ganesh murti
- Silver coin
- Kalash
- Diyas
- Panchpatra and achmani
- Pooja thali
- Panchamrit, kheel-batasha
- New broom, roli, akshat, camphor
- Who gives what
- Mithai and dry-fruit boxes, offered to elders first. A silver coin for the new bahu. Brother to sister on Bhai Dooj.
- The food that marks it
- Kheel-batasha and mithai; kada prasad and panjiri in Sikh homes.
Tamil
Deepavali is the pre-dawn of Naraka Chaturdashi: in 2026 that is Sunday 8 November, before sunrise, the same day Lakshmi Puja falls in the evening for others. Karthigai Deepam follows on Tuesday 24 November with the lamps.
Deepavali
Sun 8 Nov
Oil bath before sunrise, 5:45 to 6:42 AM
Lakshmi Kubera puja
Sun 8 Nov
Evening, in homes that keep it
Karthigai Deepam
Tue 24 Nov
Lamps at dusk
Two days before
- 1New clothes for everyone. Nallennai (gingelly oil), shikakai, kadalai maavu, turmeric root and sunnambu.
- 2Make or buy the Deepavali marundhu, the lehiyam, plus sweets and murukku.
The day before
- 1Infuse the oil overnight. Mark the new clothes with turmeric, a dot in each corner, and place them before the deities.
- 2Keep a little Ganga jal from the puja room for the bath water. Kolam at the door.
On the day
- 1Wake before sunrise on Sunday. The elder gives the ennai sastra, warm oil on the head, massaged into the scalp.
- 2Turmeric paste on the feet, then the Ganga snanam, the festival bath: a few drops of Ganga jal in the water, washed off with gram flour or shikakai, not soap. The window is 5:45 to 6:42 AM.
- 3Wear the turmeric-marked new clothes; touch elders' feet.
- 4Eat the Deepavali marundhu first, before any sweet.
- 5Lamps, a few crackers at dawn, sweets, visits. Optional evening Lakshmi Kubera puja: sixteen ghee lamps if you can, archanai for Mahalakshmi, coins for Kubera.
- 6Tuesday 24 November, Karthigai Deepam: kolam at the entrance, the tall standing lamp (kuthu vilakku) and the small clay lamps (agal vilakku) filled with sesame oil or ghee, the main lamp lit before the deity first at dusk, then every lamp in the house.
Keep ready
- Silver kuthu vilakku and diyas
- Coins for Kubera archanai
- Panchpatra
- Nallennai, shikakai, kadalai maavu
- Turmeric root, sunnambu, Ganga jal
- Deepavali marundhu
- Sesame oil and cotton wicks
- Who gives what
- Elders to the whole family: new clothes, the main gift of the day. Sweet and savoury boxes to neighbours; cash to house help.
- The food that marks it
- The marundhu first, then sweets and murukku.
One calendar lists Karthigai Deepam on 25 November rather than 24; check your family's Tamil panchangam before you plan the lamps.
Telugu and Kannada
Naraka Chaturdashi at dawn is the principal day, the Lakshmi puja is that evening, and Bali Padyami follows on Monday. In Karnataka the week runs from Naraka Chaturdashi to Bali Padyami, with Kedara Gauri vrata in some homes.
Narak Chaturdashi
Sun 8 Nov
Oil bath 5:45 to 6:42 AM
Lakshmi Puja
Sun 8 Nov
6:27 to 8:27 PM
Bali Padyami
Mon 9 Nov
Morning, Bali figure and go puja
Two days before
- 1New clothes and lamps. The oil: til in most homes, coconut oil along the coast, castor oil (haralenne) in old Mysore families. The herbal ubtan.
- 2Cow dung for the Bali figure; Mysore pak or Dharwad pedha ordered.
The day before
- 1Clean the house; the goushala, if the family has one, is cleaned ceremonially before Bali Padyami.
- 2Rangoli; brass and silver lamps cleaned and filled.
On the day
- 1Before sunrise on Sunday: the abhyanga snana, oil massage and the herbal paste, 5:45 to 6:42 AM.
- 2New clothes, elders' blessings, lamps at the door.
- 3Evening: the house cleaned and lit, rangoli drawn, Lakshmi and Ganesha worshipped with lamps, kumkum and naivedya; the mantra your family uses, commonly Om Shreem Mahalakshmyai Namah.
- 4Karnataka homes may keep the Kedara Gauri vrata for Parvati.
- 5Monday, Bali Padyami: a triangular Bali figure of cow dung on a wooden plank dressed with kolam and marigold, worshipped; go puja, the cow bathed and decorated.
Keep ready
- Silver and brass lamps
- Lakshmi Ganesh murti
- Kamdhenu for go puja
- Katori for kumkum-haldi
- Sesame, coconut or castor oil; ubtan
- Marigold, rangoli powders
- Cow dung and a wooden plank
- Who gives what
- New clothes to the family; sweets to neighbours and staff. Inviting the married daughter and son-in-law is common but family-dependent.
- The food that marks it
- Mysore pak, Dharwad pedha.
Bengali
The amavasya night is Kali Puja, with the main worship around midnight, and Bhai Phonta follows on dwitiya. Little metal-as-wealth on the altar; hibiscus, sindoor and lamps instead.
Kali Puja
Sun 8 Nov
Night, main puja around midnight
Bhai Phonta
Tue 10 or Wed 11 Nov
See note below
Two days before
- 1Clean the house and the altar. Red hibiscus (japa), sindoor, khichuri and luchi ingredients, sweets, a Kali image or clay murti.
- 2For Bhai Phonta: white sandalwood paste, kajal and sweetened curd.
The day before
- 1Lamps at dusk; many families light fourteen lamps on the chaturdashi evening (choddo prodip).
- 2The altar dressed in red and black motifs.
On the day
- 1Sunday: the Kali idol decorated with red hibiscus. Lamps at dusk.
- 2The main worship is the midnight puja, with the offerings made in order: sandalwood, a seat, water, a bath, cloth, flowers (hibiscus above all), incense, a lamp, food, paan and arati.
- 3Offerings of khichuri, luchi and sweets; fish in non-vegetarian traditions.
- 4Bhai Phonta: the sister marks the brother's forehead with sandalwood paste, curd and kajal, reciting the phonta verse; he eats at her home and gives her a gift, traditionally money or jewellery.
Keep ready
- Silver diyas
- Katori for sindoor
- A gift for the sister
- Red hibiscus, sindoor
- Sandalwood paste, kajal, mishti doi
- Khichuri, luchi
- Who gives what
- Brother to sister on Bhai Phonta: money or jewellery.
- The food that marks it
- Khichuri and luchi; mishti doi and sandesh.
Bengali calendars date Bhai Phonta 2026 to Tuesday 10 November, while the North Indian Bhai Dooj falls on Wednesday 11 November. Both are shown; follow your family's panjika.
The Lakshmi Ganesh puja itself, in ten steps
The version most Hindi, Marathi and Gujarati guides agree on, for the Sunday evening window. About twenty minutes from the first diya to the prasad.
- 1Clean the house and the puja space. Bathe, wear fresh clothes, draw the rangoli and a swastik at the threshold.
- 2Set a wooden chowki facing east or north, spread the red cloth, draw a swastik on it with roli and akshat.
- 3Fill the kalash with water and a little Gangajal. Add rice, a pinch of roli and one coin, tie the red mauli thread round the neck, and set mango leaves and a coconut on top.
- 4Seat Ganesh and Lakshmi. Ganesh is worshipped first. Put the family's coins, jewellery and account books on a plate in front.
- 5Light the ghee diya and the agarbatti. Sit facing east or north, hold rice, a flower and a few drops of water, and take the sankalp, the short spoken intention that opens the puja.
- 6Ganesh puja: kumkum, akshat, a flower, durva, a sweet.
- 7Lakshmi puja: if your family does abhishek, bathe the metal murti in panchamrit, wipe and reseat it. Offer mauli, haldi-kumkum, flowers, a garland.
- 8Offer the food: kheel, batasha, sweets, fruit, paan-supari. Chant the mantra your family uses; Om Shreem Mahalakshmyai Namah is the common one.
- 9Aarti with camphor, then prasad.
- 10Light the lamps through the house, threshold first, and keep one burning all night.
Samagri
- Chowki and red cloth
- Lakshmi and Ganesh murtis or a framed image
- Kalash (copper or silver), one coin, mauli, mango leaves, coconut
- Akshat, roli, kumkum, haldi
- Supari, paan leaves, flowers, garland, fruit
- Batasha and kheel, sweets
- Panchamrit: milk, curd, ghee, honey, sugar
- Ghee and oil diyas, agarbatti, camphor
- Aarti thali, and a plate for coins, jewellery and books
What differs, in one table
| Home | Main puja, 2026 | Metal on the altar | Gifts | The food |
|---|---|---|---|---|
| Maharashtrian | Lakshmi Pujan, Sun 8 Nov evening | Coins, jewellery, murti, and the new broom | Husband to wife (Padwa); brother to sister (Bhaubeej) | Faral, dhane-gul, lahya-batase |
| Gujarati | Chopda Pujan, Sun 8 Nov, in a good window of the day | Coins laid on the account books | Sweets to staff and contacts; brother to sister | Mohanthal, ghughra; udad vada on Kali Chaudas |
| Jain | Mahavir Nirvana, Sun 8 Nov; new year Mon 9 Nov | Ghee lamps and the ledger; Lakshmi puja varies | Sweets; donations to the sangh | Nirvan ladoo |
| Marwari | Lakshmi Ganesh and bahi-khata pujan, Sun 8 Nov evening | Bahi-khata with a haldi swastik, coins, cash box | Employer to staff; a coin for the new bahu | Ghewar, laddoo; Annakut Mon |
| Sindhi | Diyari, Sun 8 Nov | Coins washed in milk; the hatri | Sweets between families; elders to children | Chikki, kheel, Sai bhaji |
| Punjabi, North Indian | Lakshmi Ganesh puja, Sun 8 Nov evening | Silver coin, idol, new utensils, broom | Mithai to elders first; brother to sister | Kheel-batasha, mithai |
| Sikh | Bandi Chhor Divas, Sun 8 Nov, at the gurdwara | None; lamps | Sweets; langar and seva | Kada prasad, panjiri |
| Tamil | Deepavali dawn, Sun 8 Nov, 5:45 to 6:42 AM | Little; coins only for a Kubera puja | Elders to the family: new clothes | Marundhu first, then sweets |
| Telugu, Kannada | Naraka Chaturdashi dawn and Lakshmi puja that evening | Brass and silver lamps; the Bali figure Mon | New clothes; sweets to neighbours | Mysore pak, Dharwad pedha |
| Bengali | Kali Puja, midnight of Sun 8 Nov | Hibiscus, sindoor, lamps | Brother to sister on Bhai Phonta | Khichuri, luchi, mishti doi |
Timings follow the Mumbai panchang. The steps for each tradition come from community associations, temple sites and regional press. Where those sources disagree, the plan says so.
The silver for your puja, photographed with weights
Swarn Shikhar Jewellers, Shop No 6, Aashirwad Building, Narayan Gajanan Acharya Marg, Chembur, Mumbai 400071.
Serving Chembur's Sindhi, Gujarati, Maharashtrian, South Indian and Marwari families for over 40 years.
Frequently asked questions
When is Lakshmi Puja in Mumbai in 2026?
Sunday 8 November, 6:27 to 8:27 PM, the window after sunset. The Narak Chaturdashi oil bath is the same Sunday before sunrise, 5:45 to 6:42 AM. Timings on this page are worked out for Mumbai; most Hindi sites print Delhi's, which open about half an hour earlier.
I live away from my parents. What is the minimum I need to do Lakshmi Puja properly?
A clean corner, a red cloth, an image or murti of Lakshmi and Ganesh, one diya, a small plate with whatever coins or jewellery you have, and the ten steps on this page. Everything else is a tradition you can add next year. Call your mother during the sankalp; that is what most first-timers actually do.
Which day does a Gujarati family do the puja, and which day does a Maharashtrian family?
Both on Sunday 8 November, but differently. Gujarati homes do Chopda Pujan, the account books with coins on them, in one of the day's good windows, most often 6:02 to 10:47 PM. Maharashtrian homes do Lakshmi Pujan with the new broom between 6:27 and 8:27 PM. The Sindhi puja at the hatri, the Marwari ledger puja and the Punjabi Lakshmi Ganesh puja all fall the same evening.
What is Diwali Padwa, and why does the husband give a gift?
Padwa, also called Bali Pratipada, is Monday 9 November this year. In Maharashtrian homes the wife does aukshan for her husband, waving the lamp before him, and he gives her a gift. It is also one of the three and a half days of the year that need no muhurat, so gold bought that day needs no separate timing. Gujarati homes mark the same Monday as Bestu Varas, the new year.
What does a Tamil family do on Deepavali if there is no Lakshmi Puja?
The oil bath before sunrise on Sunday 8 November, with the elder applying the oil, then new clothes marked with turmeric, and the Deepavali marundhu eaten before anything sweet. Some homes add a Lakshmi Kubera puja in the evening. The lamps come later, on Karthigai Deepam, 24 November.
Which metal items are actually used, and which are just nice to have?
Used in the ritual: one diya for the aarti, a kalash, a panchpatra and achmani for the water, a katori for haldi-kumkum, and the murti or image. Coins and a Lakshmi Ganesh bar go on the plate or the books. Everything decorative can be anything you like. We photograph pieces with weights and the day's rate on WhatsApp so you can decide from home.
Is Bhai Dooj on 10 or 11 November?
The North Indian, Marathi and Gujarati Bhai Dooj, Bhaubeej and Bhai Bij fall on Wednesday 11 November, tilak 1:30 to 3:46 PM in Mumbai. Bengali calendars place Bhai Phonta on Tuesday 10 November. Follow your family's calendar; the difference is in how dwitiya is reckoned.