The Buddha teaches the four factors of stream-entry—experiential confidence in the Buddha, the teaching, and the Saṅgha, and ethical conduct loved by the noble ones—showing how they protect a noble disciple from loss and lead to heaven, regarding overflowing merit (2nd).

SN 55.42 Overflowing Merit (2nd)

“Cattārome, bhikkhave, puññābhisandā, kusalābhisandā, sukhassāhārā. Katame cattāro? Idha, bhikkhave, ariyasāvako buddhe aveccappasādena samannāgato hoti itipi so bhagavā …pe… satthā devamanussānaṁ buddho bhagavāti. Ayaṁ paṭhamo puññābhisando kusalābhisando sukhassāhāro. Puna caparaṁ, bhikkhave, ariyasāvako dhamme …pe… saṅghe …pe….

Puna caparaṁ, bhikkhave, ariyasāvako vigatamalamaccherena cetasā agāraṁ ajjhāvasati muttacāgo payatapāṇi vossaggarato yācayogo dānasaṁvibhāgarato. Ayaṁ catuttho puññābhisando kusalābhisando sukhassāhāro. Ime kho, bhikkhave, cattāro puññābhisandā, kusalābhisandā, sukhassāhārā.

Imehi kho, bhikkhave, catūhi puññābhisandehi kusalābhisandehi samannāgatassa ariyasāvakassa na sukaraṁ puññassa pamāṇaṁ gaṇetuṁ: ‘ettako puññābhisando, kusalābhisando, sukhassāhāro’ti. Atha kho asaṅkhyeyyo appameyyo mahāpuññakkhandhotveva saṅkhyaṁ gacchati.

Seyyathāpi, bhikkhave, yatthimā mahānadiyo saṁsandanti samenti, seyyathidaṁ gaṅgā, yamunā, aciravatī, sarabhū, mahī, tattha na sukaraṁ udakassa pamāṇaṁ gaṇetuṁ: ‘ettakāni udakāḷhakānī’ti ‘ettakāni udakāḷhakasatānī’ti ‘ettakāni udakāḷhakasahassānī’ti ‘ettakāni udakāḷhakasatasahassānī’ti vāti. Atha kho asaṅkhyeyyo appameyyo mahāudakakkhandhotveva saṅkhyaṁ gacchati.

Evameva kho, bhikkhave, imehi catūhi puññābhisandehi kusalābhisandehi samannāgatassa ariyasāvakassa na sukaraṁ puññassa pamāṇaṁ gaṇetuṁ: ‘ettako puññābhisando, kusalābhisando, sukhassāhāro’ti. Atha kho asaṅkhyeyyo appameyyo mahāpuññakkhandhotveva saṅkhyaṁ gacchatī”ti.

Idamavoca bhagavā …pe… satthā:

“Mahodadhiṁ aparimitaṁ mahāsaraṁ,
Bahubheravaṁ ratanagaṇānamālayaṁ;
Najjo yathā naragaṇasaṅghasevitā,
Puthū savantī upayanti sāgaraṁ.

Evaṁ naraṁ annapānavatthadadaṁ,
Seyyāni paccattharaṇassa dāyakaṁ;
Puññassa dhārā upayanti paṇḍitaṁ,
Najjo yathā vārivahāva sāgaran”ti.

Dutiyaṁ.

Reference Translation by Bhikkhu Sujato (CC0).

“Cattārome, bhikkhave, puññābhisandā, kusalābhisandā, sukhassāhārā.

“Mendicants, there are these four kinds of overflowing merit, overflowing goodness that nurture happiness.

Katame cattāro?

What four?

Idha, bhikkhave, ariyasāvako buddhe aveccappasādena samannāgato hoti

It’s when a noble disciple has experiential confidence in the Buddha …

itipi so bhagavā …pe… satthā devamanussānaṁ buddho bhagavāti.

Ayaṁ paṭhamo puññābhisando kusalābhisando sukhassāhāro.

Puna caparaṁ, bhikkhave, ariyasāvako dhamme …pe…

the teaching …

saṅghe …pe….

the Saṅgha …

Puna caparaṁ, bhikkhave, ariyasāvako vigatamalamaccherena cetasā agāraṁ ajjhāvasati muttacāgo payatapāṇi vossaggarato yācayogo dānasaṁvibhāgarato.

Furthermore, a noble disciple lives at home rid of the stain of stinginess, freely generous, open-handed, loving to let go, committed to charity, loving to give and to share.

Ayaṁ catuttho puññābhisando kusalābhisando sukhassāhāro.

This is the fourth kind of overflowing merit, overflowing goodness that nurtures happiness.

Ime kho, bhikkhave, cattāro puññābhisandā, kusalābhisandā, sukhassāhārā.

These are the four kinds of overflowing merit, overflowing goodness that nurture happiness.

Imehi kho, bhikkhave, catūhi puññābhisandehi kusalābhisandehi samannāgatassa ariyasāvakassa na sukaraṁ puññassa pamāṇaṁ gaṇetuṁ:

When a noble disciple has these four kinds of overflowing merit and goodness, it’s not easy to count how much merit they have by saying that

‘ettako puññābhisando, kusalābhisando, sukhassāhāro’ti.

this is the extent of their overflowing merit, overflowing goodness that nurtures happiness.

Atha kho asaṅkhyeyyo appameyyo mahāpuññakkhandhotveva saṅkhyaṁ gacchati.

It’s simply reckoned as an incalculable, immeasurable, great mass of merit.

Seyyathāpi, bhikkhave, yatthimā mahānadiyo saṁsandanti samenti, seyyathidaṁ

There are places where the great rivers—the Ganges, Yamunā, Aciravatī, Sarabhū, and Mahī—join together and converge.

gaṅgā, yamunā, aciravatī, sarabhū, mahī, tattha na sukaraṁ udakassa pamāṇaṁ gaṇetuṁ:

It’s not easy to count how much water is in such places by saying

‘ettakāni udakāḷhakānī’ti ‘ettakāni udakāḷhakasatānī’ti ‘ettakāni udakāḷhakasahassānī’ti ‘ettakāni udakāḷhakasatasahassānī’ti vāti.

how many gallons, how many hundreds, thousands, hundreds of thousands of gallons there are.

Atha kho asaṅkhyeyyo appameyyo mahāudakakkhandhotveva saṅkhyaṁ gacchati.

It’s simply reckoned as an incalculable, immeasurable, great mass of water.

Evameva kho, bhikkhave, imehi catūhi puññābhisandehi kusalābhisandehi samannāgatassa ariyasāvakassa na sukaraṁ puññassa pamāṇaṁ gaṇetuṁ:

In the same way, when a noble disciple has these four kinds of overflowing merit and goodness, it’s not easy to count how much merit they have by saying that

‘ettako puññābhisando, kusalābhisando, sukhassāhāro’ti.

this is the extent of their overflowing merit, overflowing goodness that nurtures happiness.

Atha kho asaṅkhyeyyo appameyyo mahāpuññakkhandhotveva saṅkhyaṁ gacchatī”ti.

It’s simply reckoned as an incalculable, immeasurable, great mass of merit.”

Idamavoca bhagavā …pe…

That is what the Buddha said.

satthā:

Then the Holy One, the Teacher, went on to say:

“Mahodadhiṁ aparimitaṁ mahāsaraṁ,

“Hosts of people use the rivers,

Bahubheravaṁ ratanagaṇānamālayaṁ;

and though the rivers are many,

Najjo yathā naragaṇasaṅghasevitā,

all reach the great deep, the boundless ocean,

Puthū savantī upayanti sāgaraṁ.

the cruel sea that’s home to precious gems.

Evaṁ naraṁ annapānavatthadadaṁ,

So too, when a person gives food, drink, and clothes;

Seyyāni paccattharaṇassa dāyakaṁ;

and they’re a giver of beds, seats, and mats—

Puññassa dhārā upayanti paṇḍitaṁ,

the streams of merit reach that astute person,

Najjo yathā vārivahāva sāgaran”ti.

as the rivers bring their waters to the sea.”

Dutiyaṁ.

Topics & Qualities:

Faith

Faith

Confidence in the Buddha's awakening and the efficacy of the path. It brightens and steadies the mind, removing doubt and inspiring energy toward wholesome practice. True faith rests on clarity and direct experience rather than mere belief.

Also known as: confidence, trust, belief, conviction, self-assurance
Pāli: saddha, pasanna
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Giving

Giving

The act of generosity, sharing, or offering to others without expecting anything in return. Giving is considered a foundational virtue in Buddhist practice, fostering selflessness and compassion.

Also known as: generosity, charity, donation, almsgiving, donating, philanthropy, providing with, gift with
Pāli: dāna
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Happiness

Happiness

Bodily ease and comfort; a pleasant feeling experienced with the body. In the third jhāna, one dwells experiencing this pleasure with the body. It is abandoned, along with bodily pain, for the fourth jhāna to arise.

Also known as: pleasant abiding, positive state of mind, sense of ease
Pāli: sukha
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Merit

Merit

Wholesome result of good conduct, generosity, and right intention. Merit brightens the mind and supports happiness and favorable conditions for practice.

Also known as: good deeds, spiritual wealth
Pāli: puñña, kalyāṇa
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Stinginess

Stinginess

A contracted, possessive refusal to share what one has—whether material goods, knowledge, or status. It clings tightly to what is “mine,” fearing loss and closing the hand against generosity.

Also known as: miserliness, meanness, tight-fistedness
Pāli: macchariya
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Wisdom

Wisdom

Lived understanding and sound judgment that steers the mind away from suffering, distinct from mere accumulation of facts.

Also known as: (of a person) wise, astute, intelligent, learned, skilled, firm, stable, steadfast, an experiential understanding of the four noble truths
Pāli: paññā, medhā, dhīra, paṇḍita, asammūḷha
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Last updated on July 27, 2026