Narayana agreed. He changed into a great Pandit, wearing golden bracelets on his wrists as evidence of the appreciation and admiration of famous academic bodies. He had a garland of rudraksha beads round the neck and thick streaks of vibhuthi on the forehead. He manifested himself on earth as a redoubtable scholar. He moved from village to village and began enchanting the people through his enrapturing discourses. His splendorous personality and deep scholarship attracted the people; thousands gathered to hear him and followed him from place to place. Brahmins invited him to their settlements and honoured him. His arrival was celebrated as a festival, with rich feasting.

While Narayana was being feted thus, Lakshmi too appeared on earth as a great Yogini (Female Ascetic). She too proceeded from village to village enlightening the people on the Atma through her discourses. Women assembled to hear her fascinating speeches in wave after wave, in massive numbers. They prayed that she should honour their homes with a visit and partake of the feast they were most eager to offer. In reply, she informed them that she was bound by some vows which made it difficult for her to accept their request. She would not eat out of plates already in use in the homes. She said that she should be allowed to bring her own cups and plates with her. The women were yearning so deeply for hosting her that they accepted the condition. Whatever her vow, they were ready to respect it. Invitations came from every woman from every place.

The Yogini reached the house where she was to take food the first day and took out from the bag she had with her a gold plate, a few gold cups and a gold 'tumbler' (lota) to hold drinking water. These she spread before herself for the various items of the menu. When the meal was over, she left the place, leaving the precious golden articles to be taken by the host. She had a new set for each day, she said.

The news spread. The villages where Narayana was holding his delightful discourses also heard the wonderful happenings of the Yogini's gifts. The Brahmins who were staunch admirers of the far-famed scholar also rushed to invite the Yogini to their homes for lunch! The Yogini told them that they ought to drive the Pandit out before she could enter their settlement. She would not set foot there so long as the person continued to stay there! She was adamant on that point. Their greed for gold was so strong that they forced the Pandit, whom they had adored so long and with so much pomp, to go out of their village.