Lakshmi puja is performed during Diwali,mainly in North and West India, to invoke Goddess Lakshmi and seek her blessings.Lakshmi-puja is done on the third day of Diwali and the Goddess is propitiated the whole day. On this very day sun enters his second course and passes Libra.The house must be kept spotlessly clean and pure on Diwali. Goddess Lakshmi likes cleanliness. That is why the broom is worshiped on this day, with offerings of haldi and kumkum. Lamps are lit in the evening to welcome the goddess to light up Her path.
The Vidhis for Lakshmi Pooja:
Spread a new cloth on a raised platform: Place a handful of grains in the center and, place on this, a kalash (pitcher) made of gold, silver, copper, or terracotta. Fill three-fourth of the kalash with water and place a betel nut, a flower, a coin, and some rice grains in it. Arrange five kinds of leaves or mango leaves in the kalash. Place a small dish on the kalash and fill it with rice grains. Draw a lotus with turmeric powder ( haldi ) over the rice grains and place the idol of goddess Lakshmi over it, along with coins.
In front of the kalash, on the right (South-West direction), place the idol of Ganesha. Also place ink and books related to your business or occupation on the platform. Light a lamp and begin the puja by offering haldi, kumkum, and flowers to the platform on which the kalash is placed. Then offer haldi, kumkum, and flowers to the water that will be used for the puja. Invoke the river goddesses to be part of this water.
Invoke goddess: Lakshmi by reciting the prescribed Vedic mantras, propitiating her or simply take some flowers in your hands, close your eyes, and think of goddess Lakshmi being showered with gold coins by two elephants standing on either side of Her and chant Her name. Then offer the flowers to the idol.
Place the idol of Lakshmi in a plate and bathe it with water, panchamrit (a mixture of milk, curd, ghee or clarified butter, honey, and sugar) and then with water containing some gold ornament or a pearl. Wipe the idol clean and place it back on the kalash. Alternatively, you can just sprinkle water and panchamrit on the idol with a flower.
Offer sandal paste, saffron paste, perfume ( itr ), haldi, kumkum, abeer, and gulal to the goddess. Offer a garland of cotton beads to the goddess. Offer flowers, especially the marigold flowers and leaves of Bel (wood apple tree). Light an incense stick and dhoop. Make an offering of sweets, coconut, fruits, and tambul. Make an offering of puffed rice and batasha. Pour some puffed rice, batasha, coriander seeds, and cumin seeds over the idol. Safe where you keep money and jewelry; Worship this safe as a symbol of Lord Kuber.
Perform the aarti for goddess Lakshmi. Goddess abhors loud noise; so, the aarti should be accompanied only by a small bell. A peaceful and sublime atmosphere must prevail during the diwali day pujan. Also, sing her praises while performing aarti and seek her blessings.