जलबिन्दुनिपातेन क्रमश: पूर्यते घट: 

स हेतु: सर्वविद्यानां धर्मस्य च धनस्य च 

जैसे एक एक पानीकी बून्द से पूरा घड़ा भर जाता है उसी तरह ही धर्म और धन का संचय करना चाहिए 

If water is added to a vessel drop by drop, it gets filled slowly. Similarly, knowledge, dharma (punnya, virtuous deeds), and wealth are to be earned slowly. This subhashita says that don't ever miss to gain a small amount of knowledge, dharma or wealth, because any small amount actually adds in your treasure.