Lakshmi is the goddess of light, beauty, good fortune and wealth. While Laxmi is generally worshiped to achieve success, she does not reside long with anyone who is lazy or desire her only as wealth.
Steps of Lakshmi Pooja
Spread a new cloth on a raised platform: Place a handful of grains in the center and, on this, place 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.
Place the idol of Ganesha: 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 is to be used for the puja. Invoke the river goddesses to be part of this water.
Invoke goddess: Lakshmi by reciting the Vedic mantras addressed to her. One can also recite the mantras mentioned in the Puranas 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: 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. Alternately, you can just sprinkle water and panchamrit on the idol with a flower.
Offerings: 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.
Aarti: Finally, perform the aarti for goddess Lakshmi. Always remember that She abhors loud noise. So the aarti should be accompanied only by a small bell. Do not clap hands, as is the practice when performing aarti for other gods. A peaceful and sublime atmosphere should prevail during the diwali day pujan. Do not light crackers while the puja is on or immediately after it.