Chapter 3 narrates the mishaps that may occur for dishonoring the vow to perform the puja. A merchant, with an intention to establish a family, vows to perform the puja upon having a child. He adjourns the vow to complete it during the child's marriage. Upon forgetting the vow, the Lord puts the merchant in hardship. The merchant is falsely accused and imprisoned. His entire business is confiscated by the king. His household goes bankrupt. He is freed when his wife recollects the promise and performs the puja.