Accumulated Benefits from Chanting the Holy Name
Srila Visvanatha Cakravarti Thakura provides additional insight into the power of the holy name in his commentary to verses 9 and 10. He writes this commentary in the form a dialogue concerning how one can become free from all sinful reactions simply by chanting the holy name of the Lord:
Someone may say, It may be accepted that by chanting the holy name of the Lord one becomes freed from all the reactions of sinful life. However, if a person commits sinful acts in full consciousness, not only once but many, many times, he is unable to free himself from the reactions of such sins even after atoning for them for twelve years or more. How is it possible, then, that simply by once chanting the holy name of the Lord one immediately becomes freed from the reactions of such sins?
Visvanatha Cakravarti Thakura replies by quoting verses 9 and 10 of this : The chanting of the holy name of Lord Visnu is the best process of atonement for one who steals gold or other valuables, for a drunkard, for one who betrays a friend or relative, for one who kills a brahmana, or for a person who indulges in sex with the wife of his guru or another superior. It is also the best method of atonement for a person who murders his father, the king, or women, for one who slaughters cows, and for all other sinful men. Simply by chanting the holy name of Lord Visnu, such sinful persons attract the attention of the Supreme Lord, who then considers, Because this man has chanted My holy name, My duty is to give him protection.
One may atone for sinful life and vanquish all sinful reactions by chanting the holy name, and this is beyond ordinary atonement. Ordinary atonement may temporarily protect a sinful person, but it does not completely cleanse his heart of the deep-rooted desire to commit sinful acts. Therefore atonement is not as powerful as the chanting of the holy name of the Lord. In the sastras it is said that if a person only once chants the holy name and completely surrenders unto the lotus feet of the Lord, the Lord immediately considers him His ward and is always inclined to give him protection. This is confirmed by Sridhara Svami. Thus when Ajamila was in great danger of being carried off by the order-carriers of Yamaraja, the Lord immediately sent His personal order-carriers to protect him, and because Ajamila was freed from all sinful reactions, the Visnudutas spoke on his behalf.
Ajamila had named his son Narayana, and because he loved the boy very much, he would call him again and again. Although he was calling for his son, the name itself was powerful, because the name Narayana is not different from Lord Narayana. When Ajamila named his son Narayana, all the reactions of his sinful life were neutralized, and as he continued calling his son and thus chanting the holy name of Narayana thousands of times, he was actually unconsciously advancing in Krsna consciousness.
One may argue, Since Ajamila was constantly chanting the name of Narayana, how was it possible for him to be associating with a prostitute and thinking of wine? By his sinful actions he was bringing suffering upon himself again and again, and therefore one may say that only his chanting of the holy name of Narayana at the time of deathand not his chanting during his lifetimewas the cause of his being freed. However, his chanting during his life would then have been a nama-aparadha. Namno balad yasya hi papa-buddhih: one who continues to act sinfully and tries to neutralize his sins by chanting the holy name of the Lord is a nama-aparadhi, an offender to the holy name.
In response it may be said that Ajamilas chanting throughout his life was inoffensive because he did not chant the name of Narayana with the purpose of counteracting his sins. He was in so much illusion that he did not realize he was addicted to sinful actions, nor did he know that his chanting of the holy name Narayana was neutralizing them. Thus during his life he did not commit a nama-aparadha, and his repeated chanting of the holy name of Narayana while calling his son may be called pure chanting.
Because of this pure chanting, Ajamila unconsciously accumulated the results of bhakti, devotional service. Indeed, even his first utterance of the holy name was sufficient to nullify all the sinful reactions of his life. To cite a logical example, a fig tree does not immediately yield fruits, but in time the fruits are available. Similarly, Ajamilas devotional service grew little by little, and therefore although he committed very sinful acts, the reactions did not affect him. In the sastras it is said that if one chants the holy name of the Lord even once, the reactions of past, present, or future sinful life do not affect him. To give another example, if one extracts the poison fangs of a serpent, this saves the serpents future victims from poisonous effects, even if the serpent bites repeatedly. Similarly, if a devotee chants the holy name even once inoffensively, this protects him eternally. He need only wait for the results of the chanting to mature in due course of time.

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