Chapter 49 ranks several spiritual practices. What does it consider the greatest practice of all, and why?

Chapter 49 establishes a clear hierarchy of spiritual disciplines to emphasize the supreme importance of the Guru. The text acknowledges that penance is greater than pilgrimages, vows, sacrifices, or charity. It then places the singing of Hari's name as being even greater than penance. However, the chapter culminates this comparison by declaring that "the meditation on one's own Guru is the greatest of all." For Sai's followers, this means that Sai alone should be the object of their meditation and worship. This singular focus on the Sadguru is presented as the ultimate spiritual practice and the devotee's most valuable treasure.