How does Chapter 49 rank various spiritual practices, and which one is considered the highest?

Chapter 49 establishes a distinct hierarchy of spiritual practices. It begins by stating that penance is greater than pilgrimages, vows, sacrifices, or charity. Moving higher, the chapter notes that the singing of Hari's name is greater than penance. However, the text places one practice above all others, declaring that "the meditation on one's own Guru is the greatest of all." For followers of Sai, this means that Sai alone is the supreme object of meditation and worship, their most protected and secret treasure.