यत्तु प्रत्युपकारार्थं फलमुद्दिश्य वा पुनः।दीयते च परिक्लिष्टं तद्दानं राजसं स्मृतम्॥
yat tu pratyupakārārthaṃ phalam uddiśya vā punaḥdīyate ca parikliṣṭaṃ tad dānaṃ rājasaṃ smṛtam
Word by word
The verse says
A gift given with a return in mind, or with an eye on what it will bring, or given with a wince - that one is driven.
In plain words
Three ways to spoil it, and the third is the surprise.
Given for a return. Given for a result. And given parikliṣṭa - reluctantly, with the giving hurting.
That last is not about meanness. It describes the gift that is handed over correctly, in full, and resented the entire time.
Where you've felt this · with money
A cousin asks you for money and you give it, because you were always going to. You also think about it four times that week. When you see him at a function you notice you are slightly cold with him, and he notices too. He got the money. He also got a month of you being slightly off with him, and neither of you asked for that part.
Going deeper
Giving while resenting it is the third fault listed here, and in families it is the most common of the three.
Parikliṣṭa means given with difficulty, with a wince in it. The money arrives. The help is real. And something travels with it that the recipient can feel and cannot name, which is why a grudging gift so often makes a relationship worse rather than better.
The position being taken is not that you ought to feel enthusiastic. It is that a gift given reluctantly costs you twice - once in the thing itself, and once in what you then carry about it.
So there is a practical choice buried here that nobody likes to state. If giving something is going to leave you resenting a person for a year, the honest options are to give it and put it down, or not to give it. The third option, which almost everybody takes, is the one this verse is describing.