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Meaning - Gist
O Embodiment of nAda! O Lord resembling the rain-cloud! O Adornment of the Solar dynasty! O Lord who is soft spoken! O Lord reclining on SEsha! O Lord who has Moon and Sun as eyes! O Lord in whose lap sItA is seated! O Lord whose Lotus feet are worshipped by ascetics! O Refuge of all! O faultless One! (OR O Refuge of faultless people!) O Lord wearing the appellation of being the One who protects by destroying the (six internal enemies) desire, covetousness, arrogance etc! O Lord raghu nAyaka worshipped by this tyAgarAja!

Why wouldn't it truly occur to people that attaining Your grace is indeed the real fortune, though, without doubt, it is discernible that You are the one who carries across the Ocean of Worldly Existence?

1. (a) People are entangled by wife and children who have no discrimination; (b) they become fatigued due to fear of not being able to swim the Ocean of Worldly Existence; (c) they languish due to tiredness of not deriving any comfort by waiting on the kings; (d) even after knowing that these troubles have come about because one is caught in the varied nature of Your delusion, it doesn't truly occur to people that attaining Your grace is indeed the real fortune.

2. (a) People get up early; (b) they roam behind very miserly persons and thus become sick; (c) the body becomes emaciated as they would not abandon their desires; (d) they find no recourse even after wandering after other celestials and brAhmins for the sake of enjoyments and wealth; (e) they fail to understand that these comforts are of this nature only; consequently, it doesn't occur to them that attaining Your grace is indeed the real fortune.

Word Division - Word-by-word meaning

pallavi
nI daya kalguTE bhAgyam(a)ni
nijamugan(E)la tOcadO

Why (Ela) wouldn’t it truly (nijamuganu) (nijamuganEla) occur (tOcadO) to people that (ani) attaining (kalguTE) Your (nI) grace (daya) is indeed the real fortune (bhAgyamu) (bhAgyamani)?

anupallavi
nAda rUpa nIrada sannibha dina
nAth(A)nvaya bhUshaNa mRdu bhAshaNa (nI)

O Embodiment (rUpa) of nAda! O Lord resembling (san-nibha) the rain-cloud (nIrada)! O Adornment (bhUshaNa) of the Solar – Lord (nAtha) of Day (dina) – dynasty (anvaya) (nAthAnvaya)! O Lord who is soft (mRdu) spoken (bhAshaNa)!
Why wouldn’t it truly occur to people that attaining Your grace is indeed the real fortune?

caraNam
caraNam 1
avivEkulaina dAra tanayulanu-
anudinamunu kalasi
bhava sAgaramunu-Ida lEka
bhayamuna ceyyi-alasi
avanI-ISula kAci sukhamu
lEkanu-AyAsamu solasi
vividhamulagu nI mAya lOpala
tagilina tanaku-I-avadhulu-anu telisi (nI)

Every-day (anudinamunu) being entangled (kalasi) by wife (dAra) and children (tanayulu) (tanayulanudinamunu) who have no discrimination (avivEkulaina),
having become fatigued (ceyyi alasi) (literally hands becoming tired) (ceyyalasi) due to fear (bhayamuna) of not being able (lEka) to swim (Ida) the Ocean (sAgaramunu) (sAgaramununIda) of Worldly Existence (bhava),
languishing (solasi) due to tiredness (AyAsamu) (lEkanAyAsamu) of not deriving (lEkanu) any comfort (sukhamu) by waiting (kAci) on the kings – Lords (ISulu) of Earth (avanI) (avanISula),
even after knowing (telisi) that (anu) these (I) troubles (avadhulu) (tanakIyavadhulanu) have come about for self (tanaku) who is caught(tagilina) in (lOpala) the varied nature (vividhamulagu) of Your (nI) delusion (mAya),
why wouldn’t it truly occur to people that attaining Your grace is indeed the real fortune?

caraNam 2
vEga lEci tAnu-ati lObhi janula
vembaDigA tirigi
rOgiyai tA kOrina kOrkelu
rOyaka mEnu karagi
bhOga bhAgyamula koraku-anya surula
bhU surula kOri tirigi
E gatiyu lEka-I sukhambulu-iTlu-ani
tana madini tAnu-erigi (nI)

Getting up (lEci) early (vEga) (literally dawn), one self (tAnu) roaming (tirigi) behind (vembaDigA) very (ati) (tAnati) miserly (lObhi) persons (janula) and thus having become sick (rOgiyai),
the body (mEnu) having become emaciated (karagi) by not abandoning (rOyaka) what one (tA) desired (kOrina kOrkelu),
having no recourse (E gatiyu lEka) even after wandering (tirigi) (tirigiyE) after other (anya) celestials (surula) and brAhmins (bhU-surula) for the sake of (koraku) (korakanya) enjoyments (bhOga) and wealth (bhAgyamula),
why wouldn’t it truly occur to people that attaining Your grace is indeed the real fortune, by himself (tAnu) understanding (erigi) in his (tana) mind (madini) that (ani) these (I) comforts (sukhambulu) are of this nature (iTlu) (sukhambuliTlani) only ?

caraNam 3
nAga nAyaka Sayana-indu dina
nAtha nayana sItA-anka
yOgi vandita pada-aravinda
yuga SaraNa-akaLanka
rAga lObha mada-Adula koTTi
rakshincE birudu-anka
tyAgarAja pUjita raghu nAyaka
tArakamu-ani teliyu niS-Sanka (nI)

O Lord reclining (Sayana) on SEsha – the Lord (nAyaka) of serpents (nAga)! O Lord who has Moon (indu) (SayanEndu) and Sun – Lord (nAtha) of the Day (dina)- as eyes (nayana)! O Lord in whose lap (anka) sItA (sItAnka) is seated!
O Lord whose Lotus (aravinda) feet (pada yuga) (padAravinda) are worshipped (vandita) by ascetics (yOgi)! O Refuge (SaraNa) of all! O faultless One (akaLanka)! (OR O Refuge of faultless people!)
O Lord wearing (anka) the appellation (birudu) of being the One who protects (rakshincE) by destroying (koTTi) the (six internal enemies) desire (rAga), covetousness (lObha), arrogance (mada) etc (Adula) (madAdula)!
O Lord raghu nAyaka worshipped (pUjita) by this tyAgarAja! why wouldn't it truly occur to people that attaining Your grace - who without doubt (niS-Sanka) discernible (teliyu) as (ani) the one who carries across (tArakamu) (tArakamani) the Ocean of Worldly Existence - is indeed the real fortune?

Notes

Variations - (Pathanthara)
¹ – padAravinda – pAdAravinda.

References

Comments
² – niS-Sanka – This could be taken as an epithet of Lord also (One who has no doubt). However, in view of the preceding word 'teliyu' (discernible), it has been translated as 'without doubt discernible'.

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nI daya kalguTE - rAga rIti gauLa