The previous charitars were narrated by the Mantris, but with this chariutar, one of the characters are actually narrating this story.
ਤੀਰ ਸਤੁਦ੍ਰਵ ਕੇ ਹੁਤੋ ਰਹਤ ਰਾਇ ਸੁਖ ਪਾਇ ॥
By the Sutlej River, there lived a Raja who was in so much happiness
ਦਰਬ ਹੇਤ ਤਿਹ ਠੌਰ ਹੀ ਰਾਮਜਨੀ ਇਕ ਆਇ ॥੧॥
A prostitute had come to the city that was governed by the Raja for the love of money (ਦਰਬ ਹੇਤ).
ਛਜਿਯਾ ਜਾ ਕੋ ਨਾਮ ਸਕਲ ਜਗ ਜਾਨਈ ॥
The name of this prostitute is ਛਜਿਯਾ (Chhajia) and, to her rich patrons,
ਲਧੀਆ ਵਾ ਕੀ ਨਾਮ ਹਿਤੂ ਪਹਿਚਾਨਈ ॥
However, those who knew her, knew her by the name of Ladhia (ਲਧੀਆ).
Ladhi means praapat = to obtain something.
Then, Guru Sahib Ji gives us a description of her physical characteristics:
ਜੋ ਕੋਊ ਪੁਰਖ ਬਿਲੋਕਤ ਤਿਨ ਕੋ ਆਇ ਕੈ ॥