A subway rider pulled off a Christmas miracle for a Manhattan fashionista last week when he found and returned her cash-stuffed Chanel bag.

“I was just doing what I hope most people would do,” Richard Taverna told The Post.

The 63-year-old Upper West Sider scooped the blue satchel off the 1-train platform Thursday morning at Lincoln Center. He peeked inside in search of ID, he said, but all he found was a note written in Russian.

With no MTA agent in sight, he took the bag home and unwrapped a big surprise: an envelope with $10,000 inside.

The next morning, the retired financial consultant delivered the cash and purse to the NYPD 20th Precinct station house.

“They’ll be much better at getting it back to the person who lost,” he said.

It was the same station where a 50-year-old Manhattan woman had reported losing her purse on her way to a European vacation at about 1:15 p.m. Thursday, police said.

“It’s just too much for someone to just take,” Taverna said. “I’m glad this is bringing people joy, especially during the holidays.”