Destiny, Karma and Renunciation further explained…

This is an alternate explanation of the previous post titled Destiny, Karma and Renunciation:


The present birth or present life does not start with Shunya (Nothing) nor it becomes Shunya (Nothing) at the end of this life automatically.

What we experience in this present birth is the result of the accumulated karma from all our previous births.

The goal in this birth must be to exhaust all our karma so that at the end of it there is no balance karma left!

Only in that stage is liberation attained!

Opening of a bank account and further transactions on the account can be taken as an analogy:

Opening a bank account requires a mandatory amount or minimum balance that is to be deposited and maintained as long as the account is active.

We do all our transactions from this point with credits and debits of various denominations happening all the time.

The debit transactions (negative karma) are determined on the basis of all the previous credit transactions but still the minimum balance has to be maintained. Even though the minimum balance is attained, the account is still active and hence liberation is not attained.

Similarly, by doing credit transactions (positive karma) also, it is not possible to attain liberation though one may proceed towards higher planetary systems in the material universe.

When we want to close the account, we must debit the entire balance amount along with the minimum balance so that the net balance becomes shunya or nothing. Once this happens,we disassociate from the bank!

Let’s see what we can infer from this analogy to life. The bank terminologies and the equivalent terminologies associated with life has been mentioned for easy understanding:

Bank: Material world and the field of material activity.

Bank Account (association with the bank): The gross body and Subtle senses that is required to transact in the material world.

Owner of the Bank Account: Life or Jiva or Soul

Minimum Balance – three modes of material nature viz., goodness, passion and ignorance that binds the soul to the material world.

Opening of Bank account: Soul acquiring a material body to enjoy the fruits of this material world.

Credit Transaction– Happiness due to positive karma that brings enjoyment to the material body but increases bondage.

Debit Transaction – Distress when positive karma is getting exhausted, also indulging in forbidden actions!

Desire to close the account – Desire to attain Self-realization by transcending the three modes of material nature.

Account Closing – Process of relinquishing the gross and subtle bodies.

Zero Balance – Liberation from material world and eternal residence in the realms of supreme abode where there is no birth, death, old age or disease.

Again, it can be seen that renunciation (surrender) with a strong desire to attain self-realization is the only means to close this materialistic bank account and attain liberation! That’s quite a price to pay but the reward is un-interrupted innings in the spiritual world.

Author: Rajini

"Knowledge is the ultimate perfection of self-realization.". (Srimad Bhagavatham 3.26.2) Trying to seek that knowledge through life experiences that leads to compassion, dispassion and ultimately satisfaction.

11 thoughts on “Destiny, Karma and Renunciation further explained…”

  1. Good explanation..

    one thing i would like to add is that closing an account in this materialistic world will result in opening our innings in the eternal world, even though no karma is added there….hence, the Jervatma regains his original knowledge state in that eternal world by closing his account in the materialistic world…. foregoing something worthless to attain which is priceless!!!


    Liked by 1 person

    1. Thank you very much for writing, Srinath. I like your choice of words – innings instead of account because there is nothing to be accumulated in the spiritual world since everything is on an absolute plane!


  2. Yes, i could not agree more with your beautiful analogy. How to get that intensity though for God Realization – that is the question of the moment for me….it is so amazing you are talking about that very thing in your post! 🙂


    1. Thank you very much for your words. I believe it is sathsang and constant discussion on these topics really helps. I believe individual opinions doesn’t count much but comments from like-minded and sharing thoughts must be the way out.

      Liked by 1 person

      1. Thanks – that is very helpful. Just like in Bhaja Govindam — सत्सङ्गत्वे निस्सङ्गत्वं
        निस्सङ्गत्वे निर्मोहत्वम् ।
        निर्मोहत्वे निश्चलतत्त्वं
        निश्चलतत्त्वे जीवन्मुक्तिः

        What a great reminder. Thank You. 🙂


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