http://www.speakingtree.in/public/spiritual-blogs/seekers/self-improvement/the-elusive-economics-in-the-law-of-karma
The Law of Karma operates similar to a bank transaction. We living beings are the account holders who step into this world with a Credit Balance known as Sabeeja Karma. This Karma is with the individual from the birth and is the brought forward of his previous life account. Even though he might have had a physical death in his previous life his Karma Account has not been closed. It will be brought forward to his next journey in the cycle of unbroken chain of life and death. Whenever the account holder (individual) experiences the fruit of the past Karma which is issued to him from his Current Account that event of experience, for him is the Prarabdha Karma Phala. Here the individual tastes the Fruits of Karma and hence it is called Karma Phala.
Taste of Fruit depends on the nature of Karma that the account holder would have deposited in his previous life. The experience of Prarabdha Karma Phala has its direct effects on the physical body through his mind in this present state of existence. The account holder does not have any choice on the matter of the withdrawal since the maturity of Prarabdha Karma Phala has already been determined by the Manager of the Bank (Absolute) and even the Manager cannot alter the sequence or stop it. The account holder during the course of his transaction would not only enjoy the fruit but also consciously try to continuously replenish his account balance. These new deposits do not mature in this span of life. This is the Agami Karma. These regular cash deposits through deposit slips are combined with the Fixed Deposit called Sanchita Karma. Sanchita Karma is the balance that an individual would accumulate in every single past life in the form of Agami Karma which would have aggregated without the knowledge of the account holder. Sanchita Karma represents an individual’s fate of which the individual has no idea of its maturity. Even the Manager of the Bank (Absolute) is not in a position to ordain it, but a strategist (destiny) who works for the Manager of the Bank delivers this to the account holder from his Credit Balance. As the Fixed Deposit swells due to the deposit pay slips (Agami Karma) to the account, the account holder has no relief from the bank.
When there is nil balance in the Current Account as well as the Fixed Deposits, then the account holder is released from the shackles and entanglements. Such an individual has gained exemption from the cycle of unbroken chain of life and death. The very purpose of life is to ultimately see that the balance is eliminated in the Karma Bank Account. Zero Balance is the Goal to be achieved. There is a lot of misinterpretation on the words like Liberation, Moksha, and Salvation. They are not reward or punishment and should not be confused with the concept of “Heaven” and “Hell.” Liberation is to see that there is no “credit” of positive Karma, or “debit” of negative Karma in our pass sheet in the Karma Bank Account.
Now the most important question is:
Is Law of Karma only a solace for a weak mind???? If so, then how would one explain the reason behind an innocent infant born with physical or mental disability???? How could we justify a corrupt individual living a luxurious life evading the law????? How is it possible for an individual with an average IQ to get a high paid white collar job while a highly capable person has to be contented with a petty job?????
The answer to all such questions lies in the knowledge of Karma Siddhantha. The Jnana of Law of Karma will not let the questions arise at all in the first place.
Now after knowing how the law of Karma works what are the benefits from understanding it????
1.
We are our own destiny makers. We are the only cause for the situation
we are facing hence no point in blaming either Absolute or Family or
Friends.
2. The action we do (Agami Karma) has to be at least beneficial to others so that the result of it will erase the bad karma phala in the Sanchita (Fixed Deposit).
3. As we are unable to rectify our Prarabdha karma it is better to live with it without getting mentally anxious to evade it.
4. By understanding that we have to experience the Prarabdha karma phalas without fail, we will never have an inclination to take refuge in the superstitions and black magic.
5. Most prominently with the understanding of Karma Siddhantha we are not skeptical in our belief regarding Absolute.
The Law of Karma operates similar to a bank transaction. We living beings are the account holders who step into this world with a Credit Balance known as Sabeeja Karma. This Karma is with the individual from the birth and is the brought forward of his previous life account. Even though he might have had a physical death in his previous life his Karma Account has not been closed. It will be brought forward to his next journey in the cycle of unbroken chain of life and death. Whenever the account holder (individual) experiences the fruit of the past Karma which is issued to him from his Current Account that event of experience, for him is the Prarabdha Karma Phala. Here the individual tastes the Fruits of Karma and hence it is called Karma Phala.
Taste of Fruit depends on the nature of Karma that the account holder would have deposited in his previous life. The experience of Prarabdha Karma Phala has its direct effects on the physical body through his mind in this present state of existence. The account holder does not have any choice on the matter of the withdrawal since the maturity of Prarabdha Karma Phala has already been determined by the Manager of the Bank (Absolute) and even the Manager cannot alter the sequence or stop it. The account holder during the course of his transaction would not only enjoy the fruit but also consciously try to continuously replenish his account balance. These new deposits do not mature in this span of life. This is the Agami Karma. These regular cash deposits through deposit slips are combined with the Fixed Deposit called Sanchita Karma. Sanchita Karma is the balance that an individual would accumulate in every single past life in the form of Agami Karma which would have aggregated without the knowledge of the account holder. Sanchita Karma represents an individual’s fate of which the individual has no idea of its maturity. Even the Manager of the Bank (Absolute) is not in a position to ordain it, but a strategist (destiny) who works for the Manager of the Bank delivers this to the account holder from his Credit Balance. As the Fixed Deposit swells due to the deposit pay slips (Agami Karma) to the account, the account holder has no relief from the bank.
When there is nil balance in the Current Account as well as the Fixed Deposits, then the account holder is released from the shackles and entanglements. Such an individual has gained exemption from the cycle of unbroken chain of life and death. The very purpose of life is to ultimately see that the balance is eliminated in the Karma Bank Account. Zero Balance is the Goal to be achieved. There is a lot of misinterpretation on the words like Liberation, Moksha, and Salvation. They are not reward or punishment and should not be confused with the concept of “Heaven” and “Hell.” Liberation is to see that there is no “credit” of positive Karma, or “debit” of negative Karma in our pass sheet in the Karma Bank Account.
Now the most important question is:
Is Law of Karma only a solace for a weak mind???? If so, then how would one explain the reason behind an innocent infant born with physical or mental disability???? How could we justify a corrupt individual living a luxurious life evading the law????? How is it possible for an individual with an average IQ to get a high paid white collar job while a highly capable person has to be contented with a petty job?????
The answer to all such questions lies in the knowledge of Karma Siddhantha. The Jnana of Law of Karma will not let the questions arise at all in the first place.
Now after knowing how the law of Karma works what are the benefits from understanding it????
There are many points but few are noted bellow as per my understanding:
2. The action we do (Agami Karma) has to be at least beneficial to others so that the result of it will erase the bad karma phala in the Sanchita (Fixed Deposit).
3. As we are unable to rectify our Prarabdha karma it is better to live with it without getting mentally anxious to evade it.
4. By understanding that we have to experience the Prarabdha karma phalas without fail, we will never have an inclination to take refuge in the superstitions and black magic.
5. Most prominently with the understanding of Karma Siddhantha we are not skeptical in our belief regarding Absolute.
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