The document discusses the spiritual concept of karma and destiny. It explains that karma governs all human life and that every positive or negative deed creates spiritual merits or demerits. One's current life circumstances and hardships are influenced by their accumulated karma from past lives, known as their destiny. Major events and relationships are pre-destined, but people have some free will. Intense spiritual practice can help overcome mild to medium destiny, while severe destiny may require grace from a spiritual master. The law of karma and reincarnation provide a philosophical framework for understanding injustice and suffering.

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The Law of Karma and Destiny
www.SpiritualResearchFoundation.org

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Jeff’s car was hit by a drunk driver and he is being airlifted to a nearby hospital.
Jeff will never be able to walk again.

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Little Nathaniel is 5 but the cancer that afflicts him will not let him live to
see his 6th birthday.

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Sometimes the best student in University may not do well in life.

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Omar was born in war-torn Dafur. Due to the
country he has been born in and through no fault of
his, young Omar will never have a proper education
and will only know violence and hunger throughout
his life.

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Life

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“Lord why did this
have to happen
to me ” ?

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“God works in mysterious ways and
we aren’t always meant to understand
why things happen the way they do”

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But why would God make one person the child of a poor family and the
other the child of a wealthy family.

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Why would he let one child be born physically impaired and the other healthy?

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Is there some Universal rationale behind which
all of us are granted different circumstances in our lives?

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Law of Karma (Law of Give-and-Take)
Governs the all human life
(even devolved humans)

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Law of Karma (Law of Give-and-Take)
Governs the all human life
(even devolved humans)
• According to the Law of Karma every positive deed generates a
‘Merit’ while every negative deed generates a ‘Demerit’.
• Every person has to undergo the consequences of the merits and
demerits of accounts created by him.

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Newton's Third Law states that,
“For every action there is
an equal and opposite reaction”.
Sir Isaac Newton (4 Jan 1643 – 31 Mar 1727)

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As you sow, so shall you reap

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Person A swindles Person B
B gets 5 units of pain

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Person A swindles Person B
B gets 5 units of pain
As a result A creates a negative account with B.

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5 units of pain
Consequently Person A will have to suffer 5 units of pain from Person B
for the account to be settled.

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Account carried over
Previous Lifetime Next Lifetime
Account cannot be settled as B dies It will need to be settled when both A
soon after A swindles B and B reincarnate on Earth together

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What have I done to
him that he keeps on
troubling me?
A B
• When Person A does get 5 units of pain from Person B, he will wonder why
Person B is so intent on hurting him.
• The answer lies in an account that was created in a previous lifetime.

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Mark buys his buddy Chris a couple of drinks at the bar. The next day Chris
returns the favour.

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The reasons that the act of consuming
alcohol is a sin :
1. We reduce the subtle sattva
component
2. We increase the subtle tama
component
3. An increase in the subtle tama
component leads to an overall
increase in the spiritual pollution in
society.
Refer to the article on Sattva, Raja and Tama
on our website.

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Selflessly helping the poor in need will generate a merit
Picture courtesy wikipedia.org

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Sanchit Karma
Or
The Accumulated
Give-and-Take Account
Over many lifetimes we continue to add to our accumulated give-and-take account

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What decides – intensity of merit / severity of demerit (sin)?
Law of Karma and how the give-and-take plays out is complex and
depends on various factors such as:
• Intention behind the act
• Severity or extent of the act
• Situation at that time
• Happiness or anguish faced by the person wronged
• Who has been robbed (an average person or a seeker of God or a
Saint, a spiritual organisation etc.).
These factors also determine the intensity of the account created whether
positive or negative (if it is a sin).

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Beyond merits and demerits
Merits
More Demerits
Depending on the intensity of the merits or demerits that one incurs in one
lifetime, after death one goes to either the positive or negative subtle regions
of the Universe.

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“Lord why did this
have to happen
to me?
”
But if we were to understand this law
• We could have a philosophical view of why bad things happen to us
• We could strive try not to create any more negative accounts

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Subtle Regions of the Universe
Afterlife
Earth Regions
Birth Death
Unless we settle all our accounts, we cannot gain liberation from the cycle
of birth and death

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Entire Accumulated Account (Sanchit Karma)
Portion to settle in the
current lifetime which
is known as our destiny

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Entire Accumulated Account (Sanchit Karma)
Portion to settle in the
current lifetime which
is known as our destiny
65%
Destiny
(Prarabdh)
35% Willful action
This pie chart shows the proportion of our lives which is destined versus free will

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Proportion of destiny versus willful action over time
First birth In the current era Last birth
Destined Actions 0% 65% 100%
Free Will 100% 35% 0%
Destined Actions Willful Actions

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The spiritual purpose of our lives
1. Settle and complete our destiny and subsequently our accumulated account
i.e. experience happiness or sadness according to our destiny
2. To do spiritual practice to grow spiritually thereby coming out of the cycle of
birth and death

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Example of Destiny
A person parks in a proper parking zone obeying all rules and while he is in
his office a tree falls on his car.

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Example of willful action or use of free will
A person drives home drunk inspite of knowing that it is wrong to do so and
hits a tree.

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All major events life are destined

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1. Distress caused by a
person’s departed ancestors
who have passed away
??
Apart from just negative accounts with other people problems in life there are
other spiritual elements that can influence us as part of our destiny

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1. Distress caused by a
person’s departed ancestors
who have passed away
??
2. Being affected or
possessed by ghosts
Apart from just negative accounts with other people problems in life there are
other spiritual elements that can influence us as part of our destiny

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1. Distress caused by a
person’s departed ancestors
who have passed away
??
2. Being affected or
possessed by ghosts
3. A reduction of
vital energy within us
Apart from just negative accounts with other people problems in life there are
other spiritual elements that can influence us as part of our destiny

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1. Distress caused by a 4. A block in the Spiritual
person’s departed ancestors Energy System (Kundalini)
who have passed away
?? within our bodies
2. Being affected or
possessed by ghosts
3. A reduction of
vital energy within us
Apart from just negative accounts with other people problems in life there are
other spiritual elements that can influence us as part of our destiny

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1. Distress caused by a 4. A block in the Spiritual
person’s departed ancestors Energy System (Kundalini)
who have passed away
?? within our bodies
2. Being affected or 5. Black Magic / Voodoo
possessed by ghosts done on the person
3. A reduction of
vital energy within us
Apart from just negative accounts with other people problems in life there are
other spiritual elements that can influence us as part of our destiny

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1. Distress caused by a 4. A block in the Spiritual
person’s departed ancestors Energy System (Kundalini)
who have passed away
?? within our bodies
2. Being affected or 5. Black Magic / Voodoo
possessed by ghosts done on the person
3. A reduction of 6. Distressing vibrations in the
vital energy within us premise that we live and work
in
Apart from just negative accounts with other people problems in life there are
other spiritual elements that can influence us as part of our destiny

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Who do we have the most give-and-take account with in our current life time?
Give and take account with %
Spouse 27
Parents – child relation 25
Siblings 9
Close friends 9
People romantically involved 9
Colleagues 9
Other relatives 4
Other acquaintances (neighbours, friends and
associates) 4
Others 4
Total 100.0

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Factors influencing compatibility
Type %
Physical 5%
<15%
Psychological 8%
Likes and dislikes 2%
Temperamental characteristics 2%
Personality defects 2%
Ego 2%
Intellectual 2%
Spiritual 85%
Total 100%

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Types of Destiny
Mild Medium Severe

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Types of Destiny
Types of Destiny Mild
Examples Minor illnesses,
more than average
efforts required to
get a partner

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Types of Destiny
Types of Destiny Mild Medium
Examples Minor illnesses, Financial losses,
more than average marital problems,
efforts required to inability to have
get a partner children

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Types of Destiny
Types of Destiny Mild Medium Severe
Examples Minor illnesses, Financial losses, Major accidents,
more than average marital problems, severe disabilities,
efforts required to inability to have untimely death
get a partner children

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How to overcome destiny
Spiritual problem Spiritual solution
Destiny Spiritual Practice
Spiritual practice that is undertaken as per the 6 basic principles
of spiritual practice burns destiny and eventually gets one out of
the cycle of birth and death

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Types of Destiny
Types of Destiny Mild Medium Severe
Examples Minor illnesses, Financial losses, Major accidents,
more than average marital problems, severe disabilities,
efforts required to inability to have untimely death
get a partner children
How to overcome? Moderate spiritual Intense spiritual Cannot be changed
practice practice with one’s spiritual
(4-5 hours per day) (10-12 hours per practice alone.
day) Only the grace of a
Spiritual Master
(Guru) can alter it

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Please refer to the SSRF website
• Who is a Saint and
• What spiritual practice one can do to ‘Start your Spiritual Journey’.

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Example of settling accounts through spiritual practice
Let’s take a look at an example of how spiritual practice can help nullify our destiny.
5 units of pain
Person A will have to suffer 5 units of pain from Person B for the account
to be settled.

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Example of settling accounts through spiritual practice
The spiritual energy
generated from spiritual
practice goes towards
nullifying the give-and-
A starts take impression in B’s
spiritual practice mind
End result : B then forgets about the account he has with A.

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Initial spiritual level Spiritual growth
40%
32%
30%
Person A Person B
Difference in spiritual levels between two people after the same years and effort of spiritual
practice can be attributed to the spiritual practice being used to nullify severe destiny

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Settling the Accumulated Account
Theoretically
Entire Accumulated Account (Sanchit Karma) 100
Amount to settle as destiny in the current lifetime -6
Theoretical accumulated account after 94*
the current lifetime
* This means at this rate a person should attain liberation from one’s accumulated
account within 16-17 births i.e. 100 / 6 = 16.67

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Settling the Accumulated Account
Theoretically Practically
Entire Accumulated Account (Sanchit Karma) 100 100
Amount to settle as destiny in the current lifetime -6 -6
Theoretical accumulated account after 94 94
the current lifetime
With willful action we add more accounts +10
Practically the Accumulated Account after 104 *
the current lifetime
* This means one continues to get stuck in the cycle of birth and death due to the
improper use of ones freewill or willful action.

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• We are now in Kaliyuga the Era of Strife.
• The proportion of pain in one’s destiny is most likely to increase as one
keeps getting born in Kaliyuga.
• Using free will to do spiritual practice is the only way out.

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Here no account is created between Nicole and Kristen, no merits or demerits, as the
activity and the actions are in line with our basic purpose of life which is to grow spiritually.

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Beyond merits and demerits
Merits
More Demerits
• At a practical level Earth is the only plane of existence where one can do
spiritual practice to grow spiritually and settle our accumulated account or
Sanchit Karma.
• Merits and demerits both keep us in the cycle of birth and death.

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• Spiritual practice should conform to the
six basic principles
• If spiritual practice is done sincerely,
regularly and in progressively higher
steps…
Then
• it is possible for a person to not only
overcome all his destined accounts but
also his entire accumulated account in
one lifetime itself.
If you think that this tutorial will help your near and dear ones please do
forward the link to them.