The Principles of Karmic Accounting

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Karmic debt is similar to the financial accounting principles of debit and credit. The key difference between the concepts of financial debt versus karmic debt is that accounting debits and credits are expressed in the form of total amounts and they balance each other out on the whole. On the other hand, the positive karmas or punya and negative karmas or paap operate at a more granular level, and manifest themselves in the form of individual items. This means that karmic debts are equivalent to itemized debits and credits we accrue through our life. Accordingly, one has to repay each and every item incurred in one’s present or past lifetime.



If we break down the results of our karmas, we will find they could fall into one of the following categories:

  1. ·       Some karma phal or the results of our actions from our previous life, which could be exhausted in this lifetime.
  2. ·       Some karma phal from this life which could be exhausted in the present lifetime.
  3. ·       Some karma phal left over from our previous lifetimes and from this life which could be carried forward to our next life - this is called Sanchit karma.

Prarabdha karma refers to whatever we experience in this lifetime as a result of the actions in this life or our previous lifetimes. But its effects do not necessarily end within the same lifetime and can carry over into our future lives in the form of sanchit karma. Our circumstances, whether linked to  happiness or to pain and suffering, are the results of our prarabdha karma. Our karmic destiny pre-ordains when and in which lifetime our prarabdha karma comes to fruition, and in what form.

When a person is harmed as a result of a karmic exchange, then that karma is stored as sanchit karma which is bound to come to fruition at some point in the future. A practical example demonstrates this: If a person buys a shirt worth 960 rupees and pays only 700, there is a deficit of 260 rupees. If the seller and the purchaser forget about this deficit, then the karma phal automatically gets balanced out and is peacefully settled in their minds. However, if the seller reacts aggressively to claim the remaining money and even threatens to use physical violence, then he accrues a debt in the form of negative karma. This is sanchit karma, or an accumulated or stored form of karmic debt and it may be partially settled in his present incarnation, with the remainder due in a future lifetime. 

Only the Sadgurus are able to clearly see the karmic intricacies over lifetimes that underpin our destiny.  They can weigh the outstanding punya and paap of each individual, even if the rest of the world is unable to perceive it. 


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