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I have been listening about Karmic Accounts for a long time now, and had some creative ideas as to what and why certain things happen to us, so writing my thoughts down here. This is just my way of understanding The Law of Karma.

The Law of Karma could be defined briefly as, "Everything you do, comes back to you". Whatever kind of energy you give out to the Universe, the same energy comes back to you sometimes. The energy can come back in one day, one year, one decade, or even after 100s of years. Remember, you are a soul, a point of light. You are not this body. So, you are a point of energy which exists always, for many years. You take many births, and in each birth, as a result of your actions, you keep accumulating and carrying all the archive of your deeds of the past.

Every soul has a Karmic Account associated with itself. The ideal status or state of this Account is that it should have ZERO Karmic Points i.e. Zero Balance i.e. no Karmic Account should exist. Initially, whenever a soul comes down (descends) on the earth and takes its first birth, it has zero Karmic Points. However, as the soul starts performing positive or negative actions, it creates + and - points for itself. For ease of understanding, let us consider that negative karmas create Karmic Accounts, whereas positive karmas settle them.

Deeds can be in the form of thoughts or actions and their outcome can be for ourselves or (mostly) for others. Anyway, the result of this deed (be it positive or negative) comes back to us. As and how we begin "acting" in this world drama, depending on what type of karma we do (Su-Karma [positive], A-Karma [neutral], or Vi-Karma [negative]) the Balance in this account increases or decreases or remains the same. So, in case of a Su-Karma, the Balance decreases (goes close to the ideal zero). In case of a Vi-Karma, the Balance increases, and in case of A-Karma, the balance is unaltered. A-Karmas are performed by the deities in the Golden Age. Vi-Karmas are being performed by the majority of us today in the Iron Age. Su-Karmas are those that we also perform usually.

So, how is the calculation done?
There is no definition of any karma that we do. Accounts are just created or settled depending upon our actions and their intensity. Such accounts mostly exist between two individuals i.e. souls.

Taking some hypothetical examples with numbers of better understanding, if I abuse someone, 5 points will be added. If I steal something from a shop, 7 points will be added. Now, my Account's Balance is 12 karmic points. So, next, when I go and fall into a pit for no reason (which is not really no reason actually), 2 points are subtracted. Now, my Balance is 10. Next, if someone comes and slaps me for no intentional mistake done by me, 5 points get subtracted. Now, my balance is 5.

So, it is not that if I slap someone, there is one entry made for slapping someone, and then someone else will come and slap me so that this entry is erased. These are just points that keep fluctuating according to my karmas.The list, however, that maps every single karma to the number of karmic points is the part of Universal Laws and does not exist physically anywhere. I really have no idea as to who manages that list.
Each and Every single person on this earth - realizes his actions some day - in some form or the other - directly or indirectly. The law also works for ignorant people.
By realization, the law refers to the fruits of his actions. He may not realize the actions as actions, but as reactions from the universe. This also happens for people who do not believe in the law.

Roles of everybody are pre-defined, however, this cannot be the excuse why one should come and gun down someone or abuse a little girl. At every single step, one has a choice of what to do. Your Account Balance is completely in your hands. Now that Roles are pre-defined, so is the birth and death. Depending on how a family is, the soul is sent as a child there, so that one bears the good and/or the bad with that family. Now, that the death of one is also pre-defined, it is an opportunity to reduce many points! Hypothetically, if one has, say, just 5 Karmic Points in his Account, he will die more peacefully than someone else who might have, say, 100 Points in his Account, but that, again, depends on the Role, the situation, the decision, how properly one has maintained his health (this is where choice comes), etc.

Similar to a Peggle game, for instance, where you hit that ball (to break those bricks) is in your hands, but once you hit the ball, what happens thereafter (the path in which the ball traverses) is pre-defined and is the result of your action. That is how it becomes your destiny.

At the end of an iteration of the World Drama Cycle (i.e. a kalpa), one has to go back to the Paramdhaam or the Supreme Abode (which is not Heaven) after the end of the Kalyug. Before going to the Paramdhaam, everybody should have zero karmas in their account i.e. they should be completely clean and pure before going back home. Why? Because that is how we came down earlier.
Now, that the Kalyug is about to end in a very short time, we have to clear the Balances of our Accounts by repaying them, and hence the energy that we had once given out is coming back to us at a very fast rate. Can't say "for no reason bad things are happening to me", but one feels giddy, one falls ill, someone hits our car, someone slaps us, someone uses bad language for us, someone suddenly falls ill and goes into a Critical stage, expires at a young age, children suffer from diabetes, heart problems, etc. Just see around what is happening and you will know. This is all the repayment of all that we had done.We probably didn't realize while doing it, but are feeling sad while receiving back our energy.

Ever wondered why many bad and less good things are happening to you? It is a result of all the Karmic Accounts you (i.e. soul) have created in all your past births and even the current birth. It is your journey from so many births when you have created so many accounts. Now, since the Kalyug is nearing its ends we need to repay all the old Karmic Accounts in a short span of time. Hence, we keep hearing from our elders, "Do good".

Moral of this theory is that you ought to receive everything you give others. So, why is it not that if one does a Vi-Karma and then tries to erase that through a Su-Karma? That's simply because our Su-Karmas are not as effective. So, if one killed someone, and then donated a lot of money, that may not erase because his Account Balance may still not be zero, mostly, because of his past Karmas. So, you cannot escape thinking that you can negate every Vi-Karma by following a Su-Karma. There could be a lot of back-log you may not be aware of.

Karmic Accounts are created between two souls as a result of the following four commodities exchanges:

(1) Energy
- When you exchange thoughts with somebody
- What you think about somebody
- What you talk to somebody, etc.

(2) Money
- When you take or give money from or to somebody, etc.

(3) Time
- When you spend your time for somebody
- When you (mostly) disrespect time

(4) Physical Body
- When you work, cook, labor for somebody
- When you have sexual relationships with somebody
- When you perform any physical action for/on somebody


Your Karmic Accounts are effortlessly and naturally wiped out when you suffer from various things. However, there is a magical way you can wipe out all your Vi-Karmas yourself. This is done by meditation, by connecting with God, when all the Vi-Karmas of all the past births dissolve. That happens because you clean your mind from all the negative belief systems, and transform to continue doing only Su-Karmas

Here are some frequently asked questions.

Is there any way I can know the status of my Karmas?
Physically, through your eyes? No! But once you reach the soul-conscious stage/state, yes, you know exactly what's happening. You start seeing people and situations around you changing miraculously. Yes, that happens.

I have never done bad to anybody in my life. Still, why are bad things happening to me?
You may have not done anything bad in this birth, but what you are getting (i.e. your destiny) is the result of all that you had done in the past, good or bad. If you want to get the result of your good deeds, you should be ready to get the results of your bad deeds too.

Miraculously, you also start seeing that situations around you start becoming positive, and in your favor. So, there remains little or no scope for you to react (reaction is always negative) badly. And then if you do any negative act, the results also come to you immediately and you can actually relate as to why something happened to you. Connecting with God and not just connecting, but then doing every karma living in that connection is the only way you can clear/delete/reduce/decrease your Karmic Points really fast. More on this "solution" theory later, but I have realized, and most importantly, experienced that Self Transformation is very easy when done by practicing Rajyoga Meditation, without compromising on any of your current roles and responsibilities.

Does death (e.g. suicide) reduce my Balance to zero once and for all?
Once you know that you are not this body, but a soul, a point of light which ALWAYS exists and just changes bodies, you will automatically understand that your Karmic Account is with YOU (i.e. soul), not with your body. It is the soul that does good or bad deeds through the body and experiences happiness or sadness through the body. If not now, you will have to clear that Account in the next birth, and until your Account Balance reaches ZERO, you cannot expect to have no birth.

Can one reach and experience a stage that he has ZERO Karmic Points?
Yes, that is the state of perfection. Zero Balance state does not mean you will be the richest, most good-looking person. It is when you will be 100% (and 100% means 100% permanent, genuine) content, and peaceful with your life. You will have no trace of sorrows, no trace of sadness, and only happiness like a deity. This is exactly how we are in the Golden Age / Heaven.

Who has defined this Law? God?
God, Shiv Baba, the only Ultimate Father of all of us is up and above all of these things. He has not defined them. In fact, He abides by the laws of nature. This is one of the eternal Universal Laws that nobody defines. This law is also neither created, nor destroyed. It ALWAYS exists. If you realize, the Law of Gravity was never "created".

So, just remember, whatever happens with you is THE BEST. It is not ordinary. An extremely bright future awaits all of us.

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This is the 'Know Thyself' section, and all sub-menus for this section are located on the right side of this page.

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