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. These is just my way of understanding The Law of Karma.

The Law of Karma could be defined briefly that 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. Recollect, you are a soul, who exists always, for so many years and births, and you keep accumulating and carrying all the archive of your deeds of the past.

Every soul has an associated Karmic Account. The ideal status or state of this Account is that it should have ZERO Karmic Points. Initially, whenever a soul comes down 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.

Deeds can be in the form of thoughts or actions (for ourselves, or mostly for others). As and how we begin "acting", 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.

So, how is the calculation done?
There is no definition of any Karma that we do. These are just points added to our respective accounts. The number of points added or subtracted depends on the intensity of our Karma.

Taking some hypothetical examples, 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, 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 pre-defined, unalterable, and does not exist physically anywhere. I really have no idea as to who manages that list.

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! I think, 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.

At the end of an iteration of the World Drama Cycle (i.e. a Kalpa), one has to go back to the Paramdhaam (Recollect, Paramdhaam is not Heaven) after the end of the Kalyug. Before going to the Paramdhaam, everybody should have ZERO Karmic Points in their account. 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", 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.

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.

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.

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.

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.

Is there any scheme by which I can clear off my Karmic Accounts soon?
Yes. There are many people who have realized that now they want to live a peaceful life and that they will not do anything bad for anyone intentionally. Even I had this question and this is the answer I got from myself. This drama is fixed, you cannot ask for death when it's not the right time, however, once you have realized this and are towards Self Transformation, you clearly see that your points are reducing and your balance is nearing zero. There can be a stage in your current life when you have a ZERO Balance Karmic Account, and thereafter, you experience nothing else, but peace. It, then, depends on how you take it forward, whether you can maintain that Balance to zero or not.

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 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".

Examples according to me when we create Karmic Points:
- On thinking something bad, negative for anybody, including yourself (wonder why one falls ill?)
- On taking any negative, bad physical, emotional, verbal (lies under physical) action for anybody, including yourself
- On having sexual relationships with anybody (this one adds really a lot of Points)
- On doing anything that is unsuitable for the other
- On doing anything for anybody with hidden intentions of impurity, negativity, selfishness, jealousy, sex-lust, etc.

Examples according to me when our Karmic Points are decreased:
- When someone does anything to you that hurts you
- When someone feels, thinks negative about you that hurts you
- When any situation happens that hurts you (it could be absolutely anything)
- Any kind of pain, ill-ness, dis-ease to the body
- Sudden death
- Death

Like I said in the very beginning of this write-up, this is all what I feel the Law of Karma is. It can be taken as an illustration (or a different and creative way of understanding) of whatever the actual Law may be.

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