Repay Quote by Dada Bhagwan
![“Merit karma is a credit amount and demerit karma is a debit amount [owe the amount to repay]. One is free to spend his accumulated amount wherever he wants.” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/139/dada-bhagwan-31_repay_merit-karma-is-a-credit-amount-and-demer_1421964.jpg)
““Merit karma is a credit amount and demerit karma is a debit amount [owe the amount to repay]. One is free to spend his accumulated amount wherever he wants.””
About This Quote
Source Lecture: Spiritual Teachings of Dada Bhagwan, 1995
Karma works like a ledger: good deeds earn credit, bad deeds create debit, and you can spend your accumulated balance as you choose.
In simple terms: Karma is a credit‑debit system you can use.
Key Takeaway
Use good actions to build positive credit.
Themes
spirituality
personal responsibility
ethics
Mood
thoughtful
inspirational
Type
philosophical
motivational
When to use this quote
- personal finance
- decision making
- spiritual practice
Key Concepts
karma
balance
free will
Questions to Reflect On
- How do you track your moral balance?
- Can you truly “spend” karma?
A Different Perspective
Karma may not be quantifiable in real life.
![“Until you know 'Who am I?' (have realization of your true Self), merit karma is always to be accumulated [is acceptable] and demerit karma is worthy of being cast off.” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/44c/dada-bhagwan-31_karma_until-you-know-who-am-i-have-realization_808971.jpg)
![“In the act of selfishness, you bind demerit karma and in the act of sacrificing your own self-interest for the sake of others [selflessness], you bind merit karma. Nevertheless, they are both karma, aren’t they? The fruit of merit karma is shackles of gold and fruit of demerit karma is shackles of…” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/04f/dada-bhagwan-31_sacrificing_in-the-act-of-selfishness-you-bind-demer_3181507.jpg)
![“Living for the Self [the Soul] is merit karma (you bind merit karma) and living for the worldly life is nothing but demerit karma (you bind demerit karma).” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/ea0/dada-bhagwan-31_life_living-for-the-self-the-soul-is-merit-ka_1478927.jpg)
![“The worldly [spiritual] science is methodic (kramic) in nature; one progresses “step by step”; one has to ascent one step at a time. Whereas this here, is Akram Vignan, a path of step-less spiritual science; it is a science that has arisen after 10 Lac (a million) years. In this path, one travels…” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/78b/dada-bhagwan-31_akram-vignan_the-worldly-spiritual-science-is-methodi_1477.jpg)
![“In the worldly life, due to maadakta (intoxication of the ego of ‘I am Chandubhai’), one has completely lost awareness of everything about one’s self. Everything in the worldly life is nothing but intoxication. The food is intoxicating, the senses are intoxicating. [Therefore] Go to the one, who…” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/2b3/dada-bhagwan-31_absolute_in-the-worldly-life-due-to-maadakta-into_3662.jpg)
![“Through the grace of a thief, one can become a thief and through the grace of a Gnani [the enlightened one], one can become a Gnani [the enlightened one].” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/102/dada-bhagwan-31_enlightened_through-the-grace-of-a-thief-one-can-bec_4725.jpg)
![“Where there are kashays (anger-pride-deceit-greed), there is worldly life. As long as anger-pride-deceit-greed exist; one is a sansaari [living a worldly life] regardless of whether one is an ascetic or a family man. And where anger-pride-deceit-greed are absent, one is regarded as being asansaari…” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/7ec/dada-bhagwan-31_anger_where-there-are-kashays-anger-pride-dece_5756.jpg)
![“Skills (learning) or lack of skills is all egoistic knowledge (ego based knowledge). Ego-free Knowledge is called (true) Knowledge [Gnan].” quote by Dada Bhagwan](https://sms4smile.com/quotes/img-quotes/b36/dada-bhagwan-31_egoism_skills-learning-or-lack-of-skills-is-all_9081.jpg)
