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The collective of karma is called "Gadasti". Ayu, Nama, Gotra and Vedaniya are "Aghati" karma, because they do not destroy the inherent knowledge-perception qualities of the soul. However, Aghati karma does assist in the destruction of Ghati karma, but it does not itself destroy the inherent knowledge-perception qualities of the soul. Nevertheless, it does exhibit its own unique power. For example, due to Ayu karma, the soul resides in a particular body for a limited time, meaning Ayu karma binds the soul to the prison of the four-fold world, and thus harms the soul's perception qualities. Nama karma deceives the soul's inherent qualities of being invaluable and subtle, causing the soul to manifest in various locations, forms, and bodies. Therefore, Nama karma gives the soul various names, like a painting drawn by a painter, making the soul multi-faceted and multi-formed! Gotra karma harms the soul's inherent qualities of being heavy and light, causing a pure, homogeneous soul to experience the disparity of high and low Gotras. Vedaniya karma destroys the soul's inherent quality of uninterrupted happiness, causing the soul to experience both happiness and sorrow, like a thorny path covered with honey. Thus, these four Aghati karma, although not fundamentally destructive of the soul's qualities, do have their own unique effects and play their respective roles. - Thus, among these eight types of karma, the destructive karma like knowledge-obscuring karma is like a cloud. When it is shattered by the wind of Dharma-sannyasa yoga, it dissolves, and through the power of supreme effort, one becomes a Shriman Dharma-sannyasa Jnana-kevali, that is, an omniscient Supreme Soul. Just as clouds are scattered by the wind, so too is the cloud of destructive karma shattered by the force of Dharma-sannyasa. This powerful Dharma-sannyasa, as mentioned earlier, begins with the eighth "Apuurvakaran" state, where the process of destruction begins. Here, the powerful yogi, with his unique self-effort and self-indulgence, mounts the chariot of destruction and, while destroying karma, consuming it, and eliminating it, he progresses forward, manifesting his heroism in the seat of the soul, like a great warrior. He continuously increases his restraint, which is the state of the soul, and, while throwing away the shackles of karma, he leaps forward to the higher and higher states of being, increasing the growth of the destructive force. Finally, at the end of the twelfth state, he destroys all Vedaniya karma and attains the supreme state of being, the supreme state of being free from attachment, the supreme state of being free from attachment.
* "Tat: Seshajan Cha Vaari Vivaana!
Gunaana Baatmi Varaavo Vyaatmiraatti Ni" - Shri Panchaadhyaayi,