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## P Financial Karma Granth
This text explains the **bandha-yoga** (binding) nature of the eleven to fourteenth **guna-sthana** (stages of spiritual development).
**Verse 12:**
The **bandha-vichched** (release from binding) of the sixteen **prakriti** (natures) - four **darshanavaran** (obscurations of perception), **uchcha-gotra** (high lineage), **yasha-kirti-nama** (fame and reputation), and ten **jnana-avaran** (obscurations of knowledge) - occurs at the end of the tenth **guna-sthana**. Therefore, in the eleventh, twelfth, and thirteenth **guna-sthana**, only **satavedaniya karma** (karma that can be experienced) is bound. In the **sayogikevali guna-sthana** (stage of perfect liberation), even this is released, ending all binding in the fourteenth **guna-sthana**.
**Explanation:**
This verse describes the **bandha-yoga** nature of the eleven to thirteenth **guna-sthana** and explains the state of **abandha** (non-binding) in the fourteenth **guna-sthana** and its cause.
Although the **sthula lobha-kṣaya** (gross greed) does not arise in the tenth **guna-sthana**, a subtle **lobha-kṣaya** remains. This subtle **kṣaya** (passion) is not a cause of binding. However, a very subtle aspect of **kṣaya** remains in the tenth **guna-sthana**. Therefore, due to the presence of **kṣaya** and **yoga** (union) as the cause of binding, the four **darshanavaran** (**chakshu-darshanavaran**, **achakshu-darshanavaran**, **avadhi-darshanavaran**, **keval-darshanavaran**), **uchcha-gotra**, **yasha-kirti-nama**, five **jnana-avaran** (**mati-jnana-avaran**, **shruta-jnana-avaran**, **avadhi-jnana-avaran**, **manah-paryaya-jnana-avaran**, **keval-jnana-avaran**), and five **antaraya** (**dana-antaraya**, **laba-antaraya**, **bhoga-antaraya**, **upbhoga-antaraya**, **dirgha-antaraya**) remain bound.