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Dravyasamgraha
to immortality, to annihilation of all Karmas, is the subjective side of Nirjarā or Bhāva Nirjarā. As a concomitant of this there appears the annihilation of Karmic dust, that clouds the divine beam of pure-self.
Chakravarti Nayanar, A., Ācārya Kundakunda's Pañcāstikāya-Sāra, p. 118.
Two kinds of dissociation of karmic matter from the soul (nirjarā) What is Nirjarā? The destruction of Karmas is called Nirjarā. The destruction may be of two kinds: Bhāva-Nirjarā and Dravya-Nirjarā. Bhāva-Nirjarā consists of that modification of the soul which precedes and favours the separation of Karmic matter from the soul. Dravya-Nirjarā is the actual separation of Karmic matter from the soul. In other words, Bhāva-Nirjarā is that state of the soul when the material particles arising from Karma disappear while Dravya-Nirjarā is the disappearance itself.
Bhāva-Nirjarā is of two kinds: Savipāka or Akāma and Avipāka or Sakāma. That is to say, Karmas are destroyed in two ways; viz. (1) after their fruits are fully enjoyed and (2) through penances before such enjoyment of fruits. Every person is affected with good or bad Karmas, the fruits of which are enjoyed by them in existence in earth, heaven or hell, according to the kind of Karma possessed by them. There is a fixed period of such enjoyment of the fruits of Karmas, and after the lapse of that period when the said fruits of Karmas are fully enjoyed, a person is freed from Karmas which disappear on their own accord. This is what is known as Savipāka-Nirjarā (or destruction of Karmas after the enjoyment of fruits). This kind of Nirjarā can happen to all beings, for all kinds of Karmas of all beings disappear in this manner after a proper period. As
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