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SOUL
The following four illustrations are conclusive for the fact that karma has a physical form :
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1. Karma has a physical form because of the experience of pleasure, pain etc. That has a physical form in association with which pleasure etc. are experienced, just as the food one eats. There is no experience of pleasure etc. in association with that which is without a physical shape, just as in connection with the ether.
2. That in association with which a burning sensation arises is found to be something having a physical form, just as in association with fire, there is the rise of a burning sensation. So, pain occurs when one is in association with karma. Therefore, it has a form.
3. There is an addition of our strength by means of external objects. Only a physical strength can have an addition by means of the physical substance, just as a pot gets strength by means of oil etc. Such is the case with our strength which is karmic (product of karma) and on account of its being karmic, it can have an addition by means of external objects.
4. Karma has a physical form, because it undergoes change in a way different from soul. The pariṇāmitva (change) of karma is inferred from the pariņāmitva of its kāryas (effects) like body etc. If the effect is mutable, the mutability of its cause is automatically recognised, just as the mutability of milk is recognised from the pariṇāma of its kārya (curd) in the form of butter-milk (takra).
Jain Education International
Now, if we agree that karma is murta, how could the murta karma be connected with the amūrta jīva (formless soul), by the samavaya (inherent relationship) or by the samyoga (combination)? As a murta ghata (pot) is connected with the amūrta ākāśa (ether) by means of the samyoga and an object like finger is connected with kriyā (action) like contraction by means of the samavāya, so here also karma is connected with jiva.
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