Are our earnings decided by the karma network of God?

Are our earnings decided by the karma network of God?

A male devotee (Name hidden) asked like this:

“Hare Krishna Prabhuji, first of all i want to appreciate your efforts that you are doing a fantastic job and your replies to questions asked by the devotees is so detailed and wonderfully explained. My question is there is a concept in Islam that our Rizq i.e. or earnings are predetermined by God does this concept also exist in hinduism and if yes can u please provide the reference of the book or any sholk related to that, there is one more small question is taking interest also prohibited in Hinduism like in Muslims? hide my name. there are 2 questions if u would like to answer one then i would prefer to ask the first one.”


Yes, it is PARTLY true. Our earnings are predetermined, but by OURSELVES, not by god.

Some children take birth in beggars’ families.

Some children take birth in rich families.

What is the fault on the part of children to take birth to the beggars?

In Sanatana dharma, it has clear explanation.

God created man and allows him to act freely.

The man performs some actions and also faces the reactions for those actions either in the same birth or in the next birth.

Some simple offenses are given reactions in the same birth.

Some serious offenses are given punishments in the next birth.

If a person is earning excessively, but enjoys everything selfishly for his own comforts without helping others, he will be given birth in a beggar’s family.

Thus, Our earnings are decided by ourselves and implemented by the karma network of God.

It is determined by ourselves in our previous births.

There is no need for any scriptures to prove this.

All our scriptures have clearly declared that everything in our life is predetermined by karma, ie, by our activities in our previous births.

Karma theory is the basis of all the preaching and rituals recommended in the vedic scriptures.

The karma kanta of vedas are meant to do parihars and compensations to be done in day to day life.

(Are Siva and Brahma subject to karma and death like us? READ HERE!)

But, the Upanishads speak about the karma as actions and reactions.

Everything that we have ever thought, spoken, done or caused is karma, either in this birth or in our previous births.

(1) Krishna Himself has said clearly in Bhagavad Gita about Karma:

”No one who does good work will ever come to a bad end, either here or in the world to come.”

(2) The Saint Tulasidas said:

“Our destiny was shaped long before the body came into being.”

Not only the Indian scriptures, many worldwide authors and thinkers have confirmed this to our surprise:

(3) “Russell Simmons” said:

“If you give a good thing to the world, then over time your karma will be good, and you’ll receive good.”

(4) Dalai Lama XIV said:

“Dangerous consequences will follow when politicians and rulers forget moral principles.”

(5) “Leonardo da Vinci” said:

“Learn to see. Realize that everything connects to everything else.”

(6) Sylvester Stallone said:

“There’s a natural law of karma that vindictive people, who go out of their way to hurt others, will end up broke and alone.”

So, earnings are decided by the karma network.


There are three types of Karma.

Sanchita Karma:

THE STOCK OF the accumulated karma (Say, like a bag). It would be impossible to experience and endure all karmas in one lifetime. From this stock of sanchita karma, a handful is taken out to serve one lifetime and this handful of actions, which have begun to bear fruit and which will be exhausted only on their fruit being enjoyed and not otherwise, is known as prarabdha karma.

Prarabdha Karma:

Part of Karma faced by us in the present life by getting taken from the bag of Sanchita karma. That means, Fruit-bearing karma is the portion of accumulated karma that has “ripened” and appears as a particular problem in the present life.

(How our next country and religion of birth are decided by karma? READ HERE!)


Everything that we produce in the current life and will be added to the bag of Sanchita karma that will shape our future.

As long as the stock of sanchita karma lasts, a part of it continues to be taken out as prarabdha karma for being enjoyed in one lifetime, leading to the cycle of birth and death.

A Jiva (Person) cannot attain moksha (liberation) from the cycle of birth and death, until the accumulated sanchita karmas are completely exhausted.

Let these details be. Let us see in simple terms:

Yesterday’s Misers are today’s Poor.

Yesterday’s broad minded people are today’s rich people.

(Why should we fear for karma as we forget our karma in next birth? READ HERE!)

Let a person helps liberally to the distressed people though by borrowing or begging if they have no money with them when someone asks for help. He helps a person at any cost either by borrowing or begging.  He does not know to say NO to anyone who asks fr help from them.

Such persons will become listed in the richest people in the world.  Today’s Richest people that we see have been helped the needy people by taking pains.

This has made them make money without limits and see their money grow minute by minute.

There are some other people who are not even fit to be classified as misers. They will enjoy everything from others and will never do anything good for others.  He will never show gratitude for others. He will not offer even a rupee for the suffering people.

Such persons will take birth as poor in the next birth.  More we help others in this birth, more we will earn in our next births.

(Is Changing Karma by prayers possible or not? READ HERE!)

So, our monetary position and earnings are decided by the karma network and its richness or poverty level level are decided by how much we helped others.

Had we helped others more in our past births, we will earn more in this birth.

A real help is showing the gratitude to the debts we owe to others – guru, animals, birds, ancestors, other people, etc.  Because, we have been gaining something from others day by day.

To reciprocate to your guru, serve him through your service or atleast through earnings to fulfill his mission.

To reciprocate to your ancestors, do the recommended rituals for them.

To reciprocate to the other people who help you through grains, supplying, etc, help them whenever they require.

To reciprocate to the animals who help us to produce grains (bulls), give good care to them.

To reciprocate to the birds that spread the  seeds and help the plants grow everywhere, offer food t the crows and other birds.

(If karma decides our next birth, how did we take first birth without karma? READ HERE!)

Thus, we are indebted to many in this birth. So, we have to clear them by helping others.

If we remain misers without reciprocating those who help us, we will take birth as poor again.

Karna and Sudhama are the best examples for helping others even when they are suffering.

The life on this earth has been designed as if every living being is expected to help each other by understanding the role played by each other in the maintenance of the affairs of this planet.

So, be broad minded to have more money.

Scriptures simply say:  More we give, more we will get back.

When we give more, our negative karma is reduced. So, we get more.

Simple equation.  But true equation.

Thus, it is clear that our earnings are decided by the karma network. Understood?

You have also asked whether getting interest is banned in Hinduism.  No such barring, but, genuine and bearable profit making thru interest is allowed in Hinduism.  Only the gambling types of investments are barred.  We invest in banks and get some genuine interest.  We take the money from bank fixed deposit and help to some friend.  It is not wrong to get from that friend similar interest given by the banks.  The point is that, we should not hurt him by charging interest excessively.

(How Devotional Service or Bhakti relieves from karma & material distress? READ HERE!)

Author: RAJAN

RAJAN from Tamil Nadu, India, a Life Patron and an Initiated Devotee being in ISKCON for nearly three decades, serves anonymously to avoid Prominence and crowd as an insignificant, Humble and Neutral Servant for all the devotees of Krishna! He promotes Social media forums and this blog-website as e-satsangha (e-forums) blessed with Lakhs of followers, to give Spiritual Solutions for all the Material Problems of the devotees since 2011! He writes friendly and practical tips to practice devotion (i) without hurting the followers of other paths, (ii) without affecting the personal and career life, and (iii) without the blind, superstitious and ritualistic approach! He dedicates all the glories and credits to his Guru and Krishna.

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