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Writer's pictureKhushboo Chaudhary

How to clear your karmic debt to set your soul free?

Updated: Nov 16, 2021


What is karma/ Why clearing Karmic Debt is important? How to clear karma debt?

Clearing of Karmic debt is ultimately to free your soul from all of the earthly bondages, so that it may rise up to the supreme power. As long as there is a karmic debt owed by you or owed to you, you are dependent upon the law of Karma – the law of action and results. Each and every deed (good or bad) activity carries the seed of consequences. Whatever situation you are in right now is only the result of the karma you did in past. While it might give the idea that one can’t get away from the laws of Karma, it is possible to rise above this apparently endless cycle.


What is Karmic Debt?


Karmic Debt is the unrealized Karma, both “good” and “bad,” that you owe to others or that others owe to you. If you owe someone something, the law of karma ensures that the debt is paid off. It also ensures that others pay what they owe to you. This deficit is called Karmic Debt. Its repayment may happen in this lifetime or other lifetimes.



Karmic debt arises in various forms. Sometimes it is financial; sometimes it is based on love, other times on anger or revenge, on helping someone, on betraying someone. In other words, karmic debt comprises the whole spectrum of human interactions.



So long as there is outstanding Karma, a soul continues to return to the earth to reincarnate in a suitable body. One’s soul is not only subjected to the external forces or laws of karma, but also is an active participant, often choosing their life, family, and circumstances with the intention of resolving their karmas and learning sincere lessons on a soul level. It is the intent of both the Universe and the soul, to experience and exhaust its karmas during its lifetime in the body. But most often, once in the material and physical world, our earth-plane consciousness forgets our soul’s intent. Consequently, the choices made in our physical bodies create more karmas – persisting the never-ending cycle of birth, death, and rebirth.


Why clearing Karmic Debt is important?


To free the soul from earthly bondages to make it merge with the infinite divine, it becomes important to pay your karmic debt.


We may think that “good” karma helps us get closer to our ultimate purpose in life. However, from the perspective of attaining enlightenment, both good karma and bad karma continue the cycles of life, death, and rebirth.


Regardless of the nature of the binding, your soul is still bound. Good karma may bring happiness and comfort, and bad karma may bring about suffering. But you are in chains either way.


Amongst other things, the liberation of the soul is a state where one’s Karma is zero. When the Karma comes to an entirely neutral state, with neither good karma nor bad karma outstanding, then the person is said to have obtained liberation.




How to clear Karmic Debt?


There are three types of Karmas — Sanchita Karma, Prarabdha Karma, and Agami Karma.


Prarabdha Karma is that karma that has already been set in motion, it is ripe and ready to be experienced. Experiencing this karma is inevitable, whether it is good or bad. One cannot choose whether to experience it or not and one does not have the power to defer experiencing it. There is no way around it.


But to lessen its effects, you can change your response to it. Just stand apart from the karma, while still experiencing it. In creating this distance between the experience and identification with the experience, you reach a state of peace. In such a state, you can handle both success and failure with the same steady state of mind and not be affected by the outcome. Accepting both positive and negative karma with the same attitude leads to the closure of that particular debt. Deal with both with equanimity and take full responsibility for what is happening in your life.



Sanchita Karma is the sum total of all the past karmas. Most likely, it will not be fully experienced in this lifetime of the soul, because of the time, space, and physical limitations of human birth. This karma is to be experienced in another incarnation of the soul.


What is karma/ Why clearing Karmic Debt is important? How to clear karma debt?

However, it is possible for you to gain complete control over Sanchita Karma, and to exhaust it fully, right here, in this lifetime. You can achieve this by doing deep Sadhana, such as various Yogic practices, with devotion in the heart and through the Grace of the Divine Masters. Meditation and Sadhanas erase the karmic impressions on the soul and can nullify the effects of Sanchita Karma.


Agami karma is the karma that we create in this current lifetime. As new karma is created, some of it becomes Sanchita Karma, and some of it becomes Prarabdha Karma. The effect of the newly created karma may be experienced in this lifetime as Prarabdha karma or, alternatively, karma which cannot be experienced in the present may be added to the Sanchita Karma account to be experienced in another lifetime.



Now you will ask how can you stop making karma as you are alive and it is essential to perform actions; there is no way around it. And actions do have consequences. Yes, you can stop making karma by performing every action with the intention and disciplined mindset that you are not the doer, and instead, the Supreme Universal Consciousness (or God) is the doer, and if you offer the action and the consequence to the Divine or your Higher Self, you do not acquire that Karma. This is the way to be in God-consciousness at all times, despite being in the midst of worldly action.


The Bhagavadgita explains this very clearly. It says that if you detach yourself from the results of your actions, when you do not consider yourself as the doer and instead treat yourself as the instrument of the Supreme Divine which is acting through you when you have that consciousness in everything that you do, then you are untouched by the karma that is created.



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