Nārada’s Questions and Brahmā’s Reply: Vāsudeva as the Source; Sarga–Visarga; Virāṭ-rūpa Mapping
भूर्लोक: कल्पित: पद्भ्यां भुवर्लोकोऽस्य नाभित: । स्वर्लोक: कल्पितो मूर्ध्ना इति वा लोककल्पना ॥ ४२ ॥
bhūrlokaḥ kalpitaḥ padbhyāṁ bhuvarloko ’sya nābhitaḥ svarlokaḥ kalpito mūrdhnā iti vā loka-kalpanā
Others may divide the whole planetary system into three divisions, namely the lower planetary systems on the legs [up to the earth], the middle planetary systems on the navel, and the upper planetary systems [Svarloka] from the chest to the head of the Supreme Personality.
The three divisions of the complete planetary systems are here mentioned; fourteen are imagined by others, and that is also explained.
This verse explains their placement in the universal form: Bhūrloka at the feet, Bhuvarloka at the navel, and Svarloka at the head of the cosmic person.
He is teaching Parīkṣit Mahārāja a devotional way to understand creation—by seeing all realms as resting within the Lord’s universal form, which supports meditation and God-centered vision.
Practice seeing the universe as sacred and connected to the Divine—this reduces ego-centered thinking and strengthens reverence, gratitude, and steady remembrance of God.