आयुः कर्म च वित्तं च विद्या निधनमेव च । पञ्चैतानि हि सृज्यन्ते गर्भस्थस्यैव देहिनः
āyuḥ karma ca vittaṃ ca vidyā nidhanameva ca | pañcaitāni hi sṛjyante garbhasthasyaiva dehinaḥ
আয়ু, কর্ম, ধন, বিদ্যা এবং মৃত্যু—এই পাঁচটিই দেহধারীর গর্ভস্থ অবস্থাতেই সত্যই নির্ধারিত হয়।
Skanda (deduced: Nāgarakhaṇḍa Tīrthamāhātmya narration style)
Scene: A symbolic scene of an unborn child in the womb with five subtle emblems hovering—hourglass (āyus), ledger (karma), coins (vitta), manuscript (vidyā), skull/torch (nidhanam)—watched over by a cosmic order motif.
Human life unfolds within a karmic structure—key parameters of life are shaped by prior causes, urging humility and dharmic living.
No specific tīrtha is named in this verse; it provides the metaphysical backdrop for tīrtha-related merit and conduct.
None explicitly; it is a doctrinal framing statement.