Nīti-saṅgraha: Conduct, Association, Kali-yuga Decline, and the Supremacy of Vidyā
आयुः कर्म च वित्तं च विद्या निधनमेव च / पञ्चैतानि विविच्यन्ते जायमानस्य देहिनः
āyuḥ karma ca vittaṃ ca vidyā nidhanameva ca / pañcaitāni vivicyante jāyamānasya dehinaḥ
At the very birth of an embodied being, five things are determined: lifespan, actions (karma), wealth, knowledge, and also death.
Lord Vishnu (in discourse to Garuda/Vinata-putra)
Concept: Prarabdha-karma determines lifespan, life-pattern of action, wealth, learning, and death; one should act wisely within what is allotted.
Vedantic Theme: Prarabdha and embodiment; distinction between what is given (prarabdha) and what is cultivated (purushartha) within dharma.
Application: Accept what cannot be controlled without despair, but pursue dharma and self-improvement; plan life with awareness of mortality and uncertainty.
Primary Rasa: shanta
Secondary Rasa: bhayanaka
Related Themes: Garuda Purana 1.115 (karma, destiny, and ethical counsel)
This verse states that key life-parameters—lifespan, one’s karmic trajectory, wealth, knowledge, and the certainty of death—are already settled at birth, urging a person to live with dharma rather than arrogance or despair.
By emphasizing karma and death as fixed realities for the embodied being, it frames human life as a limited window in which one’s actions shape spiritual outcomes, aligning the soul’s journey with karmic law.
Accept what cannot be controlled (life-span and death) and focus on what can be refined—conduct, learning, and charitable discipline—so karma is purified and life is used meaningfully.