Saṃsāra-cakra, Preta’s 12-day Transit to Yama, Re-embodiment, and Karma-Vipāka Catalog of Sins and Rebirths
सो ऽपि मोहसमापन्नो जायते वानरो मृतः / न्यासापहर्ता नरकाद्विमुक्तो जायते कृमिः
so 'pi mohasamāpanno jāyate vānaro mṛtaḥ / nyāsāpahartā narakādvimukto jāyate kṛmiḥ
Even he, having fallen into delusion, is reborn as a monkey and dies so. But the one who steals what has been entrusted (nyāsa), after being released from hell, is born again as a worm.
Lord Vishnu (narrating to Garuda/Vinata-putra)
Afterlife Stage: Naraka
Concept: Moha and breach of entrusted property (nyāsa-apahāra) generate degrading embodiments; release from hell does not erase residual karmic seeds.
Vedantic Theme: Avidyā/moha as root of downfall; karma’s latency (bīja-bhāva) persists across realms until exhausted.
Application: Cultivate clarity and accountability; never misappropriate entrusted funds/property; implement transparent stewardship.
Primary Rasa: bhayanaka
Secondary Rasa: adbhuta
Type: cosmic justice realm to animal/low birth
Related Themes: Garuda Purana Pretakalpa: nyāsa-apahāra and other thefts mapped to naraka and yoni outcomes (adjacent lists)
This verse treats stealing an entrusted deposit (nyāsa-apahāra) as a grave breach of dharma, leading to hell and then a low rebirth, emphasizing the sanctity of trust and guardianship.
It presents a sequence: sinful action leads to naraka (hellish suffering), and after release the jīva takes a correspondingly degraded rebirth (here, as a worm), showing karmic continuity beyond death.
Do not misuse money, documents, or valuables kept in your care; treat fiduciary duty and promises as sacred, since betrayal of trust is portrayed as spiritually destructive.