वणिक् प्रदद्याद् द्विगुणं कुसीदी त्रिगुणं पुनः / कृषीवलो न दोषेण युज्यते नात्र संशयः
vaṇik pradadyād dviguṇaṃ kusīdī triguṇaṃ punaḥ / kṛṣīvalo na doṣeṇa yujyate nātra saṃśayaḥ
Seorang pedagang boleh membayar balik dua kali ganda, dan seorang peminjam wang berfaedah boleh pula membayar balik tiga kali ganda. Namun seorang petani tidak dipersalahkan dalam hal ini—tiada keraguan.
Lord Kūrma (as the instructor of dharma to the sages)
Primary Rasa: shanta
Secondary Rasa: vira
This verse is primarily dharma-vyavahāra instruction (social and economic duty), not a direct Atman teaching; it supports spiritual life indirectly by regulating conduct so householders can pursue śānti, yajña, and disciplined living.
No explicit yogic technique is taught here; the verse frames righteous livelihood (dharma) as the supportive ground for sādhana—especially for gṛhasthas—so that later teachings such as Pāśupata-oriented devotion, restraint, and inner steadiness can be practiced without social harm.
It does not explicitly discuss Śiva–Viṣṇu unity; it reflects the Purāṇa’s broader synthesis by presenting dharma as a shared foundation for devotion and liberation, regardless of whether one follows Śaiva (Pāśupata) or Vaiṣṇava modes of worship.