वणिक् प्रदद्याद् द्विगुणं कुसीदी त्रिगुणं पुनः / कृषीवलो न दोषेण युज्यते नात्र संशयः
vaṇik pradadyād dviguṇaṃ kusīdī triguṇaṃ punaḥ / kṛṣīvalo na doṣeṇa yujyate nātra saṃśayaḥ
Um mercador pode restituir em dobro, e um agiota profissional pode ainda restituir em triplo; porém o cultivador não é tido por culpado por não fazê-lo—não há dúvida nisso.
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.