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Shloka 95

Ācāra-Nirṇaya: Varṇa-Āśrama Dharma, Śauca, Snāna, Sandhyā, Japa, Tarpaṇa, and Gṛhastha-Dinacaryā

Devanagari script

देशं गतानां या वृद्धिर्नानापण्योपजीविनाम् / कुसीदं कुर्वतः सम्यक् संस्थितस्यैव जायते

Transliteration

deśaṃ gatānāṃ yā vṛddhirnānāpaṇyopajīvinām / kusīdaṃ kurvataḥ samyak saṃsthitasyaiva jāyate

Translation

देशं गतानां नानापण्योपजीविनां या वृद्धिः, सा कुसीदं कुर्वतः सम्यक् संस्थितस्यैव जायते।

Word by Word
देशम्to a place/region
देशम्:
Karma (Object/कर्म)
TypeNoun
Rootदेश (प्रातिपदिक)
Formपुंलिङ्ग, द्वितीया (2nd/Accusative), एकवचन
गतानाम्of those who have gone
गतानाम्:
Sambandha (Genitive relation/सम्बन्ध)
TypeVerb
Rootगम् (धातु) (कृदन्त: क्त)
Formभूतकृदन्त (past active participle, क्त); पुंलिङ्ग, षष्ठी (6th/Genitive), बहुवचन; 'गच्छताम्/गतवताम्' अर्थे
याwhich
या:
Karta (Subject/कर्ता)
TypeNoun
Rootयद् (सर्वनाम-प्रातिपदिक)
Formस्त्रीलिङ्ग, प्रथमा, एकवचन; सम्बन्धबोधक सर्वनाम (relative pronoun)
वृद्धिःincrease/profit
वृद्धिः:
Karta (Subject/कर्ता)
TypeNoun
Rootवृद्धि (प्रातिपदिक)
Formस्त्रीलिङ्ग, प्रथमा, एकवचन
नाना-पण्य-उपजीविनाम्of those living by various trades/merchandise
नाना-पण्य-उपजीविनाम्:
Sambandha (Genitive relation/सम्बन्ध)
TypeNoun
Rootनाना (अव्यय/प्रातिपदिक) + पण्य (प्रातिपदिक) + उपजीविन् (प्रातिपदिक)
Formपुंलिङ्ग, षष्ठी (6th/Genitive), बहुवचन; तत्पुरुष (पण्येन उपजीविनः) उपपद-समास; नाना इति विशेषणपूर्वपद
कुसीदम्usury/interest-lending
कुसीदम्:
Karma (Object/कर्म)
TypeNoun
Rootकुसीद (प्रातिपदिक)
Formनपुंसकलिङ्ग, द्वितीया (2nd/Accusative), एकवचन
कुर्वतःof one who practices/does
कुर्वतः:
Sambandha (Genitive relation/सम्बन्ध)
TypeVerb
Rootकृ (धातु) (कृदन्त: शतृ)
Formवर्तमानकृदन्त (present active participle, शतृ); पुंलिङ्ग, षष्ठी (6th/Genitive), एकवचन
सम्यक्properly
सम्यक्:
Avyaya (Adverbial)
TypeIndeclinable
Rootसम्यक् (अव्यय)
Formअव्यय (adverb)
संस्थितस्यof one who is well-established/steady
संस्थितस्य:
Sambandha (Genitive relation/सम्बन्ध)
TypeVerb
Rootसम् + स्था (धातु) (कृदन्त: क्त)
Formभूतकृदन्त (past participle, क्त); पुंलिङ्ग, षष्ठी, एकवचन; 'स्थित/स्थिर' अर्थे
एवindeed
एव:
Avyaya (Particle)
TypeIndeclinable
Rootएव (अव्यय)
Formअवधारणार्थक निपात (emphasis)
जायतेarises/is produced
जायते:
Kriya (Action/क्रिया)
TypeVerb
Rootजन् (धातु)
Formलट् (Present), आत्मनेपद, प्रथमपुरुष, एकवचन
Speaker

Lord Vishnu (in discourse to Garuda/Vinata-putra)

Philosophical Teaching

Concept: Profit that traders gain by traveling and diverse commerce is paralleled with the gain of one who lends at interest while remaining ‘well-established’—highlighting the social mechanism of wealth concentration.

Vedantic Theme: Preyas (easy gain) masquerading as success; attachment to security and accumulation strengthens ahankara and bondage.

Application: Interrogate ‘passive income’ ethics; prefer value-creating enterprise and fair partnership over extraction from others’ necessity.

Verse Rasa

Primary Rasa: shanta

Secondary Rasa: adbhuta

Geographic Context

Type: trade routes/foreign markets (implied)

Cross References

Related Themes: Garuda Purana discussions of household dharma: earning, giving, and purifying wealth through dana and worship (contextual).

Characters & Entities
G
Garuda
V
Vishnu

FAQs

This verse frames wealth-increase as something that arises from proper livelihood—trade through travel or lending—when done in a rightly ordered and stable manner, implying that gain should align with dharmic discipline rather than reckless or exploitative conduct.

Indirectly, it points to karma in worldly conduct: how one earns and increases wealth is a moral action that shapes merit and demerit, which the Garuda Purana later connects to post-death outcomes under Yama’s governance.

Earn through transparent, lawful work; if lending money, keep terms fair and responsible; and pursue profit from a stable, disciplined base rather than greed-driven risk or harm to others.

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