आयुः कर्म च वित्तं च विद्या निधनमेव च । पञ्चैतानि हि सृज्यन्ते गर्भस्थस्यैव देहिनः
āyuḥ karma ca vittaṃ ca vidyā nidhanameva ca | pañcaitāni hi sṛjyante garbhasthasyaiva dehinaḥ
عمر، کرم، دولت، ودیا (علم) اور موت—یہ پانچوں حقیقتاً جاندار کے لیے اسی وقت مقرر ہو جاتے ہیں جب وہ رحم میں ہوتا ہے۔
Skanda (deduced: Nāgarakhaṇḍa Tīrthamāhātmya narration style)
Scene: A symbolic scene of an unborn child in the womb with five subtle emblems hovering—hourglass (āyus), ledger (karma), coins (vitta), manuscript (vidyā), skull/torch (nidhanam)—watched over by a cosmic order motif.
Human life unfolds within a karmic structure—key parameters of life are shaped by prior causes, urging humility and dharmic living.
No specific tīrtha is named in this verse; it provides the metaphysical backdrop for tīrtha-related merit and conduct.
None explicitly; it is a doctrinal framing statement.