Shloka 18
Vipulopākhyāna—Ruci-rakṣā and Śakra’s Māyā (विपुलोपाख्यानम्—रुचिरक्षणं शक्रमाया च)
विशुद्धेन सुविनीतेन कर्मणा । एवं गृहस्थ: कर्माणि कुर्वन् धर्मान्न हीयते
bhīṣma uvāca | viśuddhena suvinītena karmaṇā | evaṃ gṛhasthaḥ karmāṇi kurvan dharmān na hīyate | yo yajña-yāgādibhiḥ kṛtvā devatā-ṛṇāt, vedānāṃ svādhyāyena ṛṣi-ṛṇāt, śreṣṭha-putrasya utpādanena tathā śrāddhena pitṛ-ṛṇāt, dānena brāhmaṇa-ṛṇāt, ātithya-satkāreṇa atithi-ṛṇāt ca mucyate; tathā kramaśaḥ viśuddha-vinaya-yukta-prayatnena śāstroktān karmāṇām anuṣṭhānaṃ karoti—sa gṛhasthaḥ kadācit dharmāt na bhraśyati |
毗湿摩说道：“以清净而有纪律的行为，居家者（gṛhastha）履行其分内之事，便不致失落达摩。依其先后次第，他得以解脱诸债：以祭祀与供奉偿诸天之债；以研习吠陀（svādhyāya）偿诸仙圣之债；以生育贤良之子并行施食祭（śrāddha）偿祖先之债；以布施偿婆罗门之债；以礼敬款待偿宾客之债。以愈加清净、愈加谦恭之心奉行经典所命之行，如此的居家者永不偏离正道。”
भीष्म उवाच
Educational Q&A
A householder remains established in dharma by performing scripturally prescribed duties with purity and humility, thereby repaying the key obligations (ṛṇas) to gods, seers, ancestors, Brahmins, and guests through sacrifice, study, progeny and śrāddha, charity, and hospitality.
In Bhishma’s instruction on conduct (Anuśāsana), he explains to the listener the ethical-religious framework of gṛhastha life: disciplined performance of rites and social duties frees one from various obligations and prevents moral decline.