Shloka 22
शुभाशुभ॑ कर्म कृतं यदन्यत् तदेव प्रत्याददते स्वदेहे । मनो«नुवर्तन्ति परावराणि जलौकस: स्रोत इवानुकूलम्
śubhāśubhaṃ karma kṛtaṃ yad anyat tad eva pratyādadate svadehe | mano ’nuvartanti parāvarāṇi jalaukasaḥ srota ivānukūlam ||
毗湿摩说：凡人所作之业，无论吉凶，皆必在其自身具身之境中回返而受。高果与下果随心而行，如水中生类随其所宜之流。故当我依业而得新身之时，必然遭逢往昔善恶之报；此报由心之延续习气而施与。
भीष्म उवाच
Educational Q&A
Karma is inescapably self-returning: the very good and bad actions one has done ripen as corresponding results when one becomes embodied again. These results track the mind—its tendencies and impressions—so moral causality operates through the continuity of mental dispositions across lives.
In Śānti Parva’s instruction on dharma and liberation, Bhīṣma teaches Yudhiṣṭhira about the mechanism of karmic fruition. He uses the simile of aquatic creatures following a favorable current to explain how karmic outcomes naturally follow the mind into a new body.