Shloka 24
चिरकारि-उपाख्यानम् / The Exemplum of Cirakārī: Deliberation Before Irreversible Action
जो अपनी आवश्यकतासे अधिक हो, उन भोगपदार्थोंको दूसरे दीन-दुखियोंके लिये बाँट दे। इसीलिये विधाताने सूदपर धन देनेकी वृत्ति चलायी है ।।
bhīṣma uvāca | yo 'vaśyakatāto 'dhikaṃ bhavet, tān bhogapadārthān anyebhyo dīna-duḥkhitebhyo vibhajeta | tasmād vidhātrā vṛddhyā dhana-pradāna-vṛttiḥ pravartitā || yasmiṃs tu devāḥ samaye saṃtiṣṭheran tathā bhavet | athavā lābha-samaye dharme sthitir api śobhanā ||
毗湿摩说道：“若有人所享之乐与所具资财，超过其真正所需，当将这些物品分施于贫困受苦之人。正因如此，造化之主（维达塔）才允许以利息出贷财物之行——使多余之财得以流转，抵达有需者。凡诸天在适当之时所坚守的正道与界限，人亦当依同一准则而坚定不移。诚然，即便在获利得财之际，仍能安住于达摩，本身便是高贵之举。”
भीष्म उवाच
Educational Q&A
Surplus enjoyment and wealth should be redirected to relieve the suffering of the poor; and even when profit arises, one must remain steady in dharma, following the same moral boundaries upheld by the gods.
In the Shanti Parva’s instruction on righteous living, Bhishma continues advising on social and economic conduct—urging redistribution of excess, explaining the rationale for wealth-lending practices, and emphasizing steadfastness in dharma especially at moments of gain.