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What is the difference between Punya, Paap and Karma?

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Question - Gurudev, What is the difference between Punya, Paap and Karma?


Gurudev Sri Sri - Punya is debit card - pay first and enjoy later. Paap is credit card - enjoy first and pay later. 
Karma is a restaurant, where there is no need to place order - We are served , what we have cooked. 

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