This bank and That Bank


Study Circle: 08/12/18

Sathya Sai speaks – Vol6 Chapter 19: This Bank and That Bank

I am glad that the State Bank of India is opening a branch here in the Prashaanthi Nilayam area. Artha (wealth) is one of the Purushaarthas – legitimate objects of human endeavour. The four purushaarthas are dharma, artha, kaama and moksha. They have been listed so, in that order, on purpose. Dharma (righteousness) has to direct and control the process of earning wealth (artha) and moksha (liberation) is to be the regulating factor of desire (kaama). All artha accruing from sources minted by adharma (vise) is to be treated with contempt as unworthy of man. All desires that do not subserve the one supreme need for liberation are to be given up as beneath the dignity of man. So, the Adhyaathmic (spiritual) basis of dharma and moksha : as to be the root of both artha and kaama. Without it, earning degenerates into plundering; desire degenerates into death.

This Bank helps you to keep your money safe when you deposit it with them. They are happy to receive it from you; they will allow you to
make use of it when you are in difficulty. But your money helps you only in worldly distress. You accumulate it with great care, by thousands of acts of denial, denying yourselves this comfort or that convenience, saving in this item and that, spending less and earning more; but a day comes when you have to leave the pile and go, emptyhanded. This passbook will not be looked into there. Why, even while here, when the pile grows into an attractive quantity, sons start fighting for it, causing you anxiety and fear; taxes take away a large share; thieves and crooks have an eye on it.

Depositing spiritual efforts gets peace

There is another Bank which receives deposits and maintains accounts strictly and confidentially. Every little sum is entered and accounted for deeds, thoughts, words, good, bad and indifferent. If this Bank takes good care of your asthi (properties, wealth), that Bank watches whether you are an aasthika, a person who acts on the assumption that there is asthi – a sovereign guiding principle that is divine, that whispers warnings from the heart when dharma and sathya are infringed, when artha and kaama enslave man unchecked. No son can sue for that aasthi; no tax-gatherer can lay his hands on it. No crook can transfer it to his purse.

Open a deposit account there, in that Bank, for your prosperity here and hereafter. That deposit, growing by your spiritual efforts, will give you joy and peace.

While you should develop this saving habit here, for the sake of old age and a rainy day, it is necessary that you should develop that “saving habit” for the hereafter, so that you may be saved. Dharmam chara, sathyam vadhathat is the method. Dharma and sathya and prema are the currency accepted by that other Bank. All acts, words and feelings ringing with the
purity of these metals will be accepted as deposits. So, along with an account in this bank, you must take care to have an account in that other Bank also.

You talk glibly of Raamaraajya but how can it be established, if you do not emulate Raama? He was Vigrahavaan Dharmah—the very embodiment of virtue. He never deviated from it. Dasharatha means he who is master of his ten senses, the five karmendriyas (senses of action) and the five jnaane-ndriyas (senses of perception): that is to say, the successful saadhaka. Such a person can have the holy progeny of the four Purushaarthas: Dharma (Raama), artha (Lakshmana), kaama (Bharatha) and moksha (Shathrughna). Become a Dasharatha and have that holy progeny, as a gift from God.

Draw upon the accounts of previous births

This bank will not give loans to all and sundry; its help is only for those who are credit-worthy, who have impressed by their industry and integrity that they will make good use of the money and keep their word. That other Bank too will save from distress and grief those who have sathya, dharma, shaanthi and prema. This bank will help only in proportion to the deposits that stand in your name; that Bank too deals like that. The consequences of the meritorious activities of previous births can be drawn upon now; but unless you have them, no cheque will be honored. Moreover, only those who have the account can operate. Each must have a separate account in his own name; one brother cannot draw on the account of another brother; the wife cannot draw on the account of the husband.

This bank will give loans if you mortgage your house or lands, property that has come down to you from your ancestors, gold jewelry that has come to you from your mothers, etc. That Bank also will allow you to draw upon the accounts of previous births, and deposits made then. That is why you find some people, who are obviously wicked and cruel, mean and miserly, yet leading ‘happy’ lives, free from pain and grief. They have drawn upon deposits made in the past. They are entitled to that happiness.


  1. Swami says that we should draw upon the accounts of
    previous births. This bank will not give loans to all and sundry; its help is
    only for those who are credit-worthy, who have impressed by their industry and integrity that they will make good use of the money and keep their word.  

Reflect a little.  How can one become credit worthy?

2. Reflect a little.  Swami says that we need to make good use of
the money and keep our word?  What do you
understand by this statement, and how can we achieve this?   

3. Swami says that, the other Bank also will allow you to draw upon the accounts of previous births, and deposits made then. That is why you find some people, who are obviously wicked and cruel, mean and miserly, yet leading ‘happy’ lives, free from pain and grief. They have drawn upon deposits made in the past. They are entitled to that happiness.

Why do you think can one  be good in one life and be bad in the  very next?  Please share your thoughts.

Affirmation:  I am good

Life application skill: 
Please come up with one based on today’s reading