Tad-buddhayas-tad-atmanah

Those whose intellect, mind, faith, and final refuge — all four — rest in the Supreme, those whose sins have been washed clean by knowledge, they reach the state from which there is no return.

When a river reaches the ocean, it does not remain a river. It becomes the ocean itself. In the same way, those who are fully absorbed in the Paramatma step out of the cycle of worldly existence altogether.

This shloka describes the culmination of Jnana Yoga. 'Apunar-avrittim' — the state of no return — points to moksha. Tradition gives special weight to the phrase 'jnana-nirdhuta-kalmashāh': knowledge is not merely intellectual — it also purifies the accumulated burden of sin.