Does prarabdha karma* and suffering persist after realisation/liberation?

Questioner: I have a question, if Ajnanam (ignorance) is removed* that means the whole source of Samsara is removed. In such a case why should the Jnani (realised sage) even have Prarabdha Karma*. That also should not be present right?

Tom: In Truth, there is not even any such thing as a Jnani (meaning a person or body-mind that is ‘realised’) – there is only That Objectless Subject-Self-Brahman. So there is no karma whatsoever for ‘a Jnani’ (a Jnani here meaning the Self). The self has no duality, and no karma. Karma is born of ignorance and is maya, unreal. They are one and the same – karma and ignorance – or one comes from the other. This is also what is taught in the Upanishads (eg. Adhyatma Upanishad) and by Shankara, both in his commentaries and in texts such as Vivekachudamani.

*Removal of ignorance is the same as Self-Realisation, so say the Upanishads, so says Shankara.

**Tom: Prarabdha Karma is the portion of karma that, according to the Vedas, gives rise to the body in the present birth and will play out and determine the specifics of the present life. A simple translation could be ‘destiny’ or ‘what is destined for this life’. The idea of this question is that, for example, if you have ‘been bad’ in the past and have accumulated negative karma as a result, even though you have realised the Self, this negative karma may continue and cause suffering for you even after Self-Realisation. The Upanishads are clear that all karmas and all suffering end upon Self-Realisation, so one need not even fear the negative results of one’s past actions if one realises the Self.

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