Summary: seems to function more as a facilitator or a way to escape the consequences of karma, rather than being the ultimate source of grace and mercy. Therefore, while the concept of karma demonstrates the sense of justice and balance in the universe, it also poses challenges in integrating the idea of a personal, loving God who offers forgiveness and salvation based on grace alone. The comparison with St. Paul's rejection of legalism and emphasis on the redemptive work of Christ highlights the profound difference in the theological approach to the concept of divine grace and human responsibility. This analysis underscores the complex interplay between karma, grace, and the idea of a personal God in the Hindu tradition, shedding light on the distinct theological challenges and possibilities that emerge from these foundational beliefs and practices.