So this is karma-cakra. We are getting some opportunity and making our next life. In this way it is called karma-cakra. Yas tv indra-gopam athavendram aho sva-karma-bandhānurūpa-phala-bhājanam ātanoti [Bs. 5.54]. Everyone is enjoying the result of his past karma. Who? Now, from, beginning from that King Indra, the heavenly king, very powerful, exalted position. That Indra, and there is an insect which is called indra-gopa. Yas tv indra... Indra-gopam mahā-indra. Beginning from this insect known as indra and up to that Indra, everyone is bound up by his karma-phala. That is called destiny. Everyone is bound up.
yas tv indra-gopam athavendram aho sva-karma-
karmāṇi nirdahati kintu ca bhakti-bhājāṁ
govindam ādi-puruṣaṁ tam ahaṁ bhajāmi
Those who have taken, fully surrendered to Kṛṣṇa, bhakti-bhājām, karmāṇi nirdahati, their karma, nirdahati, means as far as possible the result is diminished or practically made nil. Even it is there, karma-phala, very slight. Just like the example is just like one is condemned to be murdered by somebody by cutting his head, but by Kṛṣṇa's grace he may be saved from cutting the head. Suppose there is some accident by knife in the hand. They are calculated like that. And generally, a devotee is completely relieved from all karma-phala. So ordinarily, we are indebted to so many persons, not only bāla, dvija, gopa, but ṛṣi, and the devatās. We have to take care of it. But if we become fully surrendered to Kṛṣṇa, sarvātmanā ye śaraṇaṁ śaraṇyaṁ gato mukundam. Not any other demigods. Mukundam. Mukundam means... Muk means liberation. So one who gives liberation. Gato mukundaṁ parihṛtya kartam. So one who takes full shelter of Mukunda, Kṛṣṇa, then He's freed from all this indebtedness to so many persons.
Śrīmad-Bhāgavatam 1.8.49 -- Māyāpura, October 29, 1974