Samyak ratna means the three jewels of Jain path: Samyak Darshan (right faith/perception), Samyak Jnana (right knowledge), and Samyak Charitra (right conduct). Here are simple steps to grow them:

• Step 1: cultivate Samyak Darshan (right faith/perception)

- Seek true understanding of the soul, karma, and the universe. - question false beliefs, listen to the Tirthankaras, and study authentic Jain scriptures with a calm, open mind. - practice contemplation that removes confusion and attachment to wrong views.

• Step 2: develop Samyak Jnana (right knowledge)

- Learn the true nature of reality as taught in Jain teachings (substance, karma, bondage, and liberation). - study the scriptures with discernment, and connect knowledge to right faith so it leads you toward liberation. - avoid misinterpretations and blind faith; let knowledge clarify your understanding.

• Step 3: follow Samyak Charitra (right conduct)

- Live according to Jain ethics: non-violence, truth, non-stealing, chastity, and non-attachment (for lay followers: Panch Vrata; for monks: applicable vows and disciplines). - practice self-discipline of body, speech, and mind; perform regular spiritual practices (such as penance, meditation, and reflection) to purify karma. - let conduct reflect your faith and knowledge, so there is steady progress toward liberation.

About differences between Digambar and Shwetambar:

• Both traditions accept the three jewels as the path to liberation: right faith, right knowledge, and right conduct.
• Details of interpretation or emphasis can vary in texts and practices, but the core idea of the Ratna-Traya remains the same.

If you’d like, I can outline how laypeople and monks apply these three jewels in daily practice, or summarize key scriptures that define Samyak Darshan, Samyak Jnana, and Samyak Charitra.