Here is a concise Jain perspective on cosmology:

• The universe (loka) is without a creator and is eternal. It is neither created nor destroyed; it undergoes cycles of growth and shrinkage over vast time periods.

• Loka is structured in three broad realms:

- Urdhva-loka (upper world): the heavenly realms where celestial beings dwell. These are long-lived but not eternal. - Madhya-loka (middle world): the human and earthly realm, where humans, animals, plants, and many beings live. This is the main arena for spiritual practice and merit, and is surrounded by celestial realms above and infernal realms below. - Adho-loka (lower world): the hellish realms where beings experience pain as a consequence of negative karma.

• Above the upper world lies Siddhashila, a region at the very top of the universe where liberated souls (tirthankara-like beings and others who have achieved final liberation) reside in a state beyond time and karma.

• Time in Jain cosmology is cyclical and vast. It consists of cycles of age (ayono or utsar and avsar) with periods of rising virtue and enlightenment followed by periods of decline and suffering. The universe itself does not end; it transitions through these long cycles.

• Karma and rebirth drive movement between these realms. Positive actions propel beings toward higher realms or spiritual liberation, while negative actions pull them toward lower realms. The aim of spiritual practice is to purify the soul (jiva) of karma and attain kevala jnana (omniscience) and liberation (moksha).

• The world is described as a flat, two-dimensional plane with the various realms arranged vertically. This cosmology emphasizes the moral geography of action and its consequences, rather than a physical map to be traversed.

If you’d like, I can explain how specific Jain sutras or stotras describe this cosmology, or compare Digambara and Śvētāmbara presentations of these ideas.