Answer

In Jain Dharma, the microorganisms on our body are also living beings, each with its own soul and karma. After death, they do not “belong” to our soul anymore; they remain independent jīvas and continue according to their own karmas.

They do not automatically gain punya from our puja or other good actions just because they were on our body.

Explanation

In Jain philosophy:

• Punya and pāpa are individual karmas
• One soul does not transfer its merit to another soul simply by physical contact
• Microorganisms are not part of our soul; they are separate jīvas living around or on the body
• Our puja, devotion, and right conduct mainly affect our own karma

So if tiny beings are present on the body while we pray:

• they are not “earning merit” from our prayer in the same way we do
• they are independent souls with their own karmic bondage and unfolding

After death:

• the body becomes lifeless
• the microorganisms associated with it also separate in the natural course
• each jīva continues according to its own karma

Spiritual Understanding

This teaches an important Jain principle: every soul is separate and responsible for its own karma.

It also reminds us to practice:

• ahimsa carefully
• awareness of very small life forms
• humility, because our body hosts countless living beings

At the same time, Jain puja and devotion purify our own inner state and help us move toward restraint, compassion, and liberation.

Takeaway

Microorganisms on our body do not get punya from our puja just by being present there. In Jain Dharma, karma is personal. Your worship benefits your own soul, while every other jīva follows its own karmic path.