Answer

According to Digambar Jain tradition, in the present era, moksha is attained only after becoming a Digambar muni, because complete renunciation, total aparigraha, and the highest conduct are required for liberation.

A person with good karma alone cannot attain moksha. Good karma can give favorable conditions, such as human birth, right faith, opportunity to meet true Dharma, and ability to renounce. But moksha requires the destruction of all karmas, not merely the possession of good karma.

Explanation

In Jain Dharma, moksha means the soul becomes completely free from all karmic bondage. For that, the soul must attain:

• Samyak Darshan — right faith
• Samyak Jnan — right knowledge
• Samyak Charitra — right conduct

In the Digambar view, the highest and final form of right conduct requires complete renunciation. A Digambar muni gives up all possessions and practices the most advanced form of aparigraha. Therefore, Digambar tradition holds that this state of muni-dharma is necessary for the final path to moksha.

Good karma is helpful, but it is still karma. Even punya karma binds the soul, though it gives pleasant results. Moksha comes only when both:

• Punya — meritorious karma
• Paap — sinful karma

are completely destroyed.

Important Digambar Understanding

Digambar tradition also teaches that:

• A layperson can progress greatly spiritually.
• A shravak or shravika can earn immense punya and purify the soul.
• They can develop right faith and prepare for renunciation.
• But the final liberation is attained through the complete conduct of a Digambar muni.

So, a person with good karma may reach very high spiritual states and may later become a muni, but good karma by itself is not enough for moksha.

Takeaway

In Digambar Jain tradition, moksha requires complete destruction of karma through right faith, right knowledge, and perfect conduct. Good karma helps create the opportunity, but final liberation requires the complete renunciation and conduct of a Digambar muni.