lokayor ubhayoḥ kṛtaḥ

rnaih-from the debts; tribhih-three; amuktanam-of persons not freed; amimamsita-not considering; karmanam-the path of duty; vighatah-ruin; sreyasah-of the path of good fortune; papa-O most sinful (Narada Muni); lokayoh-of the worlds; ubhayoh-both; krtah-done.