
jñānavijñānayogaḥ · 7.14
Taking Refuge Crosses Divine Māyā
दैवी ह्येषा गुणमयी मम माया दुरत्यया ।
मामेव ये प्रपद्यन्ते मायामेतां(न्) तरन्ति ते ॥७.१४॥
daivī hyeṣā guṇamayī mama māyā duratyayā ।
māmeva ye prapadyante māyāmetāṃ(n) taranti te
"Bhagavān says that His divine māyā, made of the three guṇas, is extremely difficult to cross, but those who humbly take refuge in Him cross over it."

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Verse 7.13 diagnosed the cause of samsāra: the human mind becomes absorbed in changing aparā prakṛti and seeks permanent security, permanence, and completeness from what is inherently impermanent. Verse 7.14 gives the remedy.
Kṛṣṇa says, daivī hyeṣā guṇamayī mama māyā — “This divine māyā of Mine consists of the three guṇas.” Here māyā is Bhagavān’s aparā prakṛti, the changing material principle constituted of sattva, rajas, and tamas. It includes the physical universe, body, mind, thoughts, emotions, attractions, possessions, relationships, achievements, and experiences.
It is mama māyā — “My māyā.” Māyā is not an independent power standing outside Bhagavān or opposing Him. It belongs to Bhagavān and depends upon Him. Hence it is also daivī — divine.
This māyā is duratyayā — extremely difficult to cross. Its difficulty lies not only in obvious temptation but in the fact that the person caught in delusion may not recognize the delusion. Tamas can bind through inertia and confusion; rajas through activity, ambition, desire, and agitation; even sattva can become an object of attachment if refinement, knowledge, pleasantness, or spiritual achievement becomes a basis for subtle ego.
A useful image is a person slipping down a steep slope covered with dry leaves. Every handful of leaves grasped for support slips along with the person. What is needed is something firmly rooted that does not slide with everything else. Samsāra has the same problem: if every object we depend upon is itself changing, none can become the final support. The changing cannot provide changeless security.
Therefore Kṛṣṇa says, mām eva ye prapadyante — “those who take refuge in Me alone.”
Prapatti, śaraṇāgati, and bhakti here point to humble dependence upon Bhagavān. This does not cancel puruṣa-prayatna [individual effort]. The correction is to the arrogance that imagines effort alone is sufficient. Spiritual growth requires sincere effort supported by Īśvara-anugraha [Bhagavān’s grace].
The movement of that grace is not toward passivity. Taking refuge in Īśvara leads the seeker toward the appropriate guru; the guru directs the seeker to śāstra; śāstra reveals the truth through knowledge. Thus surrender ultimately matures into self-knowledge rather than permanent dependence upon an external personality.
This also resolves the apparent tension between bhakti and jñānam. Bhakti is not a single sādhanā competing with jñāna-yoga. Bhakti is a range of sādhanās that must culminate in jñānam. When devotion culminates in knowledge, it becomes jñāna-rūpa-bhakti. Therefore the remedy for samsāra is bhakti that matures through the required disciplines and culminates in knowledge.
Kṛṣṇa concludes, māyām etāṃ taranti te — “they cross this māyā.” Crossing māyā does not mean the physical world disappears. Body, mind, responsibilities, and transactions continue. What ends is the helpless dependence upon changing aparā prakṛti for permanent security. Thus 7.14 gives the remedy to 7.13: make the required effort, give up arrogant self-sufficiency, take refuge in Bhagavān, receive the required guidance and grace, and let bhakti mature into jñānam.
