How does devotion to Sai Baba affect a person's karma and their path to liberation?

Chapter 10 explains that devotion to Sai Baba has a transformative effect on a devotee's karmic balance and spiritual journey. The text states that by the Guru's mere sight, the knots of the heart are broken and, most significantly, a devotee's accumulated (Sanchit) and current (Kriyaman) karmas are destroyed. This cleansing of past and present actions is a crucial step toward spiritual freedom. The chapter further illustrates that for those with devotion and faith, the Sadguru makes the attainment of liberation (Moksha), which is characterized by bliss, an effortless achievement. He acts as a boatman, ensuring the devotee safely crosses the 'ocean of existence,' as described in chunk 1.