When both, Gnanavaran karma and Darshanavaran karma combine, then Mohaniya karma (karma that induces illusory attachment) arises.
Then the entire business of worldly life interactions (sansaar) is established. Thereafter, antarayas (obstructions) happen.
3) Mohaniya or Deluding Karma

The operation of this Karma deludes the soul by causing the wrong perception. On account of this Karma, the soul fails to perceive the
realities and tends to identify itself with the ephemeral body, its worldly connections, acquisitions etc. Thereby the soul happens to
perceive the comforts or discomforts of the body and its environments as its own happiness or misery. One feels pleased when such situations
are comfortable and strives to maintain them as such. If the situations are not comfortable, he strives hard to change them to his liking and
indulges in different types of defilements, when something does not happen to his liking. This arises from our basic ignorance on account of
which our Self is smeared with defilements and we indulge in craving and aversion.
This Karma is divided into two parts viz. Darshan Mohaniya and Charitra Mohaniya. The former arises on account of ignorance and the latter from
indulgence in defilements. There are 28 subdivisions of this Karma.
If a rich merchant named Nagindas were to drink too much alcohol one day, then what would he speak? 'I am the president of India!' Would we not
understand that he is speaking under the influence of alcohol?! Similarly, to say that “I am ‘Chandubhai’, I am his son, I am her husband;”
all such things are being said under the influence of moha (illusory attachment). The root moha is the belief that, ‘I am ‘Chandubhai’,’ and after that,
the succession of moha has come into being.
Out of the eight types of karma, the densest karma is Mohaniya karma. It is referred to as the king of karma! Without the grace (krupa) of the Gnani,
it cannot go away.