Iham & Prama (This world & after death) & God
Basic interest on God is called as Shraddha. This basic interest cannot be created by showing the benefits from God after death (Param) like protection from hell, because the problems in this world (Iham) are very much relevant and urgent. The human being tries to postpone the param to old age. But, even in the old age the Iham continues and does not give any relief to concentrate on Param. Both Iham and Param form Pravrutti, which is nothing but selfishness only. Whether you worship God for Iham or Param, you are not having real love on God. Your love on God is only for yourself and for your family members only. Nivrutti means real love on God without any trace of selfishness. Therefore, Shankara told that your care for Iham and Param should be totally left over if you want to enter Nivrutti (Practical service of God in Human form here on this earth).
To create the basic interest, God is linked to Iham in the first step. In fact, God is the controller of this world as well as the upper worlds like hell and heaven. Therefore, Iham is naturally linked to God only. Hence, in the first step, interest on God is created by linking Iham to God. If you worship God, your problems in this world get solved. This is a practical truth. You need not confuse in this point by arguing that God will not interfere in your problems in this world, since the doctrine of deeds (karma) should not be violated. The doctrine of karma is not disturbed at all, even if God helps you and solves your burning worldly problem, because, God can postpone the punishment of your sin by adding penalty and thus pacify your grief. He can also favor you by giving some benefit by using the fruit of your past deed. All this is some re- arrangement only without disturbing the justice of karma. Such re-arrangement is done with a view to create the basic interest on God. After some time, you become free from the burning worldly problems and now you will start worshipping God for protection in the upper worlds. In this process, you will develop lot of enthusiasm to know more and more about God. The detailed knowledge of God is known as Jnana Yoga. This knowledge increases your interest on God. When the basic interest is multiplied by several folds, it is called as devotion. As long as your aim is selfish, the devotion is impure. In this process, you will come to know about Nivrutti and you will understand the importance of Nivrutti.