Until the player reaches the level of the heart chakra he lacks understanding of sudbarma, apt religion. Without sudharma, freedom of action is impossible. As the player attains freedom of action he becomes responsible for the fruits of his actions. Narka-loka is the place where he bears those consequences.
In Hindu cosmology narka is a plane situated midway between earth and heaven. There are seven layers of narka-loka that the player must pass through before attaining heaven. His karmas are the vehicle, leading him up to the level where they vibrate. After passing through these narkas, if the player has performed good karmas he is ready to pass into heaven.
The lord of narka is Yama, known as Dharmaraj—the lord of death. Violence leads the player to purgatory and to the most painful vibrational levels. Each action bears fruit. This is the law of karma, and it cannot be avoided as long as the player maintains a physical existence. When the player lands in narka-loka through bad karmas he is bound to this plane by karmic ties. This is not punishment but rather purification. Dharmaraj, the lord of narka, is not personally interested in the suffering of any player. He is not a sadistic devil. Rather, his job is to set wrong frequencies right so that future evolution of the spirit can take place.
Narka is also the heart chakra itself. Attachment to feelings is narka. The feeling of attachment is narka. Narka is negative vibration. Those who vibrate negatively create a narka in their home, family, neighborhood, town, country, and world, according to their capacity. The player who lands in narka-loka without fourth chakra understanding sees it as failure, not as a record of negative karma. Only in the fourth chakra does the understanding of negative karmas on the experiential level come. The narka-loka is seen not as the result of personal ego failure but as the sign of an imperfection of action and the need to improve. In the fourth chakra comes recognition without valuation.