Ajnani thinks dehaiva Atma (only the body is myself), whereas the Jnani knows all is of the Self (Atmamayam sarvam),

Ramana Maharishi:  Karma is posited as past karma, etc., prarabdha, agami and sanchita. There must be kartritva (doership) and karta (doer) for it. Karma (action) cannot be for the body because it is insentient. It is only so long as dehatma buddhi (‘I-am-the-body idea’) lasts. After transcending dehatma buddhi one becomes a Jnani. In the absence of that idea (buddhi) there cannot be either kartritva or karta. So a Jnani has no karma. That is his experience. Otherwise he is not a Jnani. However an ajnani identifies the Jnani with his body, which the Jnani does not do. So the ajnani finds the Jnani acting, because his body is active, and therefore he asks if the Jnani is not affected by prarabdha.

Devotee:  Is there no dehatma buddhi (I-am-the-body idea) for the Jnani? If, for instance, Sri Bhagavan be bitten by an insect, is there no sensation?

Ramana Maharishi:  There is the sensation and there is also the dehatma buddhi. The latter is common to both Jnani and ajnani with this difference, that the ajnani thinks dehaiva Atma (only the body is myself), whereas the Jnani knows all is of the Self (Atmamayam sarvam), or (sarvam khalvidam Brahma) all this is Brahma. If there be pain let it be. It is also part of the Self. The Self is poorna (perfect).