Sat-darshana Bhashya (translation)

Verse 20.

अज्ञस्य विज्ञस्य च विश्वमस्ति
पूर्वस्य दृश्यं जगदेव सत्यम् ।
परस्य दृश्याश्रयभूतमेकं
सत्यं प्रपूर्ण प्रविभात्यरूपम् ॥

To the ignorant and the wise alike the world exists. To the former, the world observed alone is real. To the wise, the formless source of the visible Is the one world, Real and Perfect.

The world is real to the ignorant and the wise, to the unregenerate and the regenerate; and both hold that the world exists. The ignorant man who is not aware of the source of the world he sees, takes the world as it appears to his superficial sense for ultimate truth; to him what appeals to his sense-mind sums up Reality, the whole truth. But the wise, he in whom is developed the capacity to apprehend the basic and therefore, the whole truth of the world that is visible, perceives the formless source of the world of form as the One and limitless Truth, the Real world that is luminous and perfect.

The wise man sees the world of forms, but does not stop with it like the ignorant; he sees in it the formless Brahman that permeates all existence. Hence his knowledge takes the essential truth of the world as the Real world, which includes but is not confined to the world of forms. Hence it is knowledge, true and perfect. The knowledge of the ignorant is limited to the visible, to the surface, and does not reach down to its essential truth. Therefore it is imperfect, partial, defective. As in the previous verse here also it must be noted that this partial knowledge is no falsehood, but to mistake it for perfect and integral knowledge is illusion and falsehood, mithya.

It would be futile arguing in a circle to discuss Fate vidhi and human effort prayatna, but they that know the origin of both are affected neither by karma nor by effort.