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In early Buddhism, based upon the Pali Canon and related Agamas, there are three distinct realms:- First the Kama Loka, or the world of sensuality, in which humans, animals, and some devas reside, the second is Rupadhatu Loka, or the world of material existence, in which certain beings mastering specific meditative attainments reside, and the third is Arupadhatu Loka, or the immaterial, formless world, in which formless spirits reside. Arahants, who have attained the highest goal of Nirvana have unbound themselves from individual existence in any form, in any realm, and cannot be found here, there, or in between, i.e., they are found no loka whatsoever.
In the Tibetan and Tantric schools, "Six Lokas" refers to a Bönpo and Nyingmapa spiritual practice or discipline that works with chakras and the six dimensions or classes of beings in the Bhavachakra. In Buddhist cosmology Kama-Loka, Rupa-Loka, Arupa-Loka has interpreted.[clarification needed]
There is also a cosmological view in Buddhism of a trailokya.
The most common arrangement of lokas in Hinduism are into three parts.
The scholar Deborah Soifer describes the development of the concept of lokas as follows:
The concept of a loka or lokas develops in the Vedic literature. Influenced by the special connotations that a word for space might have for a nomadic people, loka in the Veda did not simply mean place or world, but had a positive valuation: it was a place or position of religious or psychological interest with a special value of function of its own.
Hence, inherent in the 'loka' concept in the earliest literature was a double aspect; that is, coexistent with spatiality was a religious or soteriological meaning, which could exist independent of a spatial notion, an 'immaterial' significance. The most common cosmological conception of lokas in the Veda was that of the trailokya or triple world: three worlds consisting of earth, atmosphere or sky, and heaven, making up the universe."
In the Puranas and in the Atharvaveda, there are 14 worlds, seven higher ones (Vyahrtis) and seven lower ones (Pātālas), viz. bhu, bhuvas, svar, mahas, janas, tapas, and satya above and atala, vitala, sutala, rasātala, talātala, mahātala, pātāla and naraka below.
- Satya-loka (Brahma-loka)
- Svar-loka (Svarga-loka)
In Jain texts, the universe is referred to as loka. Jain cosmology postulates an eternal and ever-existing loka which works on universal natural laws, there being no creator and destroyer deity. According to the Jain cosmology, the universe is divided into three parts:
- Urdhva Loka - the realms of the gods or heavens
- Madhya Loka – the realms of the humans, animals and plants
- Adho Loka – the realms of the hellish beings or the infernal regions
The concept of lokas was adopted by Theosophy, and can be found in the writings of Blavatsky and G. de Purucker. One of Blavatsky's three worlds are kamaloka (world of desires), which is like a temporary after-life state or an astral plane, according to the teachings of Blavatsky, Leadbeater, and Steiner.
- Desired Realms (Rupa Loka, Arupa Loka ,Kama Loka)
- "Loka" in the Encyclopedia Britannica
- Soiver, Deborah A., The Myths of Narasimha and Vamana: Two Avatars in Cosmological Perspective State University of New York Press (Nov 1991), ISBN 978-0-7914-0799-8 p. 51 
- Jain cosmology
- Shah, Natubhai (1998). p. 25