Three steps. (Glossary for the Vahinis)

The real meaning of this kind of geometrical configuration of the three lokas is that the pancha Indriya, pancha bhutas and pancha koshas (five senses, elements and sheaths) aspects of man s deha (body), is Bhuloka; the aspect of prana shakti or manas tattvam is Bhuvarloka; and the microscopic state of anandam (bliss) represents Swarloka. So it can be said that the three worlds, Bhuloka, Bhuvarloka and Swarloka, are nothing but the deha tattva, manas tattva and ananda tattva (essential nature of body, mind and bliss) respectively and the totality of these three represents the Trivikrama tattva.

Again, these three aspects of Trivikrama tattva can be understood in terms of the three states of an individual, viz., the one you think you are, the one others think you are and the one you really are. Hence only by proper saadhana can one transcend from Bhuloka through Bhuvarloka to Swarloka. The attainment of Swarloka is known as moksha (liberation), and it represents the stage of complete mergence with the Lord. Since it is a state where the aspect of moha (attachment) is made to disintegrate, it is known as moksha (moha+kshyam, mokshyam). (SSS Vol.14)