Jayapataka Swami: If we give charity in the name of Kṛṣṇa, saying, I am giving this to you on behalf of Kṛṣṇa, something like that. I am giving this as part of my responsibility, because I am Kṛṣṇa’s devotee. Somehow you give Kṛṣṇa the credit, that may reduce your karmic responsibility.But otherwise, if possible, we try to give out kṛṣṇaprasāda, or give out things which are offered to Kṛṣṇa. Then naturally there is no karmic reaction. but as gṛhasthas, you have to give a certain amount of charity. So, we do this as part of our service to Kṛṣṇa.