  We propose a Heat-Kernel-based method to compute one-loop effective action up
to any mass-dimension with arbitrary numbers of non-degenerate scalars and
fermions. We demonstrate our prescription by computing the dimension six
effective action for arbitrary numbers of non-degenerate scalars, which are
consistent with degenerate results presented in prior studies. We have further
shown that the effective action for any partially degenerate mass-spectrum can
be easily derived from that for the non-degenerate case by employing suitable
limits for masses. Our prescription allows us to express the effective action
in terms of local operators for the scenarios that involve light-heavy mixing
as well, simply by employing an infrared regulator in the non-degenerate
action. Along with the formalism, we have also provided the algorithm and
outlined the Mathematica program to compute the result up to any mass
dimension.
