Premanand Maharaj Ji
Kya insaan karma se apna bhagya badal sakta hai?
Fortune and present karma
Past karma is stored as sanchit karma, and some of it forms this body. What you do now is kriyamaan, separate from the body's fortune.
Our warehouse of karma is stored, called sanchit karma in scriptural language. Some karma is drawn from it, and the body, a mix of good and bad, is formed.