Premanand Maharaj Ji
How does karma work in my life?
Three kinds of karma
Karma works in three parts: sanchit (stored from many births), prarabdh (the part taken out of it to build this body and its fortune) and kriyamaan (the new karma you do now). Prarabdh only gives happiness, sorrow, success and failure, and it does not make you act.
The good and bad karmas taken out of the stored karmas to build the body are called prarabdh. The karmas gathered over many births are called sanchit karma.