Sanchitta Karma--
These are the accumulated works and actions that you have completed in the past. These cannot be changed but can only wait to come into fruition. This is the vast accumulation of karma that encompasses our countless past lifetimes. This comprises every action that you have ever made in your past and present lives.
Prarabdha Karma--
Prarabdha is that portion of the past karma that is responsible for the present. These are the ripe and fructuous actions and reactions. The things that you did in the past make you what you are today. It cannot be avoided or changed, but only exhausted by being experienced.
Agami Karma--
Agami Karma is the Karma we are creating for ourselves right here in the current moment. It is the action that we create and the choices we make right now, as we live this present lifetime.
