Key Points:
- Karma is more than cause and effect—it’s a dynamic cycle of choices and consequences shaping your eternal journey.
- Sanchita Karma: The reservoir of all past actions, influencing your life’s trajectory.
- Prarabdha Karma: The portion of past karma shaping your current life’s circumstances.
- Agami and Kriyamana Karma: Your power to shape the future through present choices—creating both immediate and long-term outcomes.
What Is Karma, Really?
Have you ever felt like life is a mix of ups and downs, and you’re not sure why? Or perhaps you’ve noticed that certain patterns keep repeating, no matter how hard you try to change them? The concept of karma offers a way to understand these experiences—and it’s not what most people think.
Karma isn’t simply “action and reaction,” as many assume. Instead, it’s about the choices you make and the consequences that follow. These consequences can show up right away, later in life, or even across multiple lifetimes. Karma isn’t random; rather, it’s a reflection of how your thoughts, words, and actions shape your reality over time.
The Four Karmas
To make sense of this intricate process, ancient traditions like Hinduism break karma into four main types: Sanchita, Prarabdha, Agami, and Kriyamana. Each type explains how your past, present, and future are interconnected—and how you can take control of your journey.
By understanding these four types of karma, you’ll gain clarity into why life unfolds the way it does—and how you can create a future you truly want. Let’s explore each one and see how they work together to shape your path.
1. Sanchita Karma: The Karmic Bank Account
Imagine a vast, overflowing bank account. This account is eternal, holding a record of all the good and bad karma created by your soul ever since it first came into existence. It encompasses every single action, thought, and intention—both big and small—across countless lifetimes. You can think of it as a cosmic database of your soul’s journey, preserving the imprints of all your past experiences.
This cycle of karma will continue to grow and influence your journey until the end of your soul’s existence—essentially stretching into eternity.
From this reservoir, a portion of karma is selected—or “distributed”—to influence your current life. Consequently , these selections shape the circumstances and challenges you encounter in this lifetime.
To dive deeper into this concept, check out the article on Sanchita Karma.
2. Prarabdha Karma: The Karma You’re Living Right Now
Now, imagine you’re making a withdrawal from that karmic bank account. In essence , Prarabdha Karma is the portion of your Sanchita Karma that has matured and is actively shaping your current life. It’s the karma you’re “paying off” or enjoying in this very lifetime—including the circumstances, challenges, and blessings you’re experiencing today.
By understanding Prarabdha Karma, you can see how your past directly influences your present. If you’re curious to dive deeper , read the article on Prarabdha Karma.
3. Kriyamana Karma: The Karma You’re Creating in This Moment
This is where things get really interesting—and where your power truly lies. As a matter of fact , Kriyamana Karma is the energy you’re putting out into the universe through every action, thought, and word, with its consequences occurring in this very moment.
The immediacy of Kriyamana Karma is what makes it so impactful. Every choice you make has the potential to shape your reality in real time. As a result , it becomes one of the most powerful tools you have for creating positive change.
Want to take control of your life? Discover how in the article on Kriyamana Karma .
4. Agami Karma: The Karma of Your Future
Kriyamana Karma doesn’t just affect your present; it also has a ripple effect into your future. As a result , Agami Karma comes into play as the karma you’re creating now that will bear fruit down the line. It represents the potential consequences of your current actions, shaping what’s yet to come.
In essence , Agami Karma is Kriyamana Karma in its future form—showing how the seeds you plant today grow into tomorrow’s outcomes.
Eager to shape a better tomorrow? Explore the possibilities in the article on Agami Karma.
Why Understanding Karma Matters
Understanding these four types helps you see how your actions connect across your past, present, and future. It’s about self-discovery —learning how your choices shape your destiny. It’s about empowerment —taking responsibility for your life. And ultimately , it’s about living with awareness, purpose, and intention.
Karma isn’t fate or chance. Rather, it’s about the choices you make and the legacy you create. By exploring these concepts further, you gain the tools to live more mindfully.
Ready to take control of your karma? Explore the links throughout this article to learn more.

Your Karmic Journey
- Karma Overview : Gain a clear, big-picture understanding of how these four types of karma intertwine to guide your destiny.
- Sanchita Karma : Dive into the vast reservoir of all your past actions and discover how it shapes your soul’s journey across lifetimes.
- Prarabdha Karma : Explore the karma you’re living through right now and learn how your past influences today’s circumstances.
- Kriyamana Karma : Unlock the power of your present choices and see how they create immediate ripples in your reality.
- Agami Karma : Shape your future by understanding how your current actions plant seeds for what’s to come.
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