TYPES OF KARMAS
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Sañcita karma is our complete bank of unfulfilled karmas like our safety deposit or the files archived in our office vault. Prārabdha karma are those karmas that we have brought and come in this life, like files in filing cabinets which we access and work on regularly. Āgāmya karma are like the new files on our table that we keep creating — new karma that we create in every life.
We must exhaust all three types of karmas to experience enlightenment. Sañcita karma is all that we have accumulated over many births. Prārabdha karma is karma that we brought with us to work out in this life. Āgāmya karma is what we acquire newly in this birth.