KARMA कर्म கர்மா
is that which causes the entire cycle of cause
and effect (i.e., the cycle called saṃsāra) that
determines the destiny in next incarnation
1.
Sanchita Karmas are accumulated works
Sanchita-Karma (operative karma)
2.
Prarabdha Karmas are ripe or fructuous actions
Prarabdha-Karma (accumulative karma)
3.
Kriyamana or Agami Karmas are current works
Agami-Karma (karma created in future)

kárma

karma, kárma or kárman (Sanskrit: कर्म, "act, action, performance") — is a noun-form coming from the root kri meaning "to do," "to make." Literally karma means "doing," "making," action. Karma is pronounced as "karmuh," the "uh" being subtle. Karma can best be translated into English by the word consequence. It corresponds to the "action" or "deed" which causes the entire cycle of cause and effect (i.e., the cycle called saṃsāra). It applies to all levels of action, including thought, word, feeling and deed, and the effects of it.

Karma refers to (1) any act or deed; (2) the principle of cause and effect; (3) a consequence or karmaphala ("fruit of action") or uttaraphala ("after effect"), which sooner or later returns upon the doer. What we sow, we shall reap in this or future lives. Selfish, hateful acts (papakarma or kukarma) will bring suffering. Benevolent actions (punyakarma or sukarma) will bring loving reactions. Karma is a neutral, self-perpetuating law of the inner cosmos, much as gravity is an impersonal law of the outer cosmos. In fact, it has been said that gravity is a small, external expression of the greater law of karma. The impelling, unseen power of one's past actions is called adrishta.

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