Hinduism acknowledges four types of Karma: Sanchita Karma, Prarabdha Karma, Kriyamana Karma and Agami Karma.
Sanchita Karma is the total of all the unresolved karma we accumulated in past lives. It is Karma we have not yet burned.
Prarabdha Karma is the portion of our Karma that is destined to bear fruit in our present life. It has been set into motion and cannot be stopped or erased.
Kriyamana Karma is karma in progress. It is unleashed by the actions and decisions we make in our present lifetime and it bears fruit in the future.
Agami Karma comes in part from the past but continues to generate fruit in the present. Our nature and circumstances are carried over from earlier lives but decisions about things like education, marriage or children affect both our present and future lives.
See Irina Gajjar’s On Hinduism, Chapter 6 to get a better idea on how Hindu thought perceives the workings of Karma.
