The accrual of karma can be likened to the accrual of profit and loss in the accounting f our lives.
Sanchita Karma is the sum total of the unresolved karma accumulated in past lives. This is the karma that we bring from our past existences into our present existence. It determines things like the qualities with which we are born and the families into which we are born as well as the time and place of our birth which establish astrological influences in our lives. Sanchita Karma continues to accrue in our current life since, once we have acted, our present actions become part of our past.
Sanchita Karma, or accumulated karma, is karma that we have not yet burned. Until it is exhausted, it continues to generate more karma and to cause ongoing birth and rebirth. Hindu teachers tell us that we can reduce the effect Sanchita Karma through various methods of self-purification.
We can follow one of the three paths to enlightening: performing good action (which means selfless action), seeking good knowledge (which means true knowledge), or worshipping God faithfully (which means sincere, consistent worship). Or we can attain a higher level of consciousness by practicing yoga and meditation or by faithfully performing sacrificial acts.
Read more from On Hinduism by Irina Gajjar at http://irinaspage.com/philosophy/on-hinduism/