Karma The word means Action. The Law of Cause and Effect. The sum total of actions and thoughts from a person that cause a reaction or return of like energy to the source that generated it. Reincarnation or re-birth continues until all karma is balanced or neutralized.
Sanchita Karma: The total of all karma from all lifetimes.
Prarabdha Karma: Karma for one life, including Planetary karma represented by the natal birth chart in a particular incarnation.
Kriyamana Karma: Results of our free will actions and decisions in this life, which may be dealt with in future lives.
Agami Karma: Immediate results from present actions.
Sadguru Rama Mata, our lineage-holder, calls papas (negative karmas) mistakes. The suffering that we experience as our karma plays out in any given life is related to the scenario that we came in with to teach ourselves to act better for our own self and others. In other words, the working out of our karma life to life is school not punishment.