Let me explain the three types of karma from a different angle.
You see, if you take all the possibilities that you are aware of and that are available to you in the cosmos, we call that as agamya. There are all kinds of possibilities. You can become a fish, you can become a snake, you can become a man, or you can become a god. All these are possibilities. We call that as agamya.
There are also other possibilities that are available to you. These are not only within the field of your awareness like the things that you know such as fish, monkey, dog, donkey and man, but also many other possibilities that are unknown to you. Those we call sanchita, the whole range of known and unknown possibilities.
The whole is sanchita and the possibilities that lie in front of you are agamya. You then decide to play only with certain boundaries of these possibilities when you come into this body. That is what we call prarabdha. See when you came down, you decided to play inside certain boundaries. That boundary is what we can call prarabdha.
After coming here you see many possibilities before you that you try to accumulate, which you try to acquire. Those possibilities can be called as agamya.
This prarabdha that you brought with you has the intelligence to run your life.
One big difficulty is that you see too many agamya, too many possibilities in front of you. Because of that, your trust over your prarabdha or your own preselected possibilities reduces. You think your prarabdha may not be that powerful to run your life because of the agamya, the possibilities, which are in front of your eyes.
Trusting prarabdha is powerful. Fulfilling your prarabdha will take away one very negative aspect of your life – the continuous irritation.
The constant irritation that you carry from morning till night is the gift of agamya.
From morning till night, from the moment you come out of your bed till the moment you fall asleep, you feel a constant irritation. We just need somebody to make some mistake and we jump on them! We are just waiting. Anybody who comes in our presence will have our ‘blessing’! That constant irritation is because we are centered on agamya.
If our energy, our inner space is centered on prarabdha, we will not be carrying the constant irritation that we carry now. It is not that we will not be working or relating with the possibilities. It is not that we will stop working, no! We will continue to work but our base will be our prarabdha.
You see, the mood of constantly rejecting everything, constantly being irritated, happens because of our agamya, because of the possibilities we see around us. We are running behind the choices, the possibilities, the agamya. But we forget that the prarabdha is very intelligent, very powerful.
In the whole world, there are only two kinds of people, people whose inner space is centered on agamya and people whose inner space is centered on prarabdha, that’s all. People whose inner space is centered on prarabdha live their life in restful awareness.
The mind that is based on agamya will be inspired only by fear or greed. You can see this when you wake up. You will come out of your dream state only if you have a desire or if you are caught by some fear. For example, you may get inspired to wake up because you wish to send your child to school so that she gets a good education and has a bright future. Or you may get up out of fear of getting late for office because you are afraid of losing your job.
Moving the physical body out of fear or greed is what I call living your life based on agamya.
All your actions are invariably driven by greed or fear and therefore end up being superficial actions, adding to your karma.
In this way, you end up collecting more karmas. By the time you go back, what will happen? Your ‘karma bank balance’ would have increased by the number of your agamya karma!
Say you came down with 10 karmas, you did not exhaust these 10 karmas with which you came, but you collected 200 more!
What will happen the next time you take the body? Your sanchita is now 1000 added to the 200 new agamya karmas you collected now. You now have 200 karmas more than in your last birth. Again you take 10 out of that collection and come down with another body. But you only collect more and go back. This becomes a vicious circle. This is what we call janma-marana chakra, life-and-death cycle, continuously taking a body and dying, again and again.
Instead, while you are living, if somebody gives you the knowledge that you are not just the body or the mind and it is karma that is influencing you, then the influence of that karma over you will begin to come down. You will then start exhausting the prarabdha karma that you came down with.
Let us say you brought 10 prarabdha karmas with you when you took this body and came down. Suppose in these 10 prarabdha karmas, you have three samskaras or three engrams that have the power to put you into depression. If you continue to obey those engrams and fall into depression, they will not remain just three, but will probably become ten. The additional seven karmas are the agamya karmas. If instead of exhausting your prarabdha you decide to remain with them, you collect agamya.
If on the other hand, whenever these three engrams put you in depression you have learned some technique to come out of the depression, then these three will start losing their power over you. So, over time, of the ten karmas, three will leave you. Whenever you reduce the influence of prarabdha on yourself, not only will the prarabdha get burnt, but the chances of accumulating new karma, the agamya karma, will also come down.
You stop collecting agamya when the prarabdha loses its influence over you. When the influence of these ten prarabdha engrams over you stops, the agamya collection will also stop because it is these ten engrams that are responsible for the collection of further engrams or karma.
Now let us come to the sanchita karma. Understand, you can’t do anything directly with your sanchita karma bank. For sanchita to burn out, only Guru Krupa, grace of the master, will work.
Only the master’s grace can do anything to burn out your sanchita.
source: Living Enlightenment