1. Praarabdha Karma: (Birth to 46 years of age)
   A. Our acts of Past life – i.e., the portion of Sanchita Karma, which was carry forward from the past life to this life.
   B. It can be Karmic debt OR credit.
   C. Rahu and Ketu are the Karma carrying planet for this.
   D. This remains activated till the age of 46; It is recommended, that we identify the Atam Karak planet in this life and clear the karmic debt/ burn away Praarabdha.

 

2. Kriyamana Karma: (Instant and throughout life)
   A. The acts of our free will choices in this life generates Instant Karma.
   B. The results / consequences of those intense Karma are also instant or fast.
   C. We have to face the result in this lifetime only – there is no carry forward.

 

       3. Sanchita Karma: (from 36 years till death; if not burnt out it is carry forwarded)
         A. They are also acts of our free will choices in this life, but karma generation and its consequences are slow.
         B. Some portion of the Karma and its consequences are completed in this lifetime.
         C. The portion of Sanchit Karma, of which results were pending in this lifetime will be carry forwarded as Aagami Karma and finally we have to face the music in next life as “Praarabdh Karma”.

 

REFER TO D-1 (ASCENDENT) AND D-60 (Shashtyamsa) DIVISIONAL CHART

1. Check the placement of the Lord of the 9th house of the D1 chart.
2. Check the placement of the Lord of the 9th house of the D60 chart.
3. Now if both are in conjunction/trine or any other relationship and aspected / conjunct with malefic planet – A malefic effect in this life
4. Lord of 9th house is placed in bad D-60 Amsa’s this means that bad karma is the cause of your birth in this life.