Karma & Dharma

Karma
Karma is the concept of 'Action' or 'Deed' which results in a cycle of cause and effect.
There is a big reserve of Karma that each soul has, like a bank account, that needs to be cleared out in order for the soul to be released from the endless cycle of birth and rebirth.

No More Karma = No More Suffering => Liberation

Types of Karma
1. Sanchita Karma is like the Savings Account at your Karma bank. All possible Karmas for your soul are stored here. It is the main pool from all past lives from the very beginning of your soul.
2. Prarabdha Karma is the selection of Karma you have to live through in this life- accrued from other lives - chosen by you to experience this life time.
3. Kriyanmana Karma is your additional actions and Karma accrued since your birth. This refers to quickly burning Karma items whose cause and effect are realized in this one birth. For example, you eat too much chocolate and as a result you a sugar rush, acne and more weight. The effect is felt in this birth only.
4. Aagami Karma is similar to Kriyanmana Karma in that you create it in this life. However the effects of your action does not have time to manifest in this lifetime and it goes back into the 1st "Sanchita" pool or comes around in the "Prarabhda" into your current life-cycling until you repay.

Dharma
Dharma is 'Right Action' like ethical conduct, noble actions, civil and criminal law, and performance of Vedic rites and rituals, chanting of mantras, etc.

The Archetype Chitra Gupta
Chitra Gupta is the Celestial Book-keeper whose primary duty is to keep a record, a Karma Account, of all souls doings and misdoings from time immemorial.
He is Also Karmic Judge. Chitra Gupta has a temple in Tamil Nadu where He is depicted sitting holding a pen in His right hand. In the left hand He holds a palm leaf or the Karma Accounts. Chitra Poornima is considered Chitra Gupta's birthday.
On this day you can appeal to Him to rewrite your personal current account and lose the misdoings or 'bad' Karma, mark up the 'good' Karma and to bless you to be able to maintain that good Karma. That is an important point to this. Good Karma attracts more good Karma.

Good to Know
Not only are the bad deeds recorded by Chitra Gupta, but any attempt at remedying those sins is taken into consideration. It is known that any sin can be nullified by doing good to the victim. In the case that there is a victim, and even if you do not know the victim random but sincere donations to the poor and the needy will be like compound interest and the blessings of many and your sins will be balanced out. Prepare for the final judgement day.