2 Karmas - Ramanan

Talk 37. Bhagavan Ramana Maharshi 
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“What is Karma?” asked someone.
M.: That which has already begun to bear fruit is classified asprarabdha Karma (past action). 
That which is in store and will later bear fruit is classified as   sanchita Karma (accumulated action).

This is multifarious like the grain obtained by villagers as barter for cress (greens). Such bartered grain consists of rice, ragi, barley,
etc., some floating on, others sinking in water. 

Some of it may be good, bad or indifferent. 

When the most potent of the multifarious
accumulated karma begins to bear fruit in the next birth it is called
the prarabdha of that birth.