Prarabdha Karma. That part of ones Sanchita Karma which must be worked out in the present life. Because the law of Karma implies determinism in human activities, Prarabdha is often translated as destiny.
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No karma,, no prarabdha,,no lok parolok exists..what we do we face it here it self,, nothing goes with any one..empty handed one comes and empty handed one goes. In various ways, the Lord has fashioned the beads, and strung them on a slender thread. He created us all and after creating us, He has ornamented us, dressed us as per his wishes. Honouring His wish and following His dictates is what we are supposed to do...we are only puppets and thread always remains in His hands, whenever he wishes he breaks the thread.