Karma, Fate, Destiny

In this commentary on Chapter 31 of Path to Siva, Bodhinatha clarifies the meanings behind three relate and common concept: karma, fate, destiny.
"There are three kinds of karma: the karma of all deeds done in our past lives; the karmas we bring into this birth to experience; and the karmas we are making by our actions now."
Karma is an automatic system of divine justice. Karma is self-created destiny; a consequence or fruit of action, karmaphala. By accepting not reacting, performing karma yoga, karma can be softened, mitigated. Seeking the grace of God and guru in the right spirit, the mind focused on the Deity and open to blessings, receiving the intense grace of the Deity in a powerful pilgrimage can actually eliminate karma.
Path to Siva, Lesson 31.
Tirukural, Section IV, Destiny, Commentary by Gurudeva.