Sage Sankara says in Aparoksh Anubhuti on Prarabdha Karma: ~
88. When the whole universe, movable and immovable, is known to be Atman, and thus the existence of everything else is negated, where is then any room to say that the body is Atman?
89. O enlightened one, pass your time always contemplating on Atman while you are experiencing all the results of Prarabdha; for it ill becomes you to feel distressed.
90. The theory one hears of from the scripture, that Prarabdha does not lose its hold upon one even after the origination of the knowledge of Atman, is now being refuted.
91. After the origination of the knowledge of Reality, Prarabdha verily ceases to exist, since the body and the like become non-existent; just as a dream does not exist on waking.
92. That Karma which is done in a previous life is known as Prarabdha (which produces the present life). But such Karma cannot take the place of Prarabdha (for a man of knowledge), as he has no other birth (being free from ego).
93. Just as the body in a dream is superimposed (and therefore illusory), so is this body. How could there be any birth of the superimposed (body), and in the absence of birth (of the body), where is the room for that (i.e., Prarabdha) at all?
94. The Vedanta texts declare ignorance to be verily the material (cause) of the phenomenal world just as the earth is of a jar. That (ignorance) being destroyed, where can the universe subsist?
95. Just as a person, out of confusion, perceives only the snake, leaving aside the rope, so does an ignorant person see only the phenomenal world without knowing the reality?
96. The real nature of the rope being known, the appearance of the snake no longer persists; so the substratum being known, the phenomenal world disappears completely.
97. The body also being within the phenomenal world (and therefore unreal), how could Prarabdha exist? It is, therefore, for the understanding of the ignorant alone that the Shruti speaks of Prarabdha.
98. “And all the actions of a man perish when he realizes that (Atman) which is both the higher and the lower”. Here, the clear use of the plural by Shruti is to negate Prarabdha as well.
99. If the ignorant still arbitrarily maintain this, they will not only involve themselves in two absurdities but will also run the risk of forgoing the Vedantic conclusion. So one should accept those Shrutis alone from which proceeds true knowledge.
The above proves that the karma theory is a reality only based on the false Self (ego or 'you'), where one thinks the body and the universe are a reality. When one becomes aware of the fact that the ‘Self ‘is the formless Soul, then the karma theory becomes part and parcel of illusion.
If one accepts the karma theory as a reality, one will never be able to come out of ignorance. And ignorance makes him believe the cycle of birth, life, and death, or pain and pleasure, as a reality. Thursday, the freedom that one is seeking will remain a distant dream.
For the one who accepts the experience of birth, life, death, and the world as a reality, Self-knowledge is impossible.
Thus, the seeker of truth must know that the body which is born, lives, and dies is not the Self. Since he is taking the body to be the Self, he is experiencing the duality as reality within the waking experience. : ~ Santthosh Kumaar