Sanchita Karma is the sum of all the total fruits (Good & Bad) obtained during the past births, it is important to know that the past birth deeds are responsible for the present conditions. We may find a person who does not care for others living a royal life, this present situation he is enjoying is for the good deeds done in his past life. If he is troubling his fellow beings in this life he is sure to live a miserable life in his future birth. This is how Karma Works.
Let us suppose a person who is living a miserable life due to his past life deeds. The person who is witness to this should not go deep into the persons past deeds, but to get the important message that he (the witness) has to live a virtual life in this present scenario to avoid becoming like the suffering person in the next life.
Prarabdha Karmas are Karma Phalas (Rewards) that are allotted to us for the present life which may be good or bad (enjoyable or sufferings). And most important is that even the Creator has no powers to change it once that has been allotted.
Agami or Kriyatmana Karmas are deeds that are to be performed during the course of this life time by an individual, be it good deeds or bad deeds or a mix of both. Remember that the fruit (rewards) of this is added to the Sanchita Karma.
Hence it is important to note that every deed (good or bad) of ours will increase the volume of Sanchita Karma
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