It is karma operating through the law of cause and effect, action and reaction, that governs all life and binds the atman (the Self) to the wheel of saṃsāra (birth and death). The process of action and reaction on all levels — physical, mental and spiritual - is karma. God does not give us karma. We create our own. Karma is not fate; humans are believed to act with free will, creating their own destinies. According to the Vedas, if an individual sows goodness, he or she will reap goodness; if one sows evil, he or she will reap evil.
Pratah kalen dinacharya, Snan karne samay ucharaneya mantr, Samkalena-ratrikalena dinacharya.