Meher Baba explained
Fate is based on karma; the law of cause and effect which govern the events of our present life as well as hose of our future lives. Through evolution the soul receives, by means of the spirit, the impressions or sanskaras. The process which creates the experience and later the elimination of these impressions can call fate, fortune, luck or chance.
“Destiny, or the goal that soul have to attain, is the Realisation of God, but actually fate is different for every individual. If you can imagine, we can compare destiny to a load of hundred tons of happiness and unhappiness, vice or virtue, which every soul has to carry thought its existence. One soul carries seven hundred tons of iron, another soul the same weight in steel, others lead or gold. The weight is always the same, only kind of matter changes. The impression of every individual varies and the acquired sanskaras from the structure and conditions of the future life of every individual. Hence destiny is one, but fate is varied and different for each.”
“Destiny is the divine law which guides us through our numerous existences. Every soul must experience happiness and unhappiness, virtue and vice, from the very commencement of its evolution up to the goal which is the realisation of God. (Mysteries of Death-page-133)
The pleasure and the pain experienced in the life on earth, the success or failure, which attend it, the attainments and obstacles, with which it is strewed, the friends and foes, which make their appearance in it, are all deter-mined by the Karma of past lives. Karmic determination is popularly designated as fate.
Fate however is not some foreign and oppressive principle. Fate is man's own creation pursuing him from past lives: and just as it has been shaped by past Karma, it can also be modified, remoulded and even undone, through Karma in the present life.
-Discourses by Meher Baba