SinghMunda Jee,
just as there is no tree without seed, in a similar way, there is no life, no birth or death, no pain or pleasure without past karam.....
If there were no karmas, life could not exist, or better said creation would be a total chaos. With karmas, everything is precise to the microscopic levels.
The Bani says: aapay beejeh aapay khaae, this means whatever we get or go though life is the product of very own karmas, not because someone wants to benefit or harm us deliberately.
If we give pain or sorrow to His creation, we are bound to receive pain. If we are good to His creation, we shall receive good in return.
So karmas are there at each step in our lives, and to receive their effects is unavoidable, otherwise there would be no sense in the karma theory. In that sense we have no free will.
Though we do have a free will in the actions we commit and in our reactions in the different situations we may encounter ourselves, means to be mature and moral in them thus to avoid their negative effects in the future, or, be egositic and wicked, thus get tightly tied with more knots in the web of karmas.
But, inspite of so much karmas upon our heads, He, Waheguru Akal Purukh being a loving and merciful creator, has given us the chance of this human birth, to arise above all this paraphernalia of karmas, maya, sanskaras, punj chor, or even Kaal.
Arriving at this point, we may ask how can that be possible?
Well, as said above He being a merciful Father, wants us to learn the lessons of love, of discernment, of morality and benevolence towards all, now it is up to us to understand and follow what He wants us to learn in His creations.
For if we do not amke ourselves strong in the above mentioned virtues, we can not even walk the path of Truth, in order to free ourselves from all the chains of karmas, mind and maya for once and forever.
So going back to the valid method of freeing ourselves, in Gurbani we can see that He has made that path very simple, transparent and universal for all beings.
The method in question is the simran of His Nam. That is why in Sukhmani Sahib we are told :
Prabh ka simran mun kee mael jaae.
Prabh ka simran garb na baseh.
One can see how simple is this path, yet people fail to grasp the depth or the heights of this spiritual reality. For they think, Nam simran is for the higher avastha people, so we can do any other external practices which we see others doing around us.
External practices make us remain outside there where untruth prevails.
On the other side Nam simran, is not only an all rounder cleanser/purifier, but also takes us within us, there where He is present at all times for all in equal manner.
So to conclude and summarize, karmas and everything else are there, but at the same time His apaar grace is also there to our aid at all times.
SSA.