This article reframes “luck” and “fate” through a dharmic lens as shorthand for complex causality rather than forces that control life. It integrates Hindu, Buddhist, Jain, and Sikh perspectives to show how karma, dependent origination, niyama, and hukam together replace fatalism with responsibility and wisdom. Hindu teachings on sañcita–prārabdha–kriyāmāṇa karma and puruṣārtha emphasize effort within…