That word is composed of
गति gati: movement, reason, mode, path
कर्म karma: action, work
This has nothing to do with "fate" or "destiny." Nevertheless, one would have to look at how and where the word is used to understand its context.
In Hindu philosophy, fate and destiny both have a conceptual basis, but they are understood as the end result of the course of one's actions. All of us have a fate, a destiny, that we are crafting in each moment. What is happening to us now is the outcome of our previous actions. So right now you are experiencing the destiny you put in motion previously.
That western notion of having a "predetermined fate" determined by some outside entity (whoever that might be) is just a foolish theory that has no basis in anything. Not even the Western scriptures support such a thing.
“Nothing is easier than self-deceit. For what each man wishes, that he also believes.” —Demosthenes
"Do not worry; cultivate the habit of being happy." —Samael Aun Weor