Swami's fort unexpectedly contained bad karma (10)

I believe the answer is:

misfortune

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'bad karma' is the definition.
The definition and answer can be both related to natural events as well as being singular nouns.
Maybe they are linked in a way I don't understand?

'swami's fort unexpectedly contained' is the wordplay.
'contained' indicates the answer is hidden within the clue.
'MISFORTUNE' is hidden within 'swamis fort unexpectedly'.

Can you help me to learn more?

(Other definitions for misfortune that I've seen before include "Adversity - bad luck" , "DISASTER]" .)

I've seen this clue in the Sydney Morning Herald.

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