Pending Karma itself is a very vast topic as there are several aspects to it. The moment you start looking at charts on regular basis you will realize that the Nature of a person, Major events in life, people coming into and going out of someone’s life — All of such events Major or Minor is a part of the Karmas the native and ancestors had done in their own life and past lives.
The agenda of this article would be to show the Major Areas of life in which one will always have to work either by giving debt or receiving it – although the latter is observed in very less charts.
There are several ways to see are Major Karam of life – two of which is to see the Lagna Lord and then the 6th Lord. The Lagna Lord will show the Karmas one will put their full efforts into while 6th lord will show debts one has to pay. The reverse will be true if the 6th lord is Retrograde in good position in which the native will be able to get help from people as now others will pay debts for the native, otherwise it sometimes leads to people taking things away forcefully as well as now the Planet has reached Chestha Bal.
In the Upadesa Sutras – Jaimini Rishi has mentioned several slokas related to the Atmakaraka and had also mentioned to see the Char Karakas in the Divisional Charts as well, in the First chapter itself. The way we are going to try to understand the Pending Karma is by looking at the Atmakaraka planet in in the Rashi and Divisional Charts and make the prediction out of it.
Let me give Examples first with a chart who most of you already know – Venus 3rd and 10th lord Atmakaraka in Rashi of Putrakaraka in 4th house : Karam of Writing/Speaking to the Masses related to Occult or bring major Transformations in life of people through Writing. This is in the Chart of Paramhansa Yogananda – you already know the rest of his story.
7th house Moon AK in Capcicorn who is PitriKarak – Native has always worked for Public Health and did research on HealthCare services reaching to the People who cannot afford it.
7th house Sun AK in Cancer with Moon Gk – After Marrige is constantly staying with Inlaws and serving them as In-Laws has members with Mental issues/Mental Development – Constantly Native has to work in this area regardless of whatever else is going on in life.
These are the basic Guidelines as how to use the Char Karakas – any conjunction of other planets will alter the effect completely such as Mars being AK will show karam towards health and Brothers but when Conjunct Gk Mercury – the Prediction will change to “Resolving Debts of Sisters/Cousins and learning to do Problem Solving in any situation” . Now the Planet changes to Moon being Gk then the prediction will again change to “Using your Body to solve emotional troubles of others and dealing with Property related issues”
Every Factor will change the Prediction altogether including aspects (Both Rashi and Graha aspects should be used at all times) – and you need to notice everything and learn to see the chart in Holistic Manner.
Let us see a Case Study : This is the consultation which came sometime ago and native was asking regarding his Career and the Karam of Ancestors.
After confirming the events of Career, certain events of Ancestors and Native himself was mentioned – Karam to Take Care of Family’s Health , History of Two Marriages in Family, Money being Given to friends on constant basis.
Below is the feedback which you can listen to along with the Chart Screenshot :
The basis on which these Predictions were made is basically by looking at Venus as the AK and seeing the same in the D12 Chart as Venus is the Lagna Lord (Health) and in 3rd house in Cancer showing efforts needed for Family’s Health and Mother. Since Venus is also Karak of Marriage and Rashi Chart already gave indications of multiple marriage in family , the D12 also confirmed the same as Jupiter is Retro and 7th house is badly afflicted with 4 Malefic planets.
Below is another chart in which Certain Predictions were made but I’ll leave it to the Students to Decode as to how these predictions were done – you can comment the same below.
Always remember that there are multiple ways to Predict in Chart , You can use Different Techniques to reach the same prediction but you should have a SOP which you follow in all charts and don’t run here and there with Techniques otherwise you will not be able to get a Proper Grasp of the Essence of any Technique.
– Lunar Consultant 5015



Thank You sir I am binge reading these articles and every single one of them is masterclass
The best thing the way you are using just signs in the d1 chart to predict very important yet subtle things we tend to ignore
Perfect and best in the readings and that audios helps me a lot.