Inspite Of Having DhanYogas, Are You Still In Debt or Heavy Loans – Here’s The Real Reason Why?

So, I saw this chart today where the person was in pain due to huge amount of debt and wanted to get over with, within a couple of months.

The debt amount was over 20 lakh+ and mounting mainly as the combinations in the chart inspite of having good DhanYogas couldn’t materialise.

Now even before we jump on to the chart, let us understand why there are issues and I will try to keep it as simple as possible so that you can understand and check in your chart whether these can get manifested in an opposite or negative manner.

See, as said by Deepanshu Giri sir in his book on Lagna – A Divine Meeting In The Sky that this whole world is made up of energy and get attracted to people or situations (circumstances) who have higher energy than us and we pass on energy to who have lower energy than us and we visit Shakti Peethas, Jyotirlingam to gain energy from the cosmos.

Lagna or what we call Ascendant is most important part of the chart as that is the light source and when the ruler goes in 6th, 8th or 12th house which are devoid of light, it is the going to be the cause of troubles in human life and also if it is combusted by Sun meaning excessive light too is very much of a concern.

POINT 1 – So, first thing is to look where your Ascendant (Lagna) lord as that is mainly the karma you are born to complete from this body of yours.

If it is placed in 6th, 8th or 12th house, with malefics, combust or going in Virgo, Scorpio or Pisces navansh then mainly debt issues will come, and can persist too in life.

One more thing which we will not touch upon in detail is condition of 3rd lord or planets in 3rd as to how much efforts you can put to get over with debt along with usage of D3 chart but we will discuss in Part 2 of this blog but for now let us mainly focus on basic and simple implementation of parameters personally observed over the last couple of years.

POINT 2 – See condition of 2nd house and 2nd lord and see where they are placed.

The 2nd house governs speech, wealth accumulation, family, early education, and possessions such as food, clothes, and it is Maraka sthana because it is 12th from 3rd house and since 3rd house is 8th from 8th being house of death and transformation, 3rd house is about rebirth and carrying higher form of energy from the 8th house so 2nd lord can indicate health risks or financial gains/losses depending on placement and planetary strength.

Like if 2nd is placed in,

• 1st House: Promotes self-earned wealth, good speech (Vaak Siddhi), cultured personality, but possible debt problems especially when Lagna Lord as mentioned goes in 6th, 8th or 12th house.

• 3rd House: Earnings via siblings or communication; potential for fame in singing if Venus supports but person will not be able to overcome debt if 8th lord is placed as now the responsibility on shoulder to reduce debt becomes heavy especially when Mars or Pluto* is placed here.​

• 4th House: Brings property/wealth from mother, vehicles, and education; supports real estate gains if Mars is strong​ but if Saturn or Rahu come here then the problem comes later on in form of debts and enemies as Saturn is curse of ancestors and Rahu will bring curse of serpents or beings which are underground in Paatal so you have to worship Peepal Tree, plant them in other places and give food to ants to get over and keep liquid cash and debt in check.
  Also, offering 1 tsp honey drop on the ground (or park), and praying, bowing down on land and giving Dhoop in temple on Friday will help overcome debt issues. 

• 5th House: Indicates profits through children (like they can help you technically etc in growing your work like in one chart 2nd lord in 5th house so daughter helps native earn money as she does product design and  branding), students, speculation, enhances public relations but if Neptune or Jupiter is placed along with it then it is clear cut indication that money will be spent in fulfilling desires of spouse mainly, or on health of spouse etc;

• 6th House: May involve loans, disputes, or uncle’s wealth, but spending on health/enemies as 2nd lord in 6th is clear cut trouble due to loan but the exception is that if Sun or Venus is in Virgo sign and 2nd lord in 6th then the debt will be very less to zero even though Sun in 6th suffers due to wrath of Shiv, that’s why should worship Shiv regularly else enemies will try to take away wealth.

• 8th House: Unexpected gains (inheritance/lottery) but marital issues, accidents, or speech/food problems and debt is mainly due to curses from maternal family or mother as classical texts too say Moon (Liquid cash) in 8th is not able to fulfill the desires of mother inspite of being in trine from natural 4th house as it usually serves for it’s own self interests as base quality of Sun is carried in 8th (being 5 places away from it) and 2nd lord is opposite from it’s own quality of retaining money here so troubles of debt escalate higher than usual.

• 12th House: High expenses on hospitals, pleasures, or religion despite earnings; possible foreign settlement if other yogas are there but debt will get increased in chart if Jupiter is placed in 8th or 11th and Neptune who is ruler of Pisces is closer to degree of Rahu or Saturn.

POINT 3 – Additional Factors –

1. A6 Pada in 8th House or A8 Pada in 6th House
2. Ketu and Pluto* in 6th or 8th House
3. Pluto* in 2nd House or 8th House
4. Pluto* with 2nd Lord or Venus
5. A6 or A8 Pada in Aquarius
6. Exchange of 2nd and 12th Lord
7. 2nd Lord in 12th and UL in 2nd
8. Venus Ketu in 7th House (as in book of BV Raman, you will find that Mahabhagya yog is formed when 9th lord is in 7th house since it has gone 11 places away from it, the person earns money through self efforts but if Venus who has moved 6 places away from 2nd along with Ketu who has moved 12 places away from 8th conjoin in 7th then debt increases) either because of wife or post marriage only, responsibility and debt increases.
   The earlier case which I was talking about is based on exactly this combination forming in 7th house in sign of Taurus so when he got married, he has to take double responsibility of family, one is of giving money to parents to run home and second is their own home in different place and Navansh is having Ascendant lord to in 6th house (so remember point number 1 to be checked in both D1 and D9 if double patterns are being repeated, then the intensity will be more)
9. Pluto in 4th House (one person has Pluto and Ketu in 4th House – 20 Lakh debt in some couple of hundred rupees in bank)
10. Venus Ketu in 2nd House (the native had Venus Ketu in 2nd and A8 Pada in 6th House and business loan is never ending inspite of having other DhanYogas mainly Moon exalted, and Jupiter forming other yogas even with Ascendant still)

POINT 4 – D2 Hora Chart (Kashinath) (for double confirmation) –

Just make sure that if LL is in 8th, Venus in 8th, Pluto* connected with 8th, Pluto* opposite Venus or Ketu Venus in 2nd, 7th or 8th house then debt issues will persist mainly due to curses in the family like in one case Venus in 8th, problem of debt is due to poisoning some female in family.

*Pluto – also rules Scorpio

We will continue by giving out more information on this in upcoming blogs as this is to be kept simple initially so that you can check and co-relate as in next we may discuss further on D2 Hora Chart in detail.

This article was written by Consultant Code 5001 so if wish to know regarding finances, debts and get sure-shot solutions to your problems, visit – https://consultlunarastro.com/