Week 7 · Unit 1 · Yogas, Wealth, Longevity and Condition
Milestone 1 of 5: What a chart promises materially
What a Chart Promises Materially
Wealth, and its absence — Chapters 42 to 44 read as a matched pair rather than as two lists.
Assumes you have done: Week 6 in full — functional nature decides which lords count as favourable here
Why this matters
Money is one of the two or three things people actually ask about, and BPHS handles it in a way that is more honest than most modern teaching: it gives a chapter of wealth combinations and then immediately a chapter of poverty combinations, using the same machinery. Reading them together is the whole method. A chart with three Dhana Yogas and two penury combinations is not a wealthy chart with a caveat — it is a chart with a genuine tension in it, and saying which side wins is your job.
Learn
Money is one of the handful of things people actually bring to a chart, and BPHS handles it more honestly than most modern teaching does.
The structure
Chapter 43 gives combinations for wealth. Chapter 44 gives combinations for poverty. They use the same machinery, they sit adjacent, and Chapter 44 opens by explicitly asking for the counterpart to what has just been given.
By now you should recognise this. Ariṣṭa and its antidotes. Yoga formation and its blocking. Argala and its obstruction. Solar yogas and their reversal by malefics. BPHS pairs a doctrine with its counterweight, and the reader’s job is to hold both.
So the method for a material question is not “find the Dhana Yogas”. It is: build both columns, then weigh.
The houses
From Week 4 you already have the distinctions and they carry the whole question:
- 2nd — what is held and can be drawn on. Stock, retention.
- 11th — what comes in. Inflow, gains.
- 12th — what goes out. Outflow, expenditure, loss.
And a fourth that surprises people: the 5th, which appears constantly in Chapter 43 alongside the 11th.
That pairing follows directly from Week 3’s principles. The 5th is what you produce; the 11th is where production turns into receipt. Production and delivery working together is a much better description of a wealth combination than “the 5th is also a money house”, and it is why so many of Parashara’s Dhana Yogas take the shape they do.
The pattern in Chapter 43
Look at three consecutive verses:
Venus in its own sign in the 5th, and Mars in the 11th.
Mercury in its own sign in the 5th, and the Moon, Mars and Jupiter in the 11th.
The Sun in its own sign in the 5th, and Saturn, the Moon and Jupiter in the 11th.
Same shape, different casts. A planet dignified in the 5th — production working at its own strength — with the 11th occupied — delivery supported.
Seeing the shape matters more than memorising the instances, for the same reason it did in Chapter 26. A chart will rarely match a specific verse exactly, and will often match the kind of configuration Parashara is pointing at. Being able to say “this is the shape of a Dhana Yoga even though it is not one of the listed ones” is a defensible and useful judgment, provided you say that is what you are doing.
The mechanism in Chapter 44
Chapter 44’s poverty combinations are more restrictive than Chapter 43’s wealth ones, which is worth noticing in itself.
The characteristic shape, from verses 2 and 3: the Lagna lord in a Duḥsthāna, the Duḥsthāna’s lord in the Lagna — an exchange — and a Māraka connection, by conjunction or aspect.
Three simultaneous conditions, one of which involves the Māraka doctrine you meet properly two units from now. That is a specific claim, not a general warning, and a chart satisfying it fully is saying something considerably stronger than a chart with a merely afflicted 2nd lord.
Weighing rather than counting
The exercise that matters here is the one that resists arithmetic.
A chart with two Dhana Yogas and one penury combination is not two-to-one in favour of wealth. Ask instead:
- What is the condition of the planets forming each? A Dhana Yoga made of debilitated planets is a formation, not a promise.
- What is their functional nature for this ascendant? Week 6 may have reversed your reading of who counts as favourable here.
- What is their strength? Week 5’s six measures separate factors that dignity alone leaves level.
- And which houses are actually carrying the load — is this a chart with good inflow and poor retention, or the reverse?
That last question is often the most useful thing you can say to someone, and it is invisible to anyone counting yogas.
Chapter 42, briefly
Verses on combinations for royal association. Short, and read once.
It reads differently from the two chapters after it, and the difference is worth naming. Wealth and poverty are conditions recognisable in any society. “Association with royalty” describes a particular social order — proximity to a court, patronage, favour from a ruler.
The underlying idea does transfer: access to power, and benefit derived from being near it. But that transfer is an interpretation, and it should be visible as one rather than smuggled in. When you tell someone a chart shows “favour from those in authority”, you are translating, and you should know that you are.
That is why Chapter 42 is Reference here and 43 and 44 are Working. Not because it is unimportant, but because using it requires an extra step that the reader has to perform consciously.
Next: the hardest material in the first half of the book, and not because of the arithmetic.
Read BPHS
This is the source itself. The teaching above prepares you for it; it does not replace it.
Show the full passage — 15 verses
राज्यनाथे जनुर्लग्नादमात्येशयुतेक्षिते ।
अमात्यकारकेणापि प्रधानत्वं नृपालये ॥ १ ॥
- YOGAS FOR ROYAL ASSOCIATION: If the 10th Lord from the natal ascendant is in conjunction with or aspected by Amatya Karakarashisha (the dispositor of Amatya karaka) or is in conjunction with or aspected by Amatya karaka himself, the native will be chief in the king's court.
लाभेशवीक्षिते लाभे पापद्वग्योगवर्जिते ।
राज्यभावे तदा विप्र ! प्रधानत्वं नृपालये ॥ २ ॥
- O Vipra, if the 11th Lord aspects the 11th House and the 10th House doesn't have the occupation by or aspect of a malefic planet the native becomes a chief in the king's court.
अमात्यकारकेणापि कारकेन्द्रेण संयुते ।
तीव्रबुद्धियुतो बालो राजमन्त्री भवेद ध्रुवम् ॥ ३ ॥
- If the Amatyakaraka and the Atmakaraka are in conjunction the native will be endowed with great intelligence and be a king's minister.
अमात्यकारके विप्र ! सबले शुभसंयुते ।
स्वक्षेत्रे स्वोच्चगे वापि राजमन्त्री भवेद् ध्रुवम् ॥ ४ ॥
- O Vipra, when the Amatyakaraka is strong and is in conjunction with a benefic or if he is in his own or in his exaltation sign, the native will certainly become a king's minister.
अमात्यकारके लग्ने पज्चमे नवमेऽपि वा ।
राजमन्त्री भवेद् बालो विख्यातो नाऽत्रसंशयः ॥ ५ ॥
- If the Amatyakaraka is in the Ascendant or in the 5th or the 9th House, there is no doubt in it that the native will become a king's minister and be famous.
आत्मकारकतः केन्द्रे कोणे वाऽमात्यकारके ।
तदा राजकृपायुक्तो जातो राजाश्रितः सुखी ॥ ६ ॥
- If the Amatyakaraka is an angle in a trine from the Amatyakaraka, the native will get royal favour, royal patronage and be happy.
कारकाच्च तथारूढात् लग्नाच्च द्विजसत्तम! ।
तृतीये षष्ठभे पापैः सेनाधीश: प्रजायते ॥ ७ ॥
- O excellent of the Brahmins, if all the malefics are fallen in the 3rd and the 6th House from the Atmakaraka, the Arudha or pada lagna and the natal Ascendant, the native will be an army chief.
कारके केन्द्रे कोणेषु स्वतुङ्गे वा स्वभे स्थिते ।
भाग्यपेन युते दृष्टे राजमन्त्री भवेद् ध्रुवम् ॥ ८ ॥
- If the Atmakaraka in his own or exaltation sign is placed in an angle or in a trine and is in conjunction with or aspected by the 9th Lord, the native will certainly become a king's minister.
कारके जन्मराशीशे लग्नगे शुभसंयुते ।
मन्त्रित्वे मुख्ययोगोऽयं वार्धकेनाऽत्र संशय: ॥ ९ ॥
- If the Atmakaraka, being the Moon Ascendant Lord and in conjunction with a benefic, is placed in the Ascendant, the native becomes a king's minister in his advanced age, there is no doubt about it.
कारके शुभसंयुक्ते पञ्चमे सप्तमेऽपि वा ।
दशमे नवमे वाऽपि धनं राजाश्रयाद् भवेत् ॥ १० ॥
- If the Atmakaraka, in conjunction with a benefic planet, occupies either the 5th, the 7th, the 10th or the 9th, the native will earn wealth through royal patronage.
भाग्यभावपदे लग्ने कारके नवमेऽपि वा ।
राजसम्बन्धयोगोऽयं निर्विशंकं द्विजोत्तम ! ॥ ११ ॥
- O excellent of the Brahmins, if the Arudha or pada of the 9th House is in the Ascendant and the Atmakaraka is in the 9th House, this is undoubtedly a yoga in which the native will be associated with royal circles.
लाभेशे लाभभावस्थे पापदृष्टिविवर्जिते ।
कारके शुभसंयुक्ते लाभस्तस्य नृपालयात् ॥ १२ ॥
- If the 11th Lord is placed in the 11th House and is devoid of any malefic aspect, and the Atmakaraka is in conjunction with a benefic planet, the native will gain through royal association.
लग्नेशे राज्यभावस्थे राज्येशे लग्नसंस्थिते ।
प्रबलो राजसम्बन्ध-योगोऽयं परिकीर्तितः ॥ १३ ॥
- If the Ascendant Lord is situated in the 10th House and the 10th Lord in the Ascendant, this yoga has been spoken of as a strong one for royal association.
कारकात् तुर्यभावस्थौ सितेन्दू द्विजसत्तम ! ।
यस्य जन्मनि जातोऽयं राजचिह्वेन संयुतः ॥ १४ ॥
- O excellent of the Brahmins, if there are Venus and the Moon in the 4th House from the Atmakaraka, the native born with this yoga in his horoscope is endowed with royal insignia.
लग्नेशे कारके वाऽपि पश्चमेशेन संयुते ।
केन्द्रे कोणे स्थिते तस्मिन् राजमित्रं भवेन्नरः ॥ १५ ॥
- If the Ascendant Lord or the Atmakaraka is in conjunction with the 5th Lord, is situated in an angle, or in a trine, the native will be a king's friend.
Show the full passage — 22 verses
अथाऽतः संप्रवक्ष्यामि धनयोग विशेषतः ।
यस्मिन् योगे सनुत्पन्नो निश्चितो धनवान् भवेत् ॥ १ ॥
- Now I shall speak of special combinations giving wealth born in which the native certainly gets wealthy.
पंचमे भृगुजक्षेत्रे तस्मिन् शुक्रेण संयुते ।
लाभे भौमेन संयुक्ते बहुद्रव्यस्य नायकः ॥ २ ॥
- YOGAS FOR GREAT AFFLUENCE: If there is a sign of Venus (Taurus or Libra) in the 5th House and it is occupied by Venus herself and there is Mars in the 11th House, the native will possess great riches.
पंचमे तु बुधक्षेत्रे तस्मिन् बुधयुते सति ।
चन्द्रे भौमे गुरौ लाभे बहुद्रव्यस्य नायकः ॥ ३ ॥
- If Mercury is in the 5th House in one of his own signs (Gemini and Virgo) and the Moon, Mars and Jupiter are in the 11th House, the native will be extremely wealthy.
पंचमे च रविक्षेत्रे तस्मिन् रवियुते सति ।
लाभे शनीन्दुजीवाढ्ये बहुद्रव्यस्य नायकः ॥ ४ ॥
- If there is the sign of the Sun in the 5th House and it is occupied by the Sun himself and, there are Saturn, the Moon and Jupiter in the 11th House, the native will be extremely wealthy.
पंचमे तु शनिक्षेत्रे तस्मिन् शनियुते सति ।
लाभे रविन्दुसंयुक्ते बहुद्रव्यस्य नायकः ॥ ५ ॥
- If there is a sign of Saturn (Capricorn and Aquarius) in the 5th House and Saturn is there in it and the luminaries (the Sun and the Moon) are in conjunction in the 11th House, the native will be extremely wealthy.
पंचमे तु गुरुक्षेत्रे तस्मिन् गुरुयुते सति ।
लाभे चन्द्रसुते जातो बहुद्रव्यस्य नायकः ॥ ६ ॥
- If in the 5th House there is a sign of Jupiter (Sagittarius or Pisces) and he is situated in it and there is Mercury in the 11th House, the native gets extremely wealthy.
पंचमे तु कुजक्षेत्रे तस्मिन् कुजयुते सति ।
लाभस्थे भृगुपुत्रे तु बहुद्रव्यस्य नायक: ॥ ७ ॥
- If in the 5th House there is a sign of Mars (Aries or Scorpio) and Mars himself is situated there in and there is Venus in the 11th House, the combination will make the native extremely wealthy.
पंचमे तु शशिक्षेत्रे तस्मिन् शशियुते सति ।
शनौ लाभस्थिते जातो बहुद्रव्यस्य नायकः ॥ ८ ॥
- If in the 5th House the Moon is in her own sign and Saturn occupies the 11th House, the native owns fabulous wealth.
भानुक्षेत्रगते लग्ने तस्मिन् भानुयुते पुनः ।
भौमेन गुरुणा युक्ते दृष्टे जातो युतो धनैः ॥ ९ ॥
- YOGAS FOR WEALTH: If in his own sign Leo the Sun occupies the Ascendant and has the conjunction of Mars and Jupiter there or he (the Sun) is aspected by them, the native will be endowed with wealth.
चन्द्रक्षेत्रगते लग्ने तस्मिन् चन्द्रयुते सति ।
बुधेन गुरुणा युक्ते दृष्टे जातो धनी भवेत् ॥ १० ॥
- If in the Cancer Ascendant the Moon occupies the Ascendant and she is in conjunction with or aspected by Mercury and Jupiter, the native will be wealthy.
भौमक्षेत्रे गते लग्ने तस्मिन् भौमेन संयुते ।
सौम्यशुक्रार्कजैर्युक्ते दृष्टे श्रीमान्नरो भवेत् ॥ ११ ॥
- If Mars is in the Ascendant in his own sign and he is in conjunction with or is aspected by Mercury, Venus and Saturn, the native will be very rich.
बुधक्षेत्रगते लग्ने तस्मिन् बुधयुते सति ।
शनिजीवयुते दृष्टे जातो धनयुतो भवेत् ॥ १२ ॥
- If Mercury is in the Ascendant in his own sign and he is in conjunction with or is aspected by Saturn and Jupiter, the native will be endowed with wealth.
गुरुक्षेत्रगते लग्ने तस्मिन् गुरुयुते सति ।
बुधभौमयुते दृष्टे जायते धनवान्नरः ॥ १३ ॥
- If Jupiter is in the Ascendant in his own sign and he is in conjunction with or is aspected by Mercury and Mars, the native will be wealthy.
भृगुक्षेत्रगते लग्ने तस्मिन् भृगुयुते सति ।
शनिसौम्ययुते दृष्टे यो जातः स धनी भवेत् ॥ १४ ॥
- If Venus is in the Ascendant in her own sign and she is in conjunction with or is aspected by Saturn and Mercury, the native will be wealthy.
शनिक्षेत्रगते लग्ने तस्मिन् शनियु सति ।
भौमेन गुरुणा युक्ते दृष्टे जातो धनैर्युतः ॥ १५ ॥
- If Saturn is in the Ascendant in his own sign and he is in conjunction with or is aspected by Mars and Jupiter, the native will be endowed with wealth.
धनदौ धर्मधीनाथौ ये वा ताभ्यां युता ग्रहाः ।
तेऽपि स्वस्वदशाकाले धनदा नाऽत्र संशयः ॥ १६ ॥
- OTHER IMPORTANT PLANETS: The 9th Lord and the 5th Lord both are capable of giving wealth. The planets who have the conjunction of these two will also be bestower of wealth in their Dasa periods, there can be no doubt about it.
ग्रहाणामुक्तयोगेषु क्रूरसौभ्यविभागतः ।
बलाबलविवेकेन फलमूह्मं विचक्षणैः ॥ १७ ॥
- In the above said combinations of the planets divisions should be made of benefics and malefics and the wise astrologers should make predictions after properly knowing the strength and weakness of the planets.
केन्द्रेशः पारिजातस्थस्तदा दाता भवेन्नरः ।
उत्तमे ह्मुत्तमो दाता गोपुरे पुरुषत्वयुक ॥ १८ ॥
सिंहासने भवेन्मान्यः शूरः पारावतांशके ।
सभाध्यक्षो देवलोके बह्यलोके मुनिर्मतः ॥
ऐरावतांशके तुष्टो दिग्योगो नैव जायते ॥ १९ ॥
18-19. EFFECTS OF ANGULAR LORDS' DIVISIONAL DIGNITIES: When an angular Lord is in Paarjatamsha, the native will be charitable, in uttamarnsha highly charitable, in Gopuramsha endowed with prowess, in Simhasanamsha honourable, in Paravatamsha Valorous, in Devalokamsha will preside an assembly. in Brahamaiokamsha a Sage and, in Iravatamsha contented and be illustrious in all quarters.
पारिजाते सुताधीशे विधा चैव कुलोचिता ।
उत्तमे चोत्तमा ज्ञेया गोपुरे भुवनांकिता ॥ २० ॥
सिंहासने तथा वाच्चा साचिव्येन समन्विता ।
पारावते च विज्ञेया ब्रह्मविधा द्विजोत्तम ! ॥ २१ ॥
सुतेशे देवलोकस्थे कर्मयोगश्च जायते ।
उपासना ब्रह्मलोके भक्तिस्त्वरावतांशके ॥ २२ ॥
20-22. EFFECTS OF THE 5th LORD'S DIVISIONAL DIGNITIES: If the 5th Lord is Paarijatamsha, the native will get the learning befitting his race, if in uttamamsha, he will have excellent learning, if in Gopuramsha he will get world wide honours, if in simhasanamsha he will be endowed with ministership, O excellent of the Brahmins, in Paaravatamsha, it should be known, he will have knowledge of the Absolute Brahma, in Devalokamsha he will be a Karmayogi or a man of action (performing religious and secular actions) and, in Brahmalokamsha he will be a devotee of gods and, in Iravatamsha he will be a devotee of God, the Almighty.
धर्मेशे पारिजातस्थे तीर्थकृत्वत्र जन्मनि ।
पूर्वजन्मन्यपि ज्ञेयस्तीर्थकृच्चोत्तमांशके ॥ २३ ॥
गौपुरे मखकर्ता च परे चैवाऽत्र जन्मनि ।
सिंहासने भवेद्वीरः सत्यवादी जितेन्द्रियः ॥ २४ ॥
सर्वधर्मान् परित्यज्य बह्मैकपदमाश्रितः ।
पारावते च परमो हंसश्चैवात्र जन्मनि ॥ २५ ॥
लगुडी वा त्रिदण्डी स्याद्येवलोके न संशयः ।
ब्रह्मलोके शक्रपदं याति कृत्वाऽश्वमेधकम् ॥ २६ ॥
ऐरावते तु धर्मात्मा स्वयं धर्मो भविष्यति ।
श्रीरामः कुन्तिपुत्राद्यो यथा जातो द्विजोत्तम ! ॥ २७ ॥
23-27. EFFECTS OF THE 9TH LORD'S DIVISIONAL DIGNITIES: If the 9th Lord is in Paarijatamsha, the native will undertake pilgrimages in this life, if in uttamamsha it should be known that he had undertaken pilgrimages in former births also, if in Gopuramsha he will perform religious rites, if in Simhasanamsha he will be valorous, truthful a conqueror of his senses, and giving up all religions will concentrate only on the Absolute Brahma, in Paravatamsha he will he paramahansa or Supreme among those who have conquered all senses and desires, if in Devalokamsha he will be a Lagudi (an ascetic holding a Cudgel) or a tridandi, there is no doubt in it, in Brahmalokamsha he will become like Indra (the god of gods) after performing Ashwamedha yajna (Horse Sacrifice) and, if the 9th Lord is in Iravatamsha, O excellent of the Brahmins, he will be an incarnate of Dharma himself as Shri Rama and Yudhisthira, the son of Kunti and the eldest of the Pandavas had been in the past.
विष्णुस्थानं च केन्द्र स्याल्लक्ष्मीस्थानं त्रिकोणकम् ।
तदीशयोश्च सम्बन्धाद्राजयोग: पुरोदितः ॥ २८ ॥
- ANGULAR AND TRINAL LORDS RELATED: The angles are known as Vishnusthana (i.e. Houses of Lord Vishnu), while the trines are called Lakshmisthana (ie, Houses Of Lakshmi). The relationship between their lords (Angular and trinal lords) causes Rajayoga.
व्यत्यस्ताश्रय सम्बन्धचान्यो न्यालोक सम्भवः ।
एकस्य राशौ संस्थित्या तदीशालोक नादपि ॥ १ ॥
सहवासाश्च सम्बन्धा इत्येते स्युश्चतु र्विधाः ।
अत्रापि पूर्वपूर्वाः स्युः सम्बन्धा बलवत्तराः ॥ २ ॥
- Mutual exchange of signs: As the Sun is in Aries or Scorpio and Mars in Leo.
- Mutual aspects between two Lords. As Mars in Aries and the Sun in Libra aspect each other.
- Aspecting the sign lord (dispositor): As Mars in Leo and the Sun in Pisces-in this case Mars will aspect the Sun but the Sun will not aspect Mars.
- The Relation of Conjunction: In such a relation the planets are situated in the same sign as the Sun and Mars are in Aries.
These four kinds of relations diminish in strength in the descending order. Thus the 2nd relation is less strong than the first, the third than the 2nd and so on.
पारिजाते स्थितौ तौ चेन्नृपो लोकानुरक्षकः ।
उत्तमे चोत्तमो भूपो गजवाजिरथादिमान् ॥ २९ ॥
गोपुरे नृपशार्दूलः पूजितांघ्रिर्नृपैर्भवेत् ।
सिंहासने चक्रवर्ती सर्वभूमिप्रपालकः ॥ ३० ॥
अस्मिन् योगे हरिश्चन्द्रो मनुश्चैवोत्तमस्तथा ।
बलिवैश्वानरो जातस्तथान्ये चक्रवर्तिनः ॥ ३१ ॥
वर्तमानयुगे जातस्तथा राजा युधिष्ठिरः ।
भविता शालिवाहाद्यस्तथैव द्विजसत्तम ! ॥ ३२ ॥
पारावतांशकेऽप्येवं जाता मन्वादयस्तथा ।
विष्णोः सर्वेऽवताराश्च जायन्ते देवलोकके ॥ ३३ ॥
ब्रह्मलोके तु ब्रह्माद्या जायन्ते विश्वपालका: ।
ऐरावतांशके जातः पूर्व स्वायंभवो मनुः ॥ ३४ ॥
29-34. EFFECTS OF DIVISIONAL DIGNITIES OF TWO PLANETS SO RELATED: If those two the angular and the trinal lords are in Paarijatamsha, the native will be a King, lord protector of men, if in uttamamsha he will be an excellent King, endowed with elephants, horses chariots etc, if in Gopuramsha he will be a tiger of Kings honoured by other Kings: if in Simhsanamsha he will be an emperor ruling states around him in all the four directions. In this yoga were born Harish Chandra, Uttamaja Manu, Bali, Vaishwanara and other Chakravarti emperors. O excellent of the Brahmins, there are such Kings in the present times also such as there is Yudhisthira and in the same way such Kings will be born in future also. Thus Shalivahana Shaka will be such a Chakravarti Emperor. When the angular lord and the trinal lord were in Paravatamsha, in this yoya were born Manu etc. The incarnations of Lord Vishnu are born when they are in Devalokamsha and Brahma etc. Who are the Vishwa Palakas (the feeders of the Worlds) are born when they are in Brahmalokamsha. and, when they were in Iravatamsha, Sawayambuva Manu (Manu, the Self born) was born in ancient times.
Show the full passage — 16 verses
बहवो धनदा योगा श्रुतस्त्वत्तो मया मुने ! ।
दरिद्रजन्मदान् योगान् कृपया प्रभो ! ॥ १ ॥
- O Sage, I have heard from you a number of Wealth giving yogas. Now O Lord, kindly tell me of those yogas due to which one is born in extreme poverty.
लग्नेशे च व्ययस्थाने व्ययेशे लग्नमागते ।
मारकेशयुते दृष्टे निर्धनो जायते नरः ॥ २ ॥
- If the Ascendant Lord is in the 12th House and the 12th Lord is in the Ascendant in conjunction with or aspected by a Maraka Lord (the 2nd and the 7th Lord), the native will be poor.
लग्नेशे घष्ठभावस्थे षष्ठेशे लग्नमागते ।
मारकेशेन युगदृष्टे धनहीन: प्रजायते ॥ ३ ॥
- If the Ascendant Lord is in the 6th House and the 6th Lord is in the Ascendant and is in conjunction or aspected by a Markesha (Maraka Lord), the native will be devoid of Wealth.
लग्नेन्दू केतुसंयुक्तौ लग्नपे निधनंगते ।
मारकेशयूते दृष्टे जातो वै निर्धनो भवेत् ॥ ४ ॥
- If the Ascendant lord or the Moon is in conjunction with Ketu and the Ascendant Lord is in the 8th House and is in conjunction with or aspected by a Markesh, the native will be penniless.
षष्ठाष्टमव्ययगते लग्नपे पापसंयुते ।
धनेशे रिपुभे नीचे राजवंश्योऽपि निर्धनः ॥ ५ ॥
- If the Ascendant Lord along with a malefic is in the 6th, 8th or 12th and the 2nd Lord is in enemy's sign or in his debilitation sign the native even of royal birth will be penurious.
त्रिकेशन समायुक्ते पापदृष्टे विलग्नपे ।
शनियुक्तेऽधवा सौम्यैरदृष्टे निर्धनो नरः ॥ ६ ॥
- If the Ascendant Lord is in conjunction with the Lord of a Triksthan (6-8-12) or with Saturn and is devoid of the aspect of a benefic, the native will be poor.
मन्त्रेशो धर्मनाथश्च क्रमात् पष्ठव्ययस्थितौ ।
दृष्टौ चेन्मारकेशेन निर्धनो जायते नरः ॥ ७ ॥
- The Fifth Lord and the 9th Lord are respectively in the 6th and the 12th House and receive the aspect of a Markesh, the native will be poor.
पापग्रहे लग्नगते राज्यधर्माधिपौ विना! ।
मारकेश दृष्टे जातः स्वनिर्धनो भवेत् ॥ ८ ॥
- If the malefics excepting the 9th and the 10th Lords are situated in the Ascendant and they are in conjunction with or are aspected by a Markesh, the native will be penniless.
त्रिकेशा यत्र भावस्था तद्भावेशास्त्रिकस्थिताः ।
पापदृष्टयुता बालो दुःखाक्रान्तश्च निर्धनः ॥ ९ ॥
- When the Lords of the Houses where the Lords of the Triksthanas (6-8-12) are situated are there in the Triksthanas and have the conjunction or the aspect of malefics, the native will be miserable and penniless.
चन्द्राक्रान्तनवांशेशो मारकेशयुतो यदि ।
मारकस्थानगो वाऽपि जातोऽत्र निर्धनो नरः ॥ १० ॥
- When the Lord of the Navamsha in which the Moon is situated is in a Maraka House or in conjunction with a Maraka planet the native will be penurious.
लग्नेशलग्नभागेशौ रिष्फरन्ध्रारिगौ यदि ।
मारकेशयुतौ दृष्टौ जातोऽसौ निर्धनो नरः ॥ ११ ॥
- If the Ascendant Lord and its Navamsha Lord both have gone to the 6th, 8th or 12th House and are in conjunction with or aspected by Markesh, the native having this yoga is penniless.
शुभस्थानगताः पापा: पापस्थानगगताः शुभाः ।
निर्धनो जायते बालो भोजनेन प्रपीडितः ॥ १२ ॥
- If there are malefics in the auspicious houses and benefics in the inauspicious houses, the native is penniless and is reduced to starvation.
कोणेशदृष्टिहीना ये त्रिकेशै: संयुता ग्रहाः ।
ते सर्वे स्वदशाकाले धनहानिकरा: स्मृताः ॥ १३ ॥
- The planet who is in conjunction with the Lord of the Trik Houses 6-8-12 and is devoid of the aspect of the 9th Lord and the 5th Lord will cause harm in his Dasa period to the native's financial aspects.
कारकाद् वा विलग्नाद् वा रन्ध्रे रिष्फे द्विजोत्तम ! ।
कारकाङ्गयोदृष्टया धनहीनः प्रजायते ॥ १४ ॥
- When the 8th and the 12th from the Atmakaraka or the natal Ascendent, O excellent of the Brahmins,are aspected by the natal Ascendant Lord and the Atmakaraka Navamsha Lord the native will be penurious.
कारकेशो वययं स्वस्मात् लग्नेशो लग्नतो व्ययम् ।
वीक्षते चेत् तदा बालो व्ययशीलो भवेद्धुवम् ॥ १५ ॥
- If the 12th House from the Atamkaraka is aspected by Atmakarakesha (the Lord of the sign in which the Atmakaraka is situated) or if the 12th House from the natal Ascendant is aspected by the Ascendant Lord, the native will be a prodigal or spendthrift it is certain.
अथ दारिद्रय्योगांस्तु कथयामि सभङ्गकान् ।
धनसंस्थौ तु भौमार्की कथितौ धननाशकौ ॥ १६ ॥
बुधेक्षितौ महावित्तं कुरुतो नात्र संशय: ।
निःस्वतां कुरुते तत्र रविर्नित्य यमेक्षितः ॥ १७ ॥
महाधनयुतं ख्यातं शन्यदृष्टः करोत्यसौ ।
शानिश्चापि वेर्दृष्टया फलमेवं प्रयच्छति ॥ १८ ॥
16-18. Now I shall speak of some other Daridrya Yoga (combinations causing penury) and also their conditions of nullifications. Mars and Saturn situated in the 2nd House, the House of wealth have been said to be the destroyers of wealth, but if they are aspected by Mercury they will make the native extremely rich there is no doubt in it. If there (in the 2nd House) is the Sun who is aspected by Saturn, it will make the native bereft of his wealth and if there is no aspect of Saturn, on him (the Sun) it will make him extremely wealthy and famous. The effects of Saturn (in the Sun's condition) aspected by the Sun are given in the same way (that is if Saturn in the 2nd House receives the aspect of the Sun it will make the native extremely poor and if Saturn is not aspected by the sun it will give much wealth and fame).
Practice
Which houses carry a material question, and what does each contribute?
Write your answer down before opening the explanation.
Show the answer and why
Answer: The 2nd — what is held and can be drawn on. The 11th — what comes in. The 12th — what goes out. And the 5th, which appears constantly in Chapter 43 alongside the 11th.
The 5th's presence surprises people until they look at the Dhana Yogas: verse after verse pairs the 5th and the 11th. The reason follows from Week 3's principles — the 5th is what you generate and the 11th is where generation turns into receipt. Production and delivery, working together. That is a far more useful description of a wealth combination than "the 5th is also a money house".
Source: BPHS 13.3, 13.12, 13.13, 43
What pattern runs through most of Chapter 43's combinations?
Write your answer down before opening the explanation.
Show the answer and why
Answer: A planet in its own sign in the 5th, with benefics or specific planets in the 11th — production strongly placed and delivery supported.
Look at verses 2, 3 and 4: Venus in its own sign in the 5th with Mars in the 11th; Mercury in its own sign in the 5th with Moon, Mars and Jupiter in the 11th; the Sun in its own sign in the 5th with Saturn, Moon and Jupiter in the 11th. Same shape, different casts. Seeing the pattern means you can recognise the kind of configuration Parashara is pointing at even when a chart does not match a specific verse — which is the Chapter 26 derivation skill applied to yogas.
Source: BPHS 43.2–4
What mechanism does Chapter 44 use repeatedly for penury?
Write your answer down before opening the explanation.
Show the answer and why
Answer: The Lagna lord placed in a Duḥsthāna, with the corresponding house's lord in the Lagna, and a Māraka connection.
Verses 2 and 3 give the shape: Lagna lord in the 12th and 12th lord in the Lagna, connected to a Māraka lord; then Lagna lord in the 6th and 6th lord in the Lagna, likewise. An exchange between the Lagna and a Duḥsthāna, with the agent of endings involved. That is a far more specific claim than "the 2nd lord is afflicted", and it is worth noticing how much more restrictive Parashara's poverty conditions are than his wealth ones.
Source: BPHS 44.2–3
A chart satisfies two Dhana Yogas and one penury combination. Is it a wealthy chart?
Write your answer down before opening the explanation.
Show the answer and why
Answer: You cannot tell from the count. It depends on the condition of the planets involved in each and on their functional nature for this ascendant.
Counting combinations is the error this whole module exists to prevent. Two Dhana Yogas formed by debilitated, functionally malefic planets and one penury combination formed by strong ones is not a two-to-one result in favour of wealth. Weigh, do not tally. And notice that Chapter 44's combinations tend to have more simultaneous conditions than Chapter 43's, so a chart satisfying one of them fully is saying something quite specific.
Chapter 42 is short and concerns yogas for royal association. Why does it read differently from 43 and 44?
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Show the answer and why
Answer: Because it describes a social position specific to its period, rather than a material condition that translates directly.
Wealth and poverty are recognisable across societies. "Association with royalty" is a claim about a particular social order — proximity to a court, patronage, favour from a ruler. The underlying idea does translate: access to power, and benefit derived from proximity to it. But the translation is an interpretive act, and it should be visible as one. That is why Chapter 42 is Reference in this course while 43 and 44 are Working.
Apply it to a chart
Chart C — Leonardo DiCaprio, the timing chart — Birth-certificate data and a well-dated public record — which is what makes timing work possible at all. · about 22 min
| Graha | Sign | House | Degree | Nakshatra | Condition |
|---|---|---|---|---|---|
| Sun | Libra | 2 | 25°09'44" | Vishakha 2 | debilitated |
| Moon | Virgo | 1 | 23°10'19" | Hasta 4 | neutral |
| Mars | Libra | 2 | 16°05'31" | Swati 3 | neutral |
| Mercury | Libra | 2 | 6°15'25" | Chitra 4 | neutral |
| Jupiter | Aquarius | 6 | 14°35'29" | Shatabhisha 3 | neutral |
| Venus | Libra | 2 | 26°23'27" | Vishakha 2 | own sign |
| Saturn | Gemini | 10 | 25°17'48" | Punarvasu 2 | neutral |
| Rahu | Scorpio | 3 | 17°46'00" | Jyeshtha 1 | not assigned in BPHS |
| Ketu | Taurus | 9 | 17°46'00" | Rohini 3 | not assigned in BPHS |
| Lagna | Virgo | 1 | 9°37'18" | Uttara Phalguni | lord Mercury |
Chart C, with the 2nd and 11th picked out. Its 2nd house holds four grahas, which makes the material question unusually concentrated and therefore unusually readable.
- In Chart C, examine the 2nd, 11th and 12th houses and their lords — stock, inflow and outflow. Name each lord, its placement and its condition.
- The 2nd holds Sun, Mars, Mercury and Venus. Note each one's dignity. Venus is in its own sign here and the Sun is debilitated in the same house — write down what each of those contributes separately.
- Search Chapter 43 for any combination this chart satisfies. Then search Chapter 44 for any it satisfies. Record both lists honestly, even if one is much longer.
- Now weigh. Which side carries more, and on what grounds? Use functional nature from Week 6 and strength from Week 5, not the number of combinations found.
- Write three sentences on this chart's material promise with an explicit confidence level. Then do the same for Chart B, whose 2nd lord is debilitated in a Duḥsthāna.
Check your understanding
Answer from memory first. Looking back at the reading before you try turns a memory test into a copying exercise.
Where would you look for combinations indicating poverty, and what should you read alongside it?
Write your answer down before opening the explanation.
Show the answer and why
Answer: Chapter 44 — and Chapter 43 immediately before it, always.
They are a matched pair and were written as one. Reading either alone gives a distorted picture, in the same way that Chapter 11 without Chapter 12 does. BPHS's habit of pairing a doctrine with its counterweight should be thoroughly familiar by now.
A client asks why they earn well and never seem to keep anything. Which houses do you examine and in what order?
Write your answer down before opening the explanation.
Show the answer and why
Answer: The 11th for inflow, the 2nd for retention, the 12th for outflow — in that order, because the question already tells you inflow is working.
This is a good example of the question shaping the emphasis rather than the method. A strong 11th with an afflicted 2nd and a heavily occupied 12th is a recognisable and specific configuration, and it is exactly what the person has described. Being able to map an ordinary complaint onto three houses in a few seconds is a large part of what practical fluency is.
Why does this course treat Chapters 43 and 44 as Working rather than Core?
Write your answer down before opening the explanation.
Show the answer and why
Answer: Because the general method for judging a material question comes from Chapter 13's rule and the lordship map, and these chapters supply specific confirming combinations rather than the method itself.
You could assess a chart's material promise competently using only Week 3 and Week 4's tools. These chapters make that assessment sharper and give you named configurations to check against. That is a real contribution and it is not the foundation — which is exactly what Working tier means.
What you carry forward
Two things grow across the whole course. This unit adds to both.
To your chart-analysis process
- **Step 10 (continued) — identify Yogas, supporting and contradicting.** For a material question, check the Dhana Yogas of Ch. 43 AND the penury combinations of Ch. 44. Record both columns before weighing.
To your field manual
- Material question houses: 2nd — stock and retention. 11th — inflow. 12th — outflow. 5th — production, which is why Ch. 43 pairs it with the 11th constantly.
- Ch. 43's characteristic Dhana Yoga shape: a planet in its own sign in the 5th, with specified planets in the 11th.
- Ch. 44's characteristic penury shape: an exchange between the Lagna and a Duḥsthāna, with a Māraka lord connected.
- Chapters 43 and 44 are a matched pair. Never read one without the other.
- Weigh, do not tally. Two weak Dhana Yogas do not outweigh one strong penury combination.
- Ch. 42 (royal association) is period-located. The transferable idea is access to power and benefit from proximity to it — and that transfer is an interpretation, not a reading.
By now you should be able to
- State the houses that carry a material question and what each contributes
- Identify Dhana Yogas and penury combinations in a chart
- Weigh wealth and poverty indications against each other rather than counting them
- Say what Chapter 42 is and why it reads differently from 43 and 44