Predictions By Sid

Vedic Astrology



Dhanayoga in 12th House

Combinations of Rajayogas and Dhanayogas occurring in trik houses acquire a new meaning in today’s day and age. If we apply the same principle as written in shastras we can go wrong. Therefore, as said by Sh. K.N Rao apply principles from classics liberally and not literally.

Lets us understand this with an example:

Chart of a businessman born in 1964

Notice the following yogas:

Sasha Yoga: Saturn in own house(mooltrikona) in 10th

Malavya Yoga: Venus in own house in lagna as lagna lord. Notice the degrees of Venus and ascendant

He has concentration of planets in the 12th House: Mer(R), Jupiter and exalted Sun

This concentration of planets in the 12th house forms rajayoga and multiple dhanayogas aspected by a yogakaraka Saturn which is in turn in its mooltrikona sign. Also, notice the exchange of 11th and 12th lords. This makes the 12th house very powerful.

Let us look at the dasha pattern along with navamsa:

Career: Second half of Dasha of Rahu was uneventful for him as he did a lot of hardwork but had very little to show for it. He was doing a business related to educational materials.

Jupiter Mahadasha: Post 2000 as he was in the beginning of the dasha of Jupiter he started to get contracts for exports. Notice this Jupiter participating in all the dhanayogas and rajayogas and in the 12th house of exports.

For Taurus lagna, Jupiter is a malefic as it owns the eighth and the eleventh houses and placed in the twelfth. Throughout the Jupiter dasha he got one contract after another and built a high sustaining business around it and has earned in millions.

The blemish of Jupiter came to him as a health issue in Jupiter Venus period which was very serious for a couple of years, but he overcame that and now is in good health. Therefore, Jupiter did give its effects as the eighth lord and Venus AD is the sixth lord as well.

He continues to do better in his Saturn Mahadasha which is also the yogakaraka.

This is an example of Dhanayogas and Rajayogas in the 12th house giving extremely positive results for the native.

Dashamsha confirms the rise as all the planets involved are strong and participate in multiple Rajayogas.

How to read a Navamsa chart?

“If Birth Chart is a tree, Navamsa chart is the fruit in that tree.”


Navamsa is the ninth division of a horoscope and is one of the most important divisional chart to be studied along with the  D-1/ main chart. In the Vimshopak Bala given by Parashara  it is given 3 points after shastiamsha and the birth chart. Shastiamsha/D60 is given the highest weight-age of 4 points higher than the birth chart which has 3.5 points.

Clearly D60 is the most important chart but since it changes every two minutes the accuracy of its lagna is doubtful as in most of the charts, the timing is off by a few minutes.

The Birth Chart changes every two hours and so many children are born in the same state during those two hours, each having same lagna. Their fates will change according to the paatra but not all will have similar destiny. That is where navamsa and other divisional charts come into picture.

Navamsa Chart has to be read in following ways:

  1. To check the strength of a planet: The most important use of the navamsa chart is to check if the planet is really strong. If a planet is exalted in the birth chart and debilitated in the navamsa then the planet’s inherent strength is not there. The planet will only give good results in the first half of its dasha and will give poor results in his next half and vice versa. This is the reason why we should also check the planet’s dignity and strength in navamsa before reading a chart.
  2. Read it independently: Some astrologers read it as a mirror chart to the main chart and confirm the events. If D1 and D9 show the same event for eg: In a students chart, in D1 5th lord has connection with 12th house/lord and the dasha is also running then the education can be outside the home city(one of many things). If the same combination of the D9 lords repeats then it is a certainty.
  3.  Marriage Chart: This chart is read independently to know all the attributes of spouse and to time the marriage of an individual as well.
  4. RasiTulya Navamsa: It is the super imposition of navamsa chart over rasi chart, i.e. keep the rasi chart lagna as it is and place the planets in the horoscope as per their positions in the rasi chart. It tells us how the lords have shifted in the navamsa and can be used to predict as well.

Therefore it is important to read the Navamsa Chart/D9 always along with D1.

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