The Daridra Yoga: The Yogas for Penury!

Good karma of a person ensures that he has enough to have proper sustenance in life, provided the person is leading a householder’s life. The sustenance comes in the form of wealth that can be used to procure all the necessities in life. Lord Vishnu guide individual soul to follow the path of Dharma, hence in Srimad Bhagavad Gita, lord Krsna says, that he takes Avatars time and again to ensure the denizens of this mortal world are in the path of Dharma. However, with the reduction of the Sattva due to changes in the various yugas, the Dharma reduces. The Dharma is just quarter in the Kali yuga. When one follows the path of Dharma (Kendra), the native is blessed by the consort of Sri Vishnu, Lakshmi Mata. She ensures that one who follows the path of Dharma lives a life of comfort and opulence. So, there is no point of being averse to the notion of wealth, when one is living the life of a householder.

On the other hand, when one takes the path of Sanyasis, what the use of material wealth? One is not even expected to store food for even a day, so where is the question of saving wealth? They are guided by Lakshmi mata in the form of attaining spiritual attainments and like real mother remove obstacles in the path to moksha. She ensures that the person is kept healthy and fit, so that he can perform the spiritual penance or Saadhana. Hence, expecting to build a big bank balance and have a pleasurable life is something beyond imagination. The mere thoughts of attachment of material possession takes one distant from the goal of a true Sanyasi, attaining Moksha.

So, when does one suffer from Penury? The penury here is not a willing renunciation (tyaga) of the material possession, but a compulsion to live in a condition that is bereft of material possession and wealth. This happens when one is diverted from the path of Dharma, which is when Lakshmi mata leaves one on his own, till the period of redemption from the negative Karma is over. How we know that the native has done negative karmas leading to penury? The Vishnu and the Lakshmi Bhavas should be afflicted. When the Vishnu Bhavas (Kendras 1, 4, 7, 10) are afflicted the native has a life full of struggles, while when the Lakshmi Bhavas (Konas 5, 9) are afflicted, the native does not receive his due rewards, even if he is successful in his endeavour. In addition, following are the key cause of penury in people’s life. It is said that when one has at least 3 or more yogas, the situation becomes truly worse.

  1. Dusthana: The Dusthanas are the creator of troubles and indicate all the punishments that we must receive in this life due to previous negative karmas. However, if the Konas are not afflicted, it means that the native will receive protection due to other good karmas of the past. Here 6th = enmity, conflicts, legal battles, injuries and afflictions; 8th = obstacles, dangers to life, sudden mishaps and calamities, 12th = loss of homeland, loss of wealth, loss of position, loss of life.
  2. Shani: Shani being the Karaka of the Dusthanas, is the governor of all the punishments that one receives in this life. However, if Shani is the lord of a Kendra or a Kona or a yogakaraka, it does not remain unfavourable, unless it is in Neecha or Shatru Rasi.
  3. Maraka: The 2nd and 7th are the maraka Bhavas and if owned by Shubha Grahas become strong marakas. When Shani establishes Sambandha with the Marakas, Shani becomes the leading Maraka. The marakas remove the prana from the body causing the soul to leave the body. The Prana is governed by Chandra and Guru, Chandra being the Sustainer and Guru attaining Uccha in Chandra’s Rasi. Anything that is inimical towards Chandra saps out life. The natural maraka is Shukra, being the 2nd and 7th lord, and represents Lakshmi. Shukra cause Uccha to Chandra indicating that Lakshmi mata makes it possible for a comfortable living in the world.
  4. Shukra causes Uccha to two grahas Chandra and Shani, one the karaka for sustenance and another one is the Ayushkaraka, the governor of longevity. There is no doubt that when Shukra is positive, it grants longevity. But when it is not positive, it curtails longevity. It is very apt that Shukra governs the Mrtyunjaya Mantra, the power to bring back the dead to life. When Shukra becomes negative and becomes averse to a person’s wealth? When the Konas are afflicted.
  5. Shukra and Chandra are the two most important grahas for comforts in life. It is known that joint influence of Shukra and Chandra on the 4th house, the house of comforts gives great opulence. Similarly Guru, who gets Uccha in the natural 4th house strengthen the yoga of comforts and luxuries as it is the karaka for the Konas, Dhana and Labha Bhavas.
  6. The Lagna is the most important among all the positive or negative yogas. Lagna represents the force which gives one the stamina to deal with all the adverse yogas in life and leverage the opportunities that may come on the way. Affliction to the Lagna cause serious troubles in life, as the native loses the enthusiasm and zeal to fight the odds. Lagna is the only Bhava that is a Kendra and a Kona, hence its affliction cause great miseries.
  7. According to Maharishi Parashara vide BPHS 42.2., the native will be penniless, when Lagnesha is in Vyaya Bhava, while Vyaya’s Lord is in Lagna along with the Lord of a Maraka, or receives a Drshti from a Maraka. Lagnesha causes growth to the Bhavas where it occupies and aspects, like fertiliser causes growth to a plant. When Lagnesha occupies the Vyaya Bhava, it causes vigorous growth of the expenses. In addition, when 12th lord is afflicted, the native is heavy pressure due to uncontrolled expenditure. The occupation of the 12th lord in the Lagna cause the mind to dwell in the feeling of “giving up” and dejected when it is also aspected (or conjoined) by a Maraka.
  8. One is penniless when Lagnesha occupies Ari Bhava, while Arisha occupies the Lagna yuti-drsti with the Maraka Lord. (BPHS 42.3).
  9. When lagnesha occupies the Randhra Bhava, and Janma Lagna or Chandra Lagna is afflicted by Ketu, the person suffers penury. (BPHS 42.4).
  10. When Lagnesha occupies a Dusthana (6, 8, 12), while the Dhanesha weak or afflicted in the Neecha or Shatru Rasi, the native even if born to a king will suffer penury. On the other hand, when lagnesha conjoins lords of Ari, Randhra, or Vyaya Bhava, or Karaka Shani and devoid of any Shubha Drsti, the native suffers the same fate. (BPHS 42.5–6).
  11. When Putra lord occupies Shatru and Dharma lord occupies Vyaya and simultaneously aspected by a Maraka, the native suffers penury. (BPHS 42.7).
  12. When a Krura graha occupies the Lagna and having yuti-drsti from a Maraka Graha, the native suffers penury. However, this does not happen when the Krura grahas own the Karma or Dharma Bhava. (BPHS 42.8).
  13. When the dispositors of the Dusthanas (6, 8, 12) conjoin another Dusthana and have yuti-drsti from Krura grahas, the native suffers from Penury. (BPHS 42.9).
  14. The dispositor of Chandra’s Navamsa is very important in the matters of sustenance. When such a graha joins a Maraka graha or occupies a Maraka Bhava, the native suffers penury. Similarly the Lagnesha or the Navamsa Lagnesha conjoin with a Maraka graha or occupy a Maraka Bhava, the native suffers from penury. (BPHS 42.10–11).
  15. When Shubha graha are relegated to Dusthanas and the Krura grahas occupy the Kendra and Konas, the native suffers penury and is distressed for even for food. (BPHS 42.12).
  16. A Graha conjoined with a Dusthana lord and bereft of a drsti of a Shubha graha or a Konadhipati, causes distress in its Dasa period. (BPHS 42.13). Which means that the financial distress is only temporary and occurs during the periods of such graha. The situation certainly worsens when the transits are also unfavourable such as Lagna or Dhana is transited by Krura graha, the lord of the Dusthanas and Neecha or Shatru grahas. (BPHS 42.13)
  17. When the 8th or 12th is aspected by Lagnesha the native suffers from financial troubles. Similarly when the 8th or 12th from Atmakaraka (Karaka Lagna) is aspected by the Karakamsadhipati (Navamsa dispositor of the Atmakaraka), the native suffers from financial distress. if both these yogas are present, the suffering is intense. (BPHS 42.14)
  18. When the Lagnesha aspected the Vyaya Bhava, or the Karaka Lagnadhipati aspects the Vyaya from the Karaka Lagna, the native is spendthrift. The native may not suffer from penury, but can’t have much as the Lagna is always looking for opportunity to spend. (BPHS 42.15)
  19. When Shani and Mangal conjoin in the Dhana Bhava, the native’s savings are all destroyed. However, the wealth is protected when Budha aspects the Shani-Mangal combination from the Randhra Bhava (BPHS 42.16). Budha in Randhra Bhava protects wealth, so does Shukra in Vyaya and Guru in Shatru Bhavas. But this is true when the said grahas are not weak and afflicted. Or if afflicted, they receive Shubha Drsti.
  20. Similarly Surya in Dhana Bhava aspected by Shani can destroy the savings. However, if Shani does not aspect Surya in the Dhana Bhava, the wealth is protected (BPHS 42.17.). But is known that Surya in the Dhana Bhava can cause loss of wealth due to government fines etc. especially when there is some weakness or affliction to Surya.
  21. On the reverse, if Shani receives drsti from Surya, while occupying the Dhana Bhava, the savings are wasted (BPHS 42.18).
  22. (1) When Mars, Saturn or the Sun occupy the 2nd House, the native’s wealth is destroyed. (2) When the weak Moon aspects the 2nd House, such effects are more pronounced. (3) Mars and the Sun in the 2nd cause afflictions to skin apart from causing poverty. (4) When Saturn posited alone in this House and is aspected by Mercury, he will be greatly rich. (5) Even when the Sun is posited in the 2nd House aspected to Saturn, without aspect of others, pennilessness will come to pass (Saravali 34.15–20.).
  23. (1) Benefics in the 2nd House cause advent of money in many ways. But, if Jupiter posited in the 2nd House remains under Mercury’s aspect, or Mercury so posited in the 2nd House in aspect to the Moon, the entire wealth earned by the native will be deprived. (3) Weak Moon in the 2nd House in Mercury’s aspect denotes, that even the ancestral property will be destroyed; not only this, other sources of income will also be hindered. (4) Should the 2nd House Moon be aspected by Venus, plenty of wealth will be earned. Same is the result by aspect of another benefic (i.e. Jupiter) (Saravali 34.15–20.).
  24. When there are both Dhana and Daridra Yogas in a horoscope, then the ones associated with Lagna will be felt throughout. The results of the others will be felt only during the Dasa of the yoga causing Grahas. The Bhukti is stronger than the Dasa lord in manifesting results. So when the Mahadasa of the Dhana yogakaraka is running, the Bhukti of a Graha causing Daridra yoga can cause periodic financial setback. But it will not be as worse as the Bhukti of the same Daridra yoga karaka graha in the Mahadasa of a unfavourable graha, say the Dusthana lords.
  25. Refer to this article on the Dhana Bhava for more details.
Like what you read? Give Varaha Mihira a round of applause.

From a quick cheer to a standing ovation, clap to show how much you enjoyed this story.