Chapter 42: Combinations for Penury

O Lord, you have stated many Yogas, related to acquisition of wealth. Please tell me such Yogas, causing utter poverty.

The native will be penniless, if Lagn's Lord is in Vyaya Bhava, while Vyaya's Lord is in Lagn along with the Lord of a Marak, or receives a Drishti from such a Grah.

The native will be penniless, if Lagn's Lord is in Ari Bhava, while Ari's Lord is in Lagn, yuti with, or receiving a Drishti from a Marak Lord.

Should Lagn, or Candr be with Ketu, while Lagn's Lord is in Randhr Bhava, the person concerned will be penniless.

If Lagn's Lord along with a malefic is in Ari, Randhr, or Vyaya Bhava, while Dhan's Lord is in an enemy's Rāśi, or in debilitation, even a native of royal scion will become penniless.

If Lagn's Lord is yuti with the Lord of Ari, Randhr, or Vyaya Bhava, or with Śani and, if Lagn's Lord is devoid of a Drishti from a benefic, the native will be penniless.

Should Putr's and Dharm's Lords be, respectively, found in Ari and Vyaya Bhava and receive a Drishti from Marak Grahas, the native will be penniless.

If malefics, excepting the Lords of Karm and Dharm Bhava, happen to be in Lagn, associated with, or receiving a Drishti from Marak Grahas, one will become penniless.

Note the Grahas, that are ruling the Rāśis, occupied by the Lords of Ari, Randhr and Vyaya Bhava. If the said dispositors are in such evil Bhavas in turn and are associated with, or receive a Drishti from malefics, the native will be miserable and indigent.

The Lord of the Navāńś, occupied by Candr, joining a Marak Grah, or occupying a Marak Bhava, will make one penniless.

Should the Lord of the natal Lagn and that of the Navāńś Lagn be yuti with, or receive a Drishti from Marak Grahas, one will be penniless.

If inauspicious Bhavas are occupied by benefics, while auspicious Bhavas are occupied by malefics, the native will be indigent and will be distressed even in the matter of food.

A Grah, associated with one of the Lords of Ari, Randhr and Vyaya Bhava, being bereft of a Drishti from the Lord of a Kon, will in its Dasha periods cause harm to the native's financial aspects.

If the 8 /12 from Atma Karak, or Randhr/Vyaya Bhava receive a Drishti from the Atma Karak's Navāńś Lord and the Lord of Janma Lagn, the native will be bereft of wealth.

The native will be a spendthrift, if the 12 from Atma Karak receives a Drishti from the dispositor of Atma Karak, or, if Vyaya Bhava receives a Drishti from the Lord of Lagn.

Now I tell you some Yogas for poverty along with conditions of their nullifications. Should Mangal and Śani be together in Dhan Bhava, the native's wealth will be destroyed. Should Budh give a Drishti to Mangal and Śani in Dhan Bhava, there will be great wealth. There is no doubt in it. Sūrya in Dhan Bhava, receiving a Drishti from Śani, will cause penury, while, if Sūrya is in Dhan Bhava and does not receive a Drishti from Śani, riches and fame will be obtained. The same effects (poverty) will be declared, if Śani is in Dhan Bhava, receiving a Drishti from Sūrya.