Daridra Yoga (Part 6): Navamsha & Other Divisional Chart Effects: 10 Powerful Insights
March 17, 2025 Table of Contents
Introduction
In Vedic astrology, the Rashi (D1) chart provides a broad view of a person’s financial stability, but Navamsha (D9) and other divisional charts play a crucial role in determining hidden financial strengths and weaknesses.
Even if a person has a strong financial promise in the birth chart (D1), their Navamsha (D9), Dashamsha (D10 – career), and Hora (D2 – wealth) may reveal underlying issues that prevent financial growth or cause unexpected losses.
This part will cover:
✔ How planetary placements in divisional charts strengthen or weaken Daridra Yoga.
✔ The role of Navamsha (D9) in determining hidden financial potential.
✔ Effects of debilitated, afflicted, or misplaced planets in divisional charts.
✔ Remedies to counteract negative planetary influences.
Why Navamsha (D9) & Other Divisional Charts Matter for Wealth
- Navamsha (D9) – Shows hidden strengths, weaknesses, and karmic influences on wealth and financial success.
- Hora (D2) – Specifically governs wealth accumulation, savings, and financial management.
- Dashamsha (D10) – Governs career, professional success, and financial stability.
If Daridra Yoga appears in these divisional charts, it indicates:
✔ A person’s financial difficulties are deeply rooted in their karma.
✔ Despite hard work, financial struggles will persist unless corrected.
✔ The person may lose opportunities due to bad financial decisions or lack of luck.
How Navamsha (D9) & Other Divisional Charts Strengthen Daridra Yoga
1. Weak or Debilitated Navamsha Lord in Dusthana Houses
✔ If the Navamsha Lagna lord is weak, debilitated, or placed in 6th, 8th, or 12th houses, it leads to poor financial luck and karmic obstacles.
🔹 Example Formation:
- Taurus Navamsha (Vrishabha D9 Lagna):
- Venus (Navamsha Lagna Lord) placed in the 8th house in debilitation (Virgo).
- Effects:
✔ Constant career instability despite hard work.
✔ Financial downfall due to external circumstances.
2. Afflicted 2nd or 11th House in Hora Chart (D2)
✔ The Hora chart (D2) reveals financial stability and wealth accumulation.
✔ If the 2nd or 11th house is occupied by Saturn, Rahu, or Mars without benefic aspects, Daridra Yoga is activated.
🔹 Example Formation:
- Cancer Ascendant in Hora Chart (D2):
- Saturn in the 2nd house, aspected by Rahu.
- No benefic aspects from Jupiter or Venus.
- Effects:
✔ Difficulty in savings and long-term financial security.
✔ Money is frequently lost through debts or unexpected expenses.
3. Malefic Influence on 10th House in Dashamsha Chart (D10)
✔ Dashamsha (D10) governs career and professional financial success.
✔ If Saturn, Rahu, or Ketu occupy or aspect the 10th house, the person faces repeated financial struggles in their career.
🔹 Example Formation:
- Scorpio Ascendant in Dashamsha (D10):
- Ketu in the 10th house (Leo), aspected by Mars from the 6th house.
- Effects:
✔ Struggles to maintain career stability.
✔ Frequent job changes or career disappointments.
4. All Planets Either Debilitated or in Enemy Signs in Navamsha (D9)
✔ If all major planets (Sun, Moon, Mercury, Venus, Mars, Jupiter, Saturn) are debilitated or in enemy signs in Navamsha, financial success is blocked.
✔ Even if these planets are exalted in the birth chart, their weak placement in D9 destroys their full potential.
🔹 Example Formation:
- Virgo Ascendant in Navamsha (D9):
- Sun in Libra (Debilitated).
- Moon in Scorpio (Debilitated).
- Venus in Virgo (Debilitated).
- Mars in Cancer (Debilitated).
- Effects:
✔ Financial losses occur despite strong D1 placements.
✔ Career struggles are a recurring pattern in life.
Effects of This Daridra Yoga in Divisional Charts
1. Financial Challenges
✔ Weak Navamsha or Hora chart causes wealth accumulation issues.
✔ Career setbacks are frequent due to weak Dashamsha placements.
✔ No matter how much the person earns, they struggle to retain wealth.
2. Career & Professional Impact
✔ Weak D10 creates career instability.
✔ Struggles in business ventures and partnerships.
✔ Promotions and salary growth are delayed.
3. Social & Relationship Impact
✔ Financial issues lead to family disputes.
✔ Delays in marriage due to financial struggles (if seen in D9).
✔ Struggles to maintain a respectable social status.
Remedies to Reduce the Effects of Daridra Yoga in Divisional Charts
1. Strengthen Navamsha Lagna Lord for Financial Stability
- Chant the mantra of the Navamsha Lagna lord daily.
- Wear the gemstone of the Navamsha Lagna lord (if beneficial).
- Avoid unethical financial dealings to improve karmic balance.
2. Strengthen the 2nd and 11th House Lords in Hora Chart (D2)
- Chant “Om Gurave Namaha” for financial wisdom (if Jupiter is weak).
- Perform Lakshmi Puja for financial stability.
- Save money systematically to balance weak D2 placements.
3. Control Malefic Planets in Dashamsha Chart (D10) to Strengthen Career
- For Saturn in D10 – Donate iron, black sesame seeds, and mustard oil.
- For Mars in D10 – Avoid aggression in career matters, donate red lentils.
- For Rahu in D10 – Perform Rahu Shanti Puja, avoid deception in business.
4. Strengthen Benefic Planets to Improve Wealth Potential
- Wear a Yellow Sapphire (Pukhraj) if Jupiter is weak.
- Chant “Om Shreem Mahalakshmiye Namaha” for financial growth.
- Engage in charity to improve karma and wealth opportunities.
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Conclusion & Next Steps
In Part 6, we analyzed:
✔ How divisional charts (Navamsha, Hora, Dashamsha) reveal financial struggles.
✔ Real-life examples of Daridra Yoga in divisional charts.
✔ Effects, challenges, and practical remedies.
Coming Up Next in Part 7:
🔹 Combinations Involving Marakas & Dusthana Lords
🔹 How these lords impact financial struggles.
🔹 Detailed planetary analysis & remedies.
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