Timing Financial Ups and Downs using

Vimshottari, Narayana and Sudasa

Sarajit Poddar

Section I: Dhana Yogas (Combination for Wealth)

Maharishi Parashara in BPHS says that the Kendras are specifically the houses of happiness and the
Trikonas are the houses of Wealth and Prosperity. This is because Kendras are ruled by Vishnu, the
sustainer and Trikonas are governed by Lakshmi, the giver of prosperity. Thus, these houses shall appear
prominently in the combinations of wealth. Along with it, 2nd house is the house of accumulated wealth
and 11th house is the house of gains or income and thus, these houses are equally important in the matters
of wealth. 12th signify the house of loss and its involvement in the combinations show loss of wealth. Lets
see what Bhavartha Ratnakara have to say in these matters of wealth:

If the theres a parivartana between the 2nd and 5th lords or the 2nd and 11th lords, the native earns
a lot. This is also true for the placement of the 5th and 9th lords in their own houses.
Here the author talks of the association of the lord of wealth (accumulated), i.e., 2nd lord, with
either the 5th house (Trine) or the 11th house (gains), the native earns a lot of money. This to note
here that while 9th house shows past, the 5th house shows the future. Since the author talks of
involvement of the 5th lord, the native shall "Earn" the wealth with his own effort and not inherit
from his Father (lineage), as signified by the 9th house. In the subsequent line, the author speaks
of the strength of the 5th and 9th houses, the key houses of blessings of Lakshmi.
If the lords of 2nd and 11th are associated with lords of the 5th and 9th, dhana yoga results.
Here the author reiterates the same concept, just to give emphasis on the association of the houses
of wealth and gains with the houses representing the blessings of Lakshmi. Various combinations
can be possible by the association with the 2nd and 11th lord with 5th and 9th house. However, in
my humble opinion, association of 2nd lord with 5th and 9th lords or houses are more important
that 11th lords association with the 5th and 9th lords (the houses are given lower priority), in
bestowing wealth to the native.
If the said planets (2nd and 11th) are associated with lords other than the 5th and 9th, no dhana yoga
results; however, the native does enjoy moderate wealth.
This statement is particularly important; as this states that in the absence of any dhana yoga, the
person would not suffer penury and shall have riches based on the inherent strength of the 2nd,
11th, 5th and 9th houses. The person shall have moderate wealth and can make a comfortable
living out of it as long as there is no association of the houses of wealth with "BAD" houses
(which we shall discuss in the combinations for penury).
Therell be loss of wealth if the 12th lord associates with the 2nd and 11th lords.
12th is the house of losses and association of the 12th lord (vyayesha) with the lords of the 2nd
and 11th lords, shall cause loss of wealth. However, this cannot be interpreted as lack of wealth.
This can be interpreted as the native shall earn wealth based on the association of the lords of the
houses of wealth (2nd and 11th) with the houses of blessings of Lakshmi (5th and 9th) or their
inherent strength, however, the native has to face losses on unexpected ventures as indicated by
the 12th house or 12th lord.
Its always fortunate for Jupiter to associate with the 2nd lord and Mercury.
Here the author brings in the influence of the Karaka for wealth, Jupiter. It is known that if the
karaka of a house is well placed of associate with the lord of the house of aspect the house, then

that particular signification of the house is enhanced. If Jupiter associate (conjunct, aspect, have
exchange) with the 2nd lord (11th lord is left out, as accumulated wealth is under focus), the native
is fortunate and can have good bank balance. Why Mercury is brought into picture is yet to be
understood!
If the 1st, 2nd and 11th lords are in their own houses, a dhana yoga is formed
In the first stanza, the author talked of the stength of the 5th and 9th lords/ houses, whereby here
he talks of the strength of the trine which was left out, i.e., the Lagna and the lord/ houses of
wealth and gain. The purpose of seggregating these into two different places can be priority which
the author gives for the strength of the combination to bestow wealth. In my humble opinion, the
exaltation and other strengths (sthana bala in shadbala scheme) of the said lords shall
also noteworthy to be studied in the context of Dhana Yogas.
If the 2nd and 11th lords are in the lagna, a powerful dhana yoga results
While in previous stanzas, the author speaks of the association of the 2nd and 11th lords with the
trinal lords, namely 5th and 9th; in this stanza, he mentions the placement of the lords of wealth
and gain together in the Lagna can also bestow a powerful dhanayoga. In my humble opinion, the
combination can be extended to placement of the 2nd and 11th lord in 5th and 9th too. If one of
the two of the 2nd and 11th lords are placed in the trine, then the combination is proportionately
weakened. The placement of 5th or 9th lord in the houses of wealth and income, however has
lesser consequences on the matters of wealth.
Yogada (The Yoga Givers)
Maharishi Parashara in BPHS discussed about some special lagnas such as Hora Lagna (HL) and
Ghatika Lagna (GL) and said that matters related to financial prosperity and power/ status need to be
respectively judged from these special lagnas. Whichever a planet comes into contact with these
special lagnas, it becomes specifically capable to bestow prosperity on the native. The effect of the
yogada can be felt during their vimshottari dasa, in the antar of another auspicious planet, related to the
yogada. It is useful to find the intensity of the results, the yogadas can give. The following section
gives different level of yoga giver, whereby the ones mentioned later become progressively stronger to
bestow yoga on the native.

1. KARTA: If any planet becomes the lord of/ placed with/ aspects the Lagna, Hora Lagna or
Ghatika Lagna, then he becomes karta. Karta means the doer and thus, such planet can become the
doer of different actions in the native's life to bring material benefits to the native related to the
area implied by the associaton. If the association is with the Lagna, then there is self development,
if Hora Lagna, then improvement in financial prospects and if the association is with the Ghatika
Lagna, then there is improvement in power, authority and status of the native.

2. KEVALA: Kevala means the exclusive one. If the subhapati (Moon sign lord) becomes the Karta,
then he takes up the role of a Kevala and gives great material prospects. This is because, the
subhapati has the responsibility to provide the materials for sustenance in this world and as it
becomes Karta, its ability to bestow material gains increases substantially.

3. YOGADA: If any planet simultaneously aspects, conjoin, owns the Lagna and Hora Lagna/
Ghatika Lagna, he becomes Yogada. Alongwith the ownership of the signs of Lagna/ HL/ GL,
ownership of 7th from these signs can also be considered. Yogada is comprised of Yoga and Da,
which means material prospects (yoga) giver (da). The association with HL bestow financial gains
and hence such yogada is known as Dhana yogada and association with GL gives power and status
and hence such yogada is knows as Raja yogada.

4. KEVALA YOGADA: If the subhapati (Moon sign lord) becomes a yogada, he is specifically
equipped to give financial gains or status and hence known as Kevala Yogada (exclusive giver of
prosperity).

5. MAHA YOGADA: If a planet simultaneously aspects, placed in or own Lagna, HL and GL (or
seventh from them), then he becomes Mahayogada. The Mahayogada in its dasa bestow excellent
prosperity in the antarof an auspicious planet (related to the yogada by aspect, conjunction or
exchange).

6. KEVALA MAHA YOGADA: This planet has the highest capacity to bestow prosperity to a
native. During the dasa of such planet, the person can rise from riches even from rags. Whenever
the subhapati becomes the mahayogada, it is called the kevala mahayogada.

Section II: Sudasa

C A L C U L AT I O N

OF

SUDASA

Direction of dasa
The direction of counting dasa is based on whether Sri Lagna (SL) is in an odd sign or an even
sign. If SL is in an odd sign, the counting is zodiacal and vice-versa. However, if Saturn is present
in the Lagna the direction is always zodiacal, while Ketus presence in the Lagna reverses the
direction.
This rule also applies to reckoning panaphara and Apoklima too, which are to be used in finding
out the sequence of dasa.
Sequence of Dasa
First four dasas belongs to kendra from the SL. Among the four Kendras, the strongest one initiate
the dasa and the subsequent dasa continue zodiacally or anti-zodiacally based on the direction of
the dasa identified in the previous steps.
The next four dasa belong to Panaphara from the SL and initiated by the strongest of the
Panapharas. The next set of four dasa belong to Apoklima from the SL and initiated by the
strongest of the Apoklimas. Reckoning of the panapharas and apoklimas are also governed by the
direction of dasa given above.
Strength of signs
The strengths of signs are evaluated in a sequential manner. The subsequent steps of finding strength are
only evaluated if the previous step fails. The steps are as follows:
1. The sign containing more planet is stronger
2. The sign conjoined with or aspected by more of Jupiter, Mercury and the lord is stronger.
3. The sign containing exalted planet is stronger than others.
4. The sign whose lord is in a sign of different oddity (odd/ even) is stronger than the one whose lord
is in sign of same oddity.
5. The sign whose lord is more advanced in a sign is stronger. For the nodes, the advancement is seen
from the end of the sign. For Aquarius and Scorpio, stronger of the dual lords are to be considered.
Stronger of lords (for Aquarius and Scorpio)
Rule 1: If one of the lords is placed in own sign and the other is placed elsewhere, the lord placed
elsewhere is considered stronger.
Rule 2: If both lords are placed elsewhere, the stronger of the two signs, where they are placed,
will be considered. The rules of strength of signs are given above.

Rule 3: If the signs occupied by the lords are of equal strength, then the lord more advanced in the
sign is considered stronger.
Length of signs
1. If the dasa sign is odd footed, the counting is zodiacal and vice-versa. Odd footed signs are three
signs counted from Aries and Libra, viz., Aries, Taurus, Gemini, Libra, Scorpio and Sagittarius.
Rests are even footed signs.
2.

Count from dasa sign to the lord of the sign in the direction mentioned above. Consider the
stronger lord of the sign for Scorpio and Aquarius.

3.

Subtract one from the length in the above step. Further add one to it if the lord of the dasa sign is
exalted and subtract one from it if the lord is debilitated.

4.

If the dasa sign is occupied by the lord of the sign, then the length of the dasa is 12 years.

Dasa remaining for 1st dasa

Find the fraction of arc remaining to be traversed by the SL. Prorate the length of the first dasa
with the remaining fraction of SL. For example, if 10deg arc remains to be traversed by SL in a
sign and the length of the dasa of the first sign is 6 years. The dasa remaining for the 1 st dasa is
10/30 * 6 = 2 years.

I N T E R P R E TAT I O N
During a particular dasa, the results can be read from following factors:
1. Placement of the lord of the dasa and its involvement in any yogas.
2. Planets placed in the dasa sign and the yogas forming in the sign.
3. Planets aspecting the dasa sign.
4. Placement of the dasa sign or the lord from Arudha Lagna (AL). Placement in the quadrant gives
consolidation of the fortune, while trine and 11th gives growth. Dusthanas from the AL (more
specifically 12th) can be detrimental to finances.
5. Bhava arudhas falling in the sign. The bhava whose arudha falls in the dasa sign prospers, if not
under any adverse yogas.
6. Placement of HL, GL and Yogadas in the dasa sign is specifically important for finances.
Section V: Case Studies
Bill Gates
American computer billionaire, the richest man in the world in the '90s. His company, Microsoft, went
public in 1986. By 1991 he was worth some $4.4 billion, Number Three on Forbe's 1991 list of richest
Americans.

The wealth givers

1. Chandra Mangala yoga in the 4th -10th axis.
2. 2nd lord Moon in the strongest Kendra (10th) aspected by exalted Mercury (lagna and the 4th lord)
and Mars (11th lord) from the 4th house.
3. 9th lord Saturn is exalted in the 5th house with the 5th lord Venus and 3rd lord Sun. Sun is debilitated,
however it is cancelled due to placement of exalted Saturn. Notably Saturn is the Atmakaraka
(yogas with Atmakaraka are considered very strong).
4. 11th from AL is vacant and is lorded by Moon, who is any a strong wealth giver. 11th is aspected by
Rahu and Ketu.
5. Moon, Mars and Mercury are the yogadas in the horoscope as well, since they are aspecting both
HL and Lagna simultaneously.
Vimshottari Dasa
Vimsottari Dasa (started from Moon):
Ven MD:

1982-09-05

2002-09-06

Antardasas in this MD:

Ven:
Sun:
Moon:
Mars:
Rah:
Jup:
Sat:
Merc:
Ket:

1982-09-05
1986-01-03
1987-01-04
1988-09-05
1989-11-05
1992-11-05
1995-07-05
1998-09-06
2001-07-05

1986-01-03
1987-01-04
- 1988-09-05
- 1989-11-05
- 1992-11-05
- 1995-07-05
- 1998-09-06
- 2001-07-05
- 2002-09-06

Interpretation:
He became rich in Venus Sun to Venus Rahu period. As noted before Venus is one of the
contending wealth givers. The antardasa lords Sun, Moon, Mars and Rahu are all identified
as wealth givers.

Narayana Dasa
Narayana Dasa of D-1 chart (a versatile phalita rasi dasa):
Vi MD:

1976-10-28

Antardasas in this MD:

1988-10-28

Vi:
Le:
Cn:
Ge:
Ta:
Ar:
Pi:
Aq:
Cp:
Sg:
Sc:
Li:

1976-10-28
1977-10-28
1978-10-28
1979-10-29
1980-10-28
1981-10-28
1982-10-28
1983-10-29
1984-10-28
1985-10-28
1986-10-28
1987-10-29

Ta MD:

1988-10-28

1977-10-28
1978-10-28
1979-10-29
1980-10-28
1981-10-28
1982-10-28
1983-10-29
1984-10-28
1985-10-28
1986-10-28
1987-10-29
1988-10-28
-

1993-10-28

Antardasas in this MD:

Li:
Vi:
Le:
Cn:
Ge:
Ta:
Ar:
Pi:
Aq:
Cp:
Sg:
Sc:

1988-10-28
1989-03-25
1989-08-28
1990-01-25
1990-06-27
1990-11-27
1991-04-25
1991-09-28
1992-02-24
1992-07-28
1992-12-26
1993-05-26

1989-03-25
1989-08-28
1990-01-25
1990-06-27
1990-11-27
1991-04-25
1991-09-28
1992-02-24
1992-07-28
1992-12-26
1993-05-26
1993-10-28

Interpretation:
As per Narayana Dasa, he was running later part of Virgo dasa and most part of Taurus
dasa during the time of his financial boom. Virgo houses the 11th lord Mars and lagna as
well as 4th lord Mercury and is involved in the potent Chandra mangala yoga and aspected
by the 2nd lord Moon.
Taurus is the 12th house, but is 9th from AL and aspects the 11th from the AL. In addition,
it also houses, Sri Lagna showing the blessings of Lakshmi. Its lord Venus is placed in
the 5th house in own house joining Saturn, the 9th lords.

Sudasha

Sudasa (phalita dasa showing Lakshmi's blessings):

Vi MD:

1983-12-19

1995-12-19

Antardasas in this MD:

Vi:
Le:
Cn:
Ge:
Ta:
Ar:
Pi:
Aq:
Cp:
Sg:
Sc:
Li:

1983-12-19
1984-12-18
1985-12-19
1986-12-19
1987-12-19
1988-12-18
1989-12-19
1990-12-19
1991-12-19
1992-12-18
1993-12-19
1994-12-19

1984-12-18
1985-12-19
1986-12-19
1987-12-19
1988-12-18
1989-12-19
1990-12-19
1991-12-19
1992-12-18
1993-12-19
1994-12-19
1995-12-19

Interpretation:
As shown in the Narayana Dasa, Virgo appears in Sudasha as well giving wealth and
fortune. Since the Arudha which is placed in the Sudasha Sign prospers, AL, which is
placed in Virgo, made him a famous person as well.

Roger Federer
Swiss-born professional athlete, a tennis phenomenon who won five consecutive Wimbledon
championships, 2003-2007 inclusive, before he was 26 years old.
Federer is the younger of two children, the only son born to business professionals from the
pharmaceutical industry. Athletic from the time he was young, he began playing tennis at age three and
picked up soccer shortly afterward. By age 14 he had pretty well decided that tennis was his first love. He
dropped out of school at age 16 because he felt that his studies were keeping him from his tennis practice.
His parents had been totally supportive of his passion for tennis and had obtained skillful coaches for him.
Nevertheless, they extracted a promise that he would return to school if his tennis career didnt pan out.
They neednt have worried. Somewhat hampered by his emotional outbursts at his own mistakes, Federer
underwent counseling to achieve the emotional coolness required to compete. In 1998, he became the
world junior champion and his professional career took off.
By the end of 1999, he was the youngest player on the ATP list of the top 100. Two years later with several
wins under his belt, he won his first ATP singles title in Milan. With his court performance soaring, he
defeated renowned champion Pete Sampras that same year. On July 6, 2003, at the age of 22, Federer
became the first Swiss to ever win at Wimbledon. He has won the title every year since then, taking his fifth
consecutive title in 2007. With such a stellar record, he is ranked number 1 singles tennis player in the
world.
On the court, Federer is known for his agility, finesse and power. Off the court, the as-yet unmarried,
handsome lad is known for his politeness and frank responses to interview questions. As of July 2007 his
career earnings exceed $31 million from prizes alone. In 2003 he established the Roger Federer
Foundation, a charitable enterprise that funds projects designed to help educate and provide sports
training for disadvantaged people.

The wealth givers

1.

2nd Lord Mercury is placed in the 12th house with the lagna lord Sun and the 7th lord
Rahu.

2.
3.

11th lord Venus is placed in the Lagna.

4.

5th lord Jupiter is placed in the dhana bhava with Saturn the 6th and 7th lord.
Moon is the Dhana Yogada and Ketu is the the Ghati Yogada. Venus is
Mahayogada.

5.

11th from AL is Aries which is vacant and aspected by Venus from the Lagna.

Vimshottari Dasa

Vimsottari Dasa (started from Moon):

Sat MD:

1989-01-08

2008-01-09

the

Antardasas in this MD:

Sat:
Merc:
Ket:
Ven:
Sun:
Moon:
Mars:
Rah:
Jup:

1989-01-08
1992-01-12
1994-09-23
1995-11-02
1998-12-31
1999-12-14
2001-07-13
2002-08-23
2005-06-28

1992-01-12
1994-09-23
1995-11-02
1998-12-31
1999-12-14
2001-07-13
2002-08-23
2005-06-28
2008-01-09

Interpretation:
As mentioned before Saturn is the 7th lord placed in the 2nd house with 5th lord Jupiter and
hence involved in dhana yoga. Antardasa lord Rahu is placed with Mercury, 2nd lord and
Lagna lord Sun, thus is enabled to give Dhana yoga and is placed in the 11th from Saturn
dasa lord. Jupiter is the 5th lord in the 2nd house, placed with the dasa lord Saturn.

Narayana Dasa

Narayana Dasa of D-1 chart (a versatile phalita rasi dasa):

Aq MD:

1998-08-08

2005-08-08

Antardasas in this MD:

Cn:
Ge:
Ta:
Ar:
Pi:
Aq:
Cp:
Sg:
Sc:
Li:
Vi:
Le:

1998-08-08
1999-03-06
1999-10-09
2000-05-06
2000-12-07
2001-07-08
2002-02-05
2002-09-08
2003-04-06
2003-11-08
2004-06-06
2005-01-06

Cn MD:

2005-08-08

1999-03-06
1999-10-09
2000-05-06
2000-12-07
2001-07-08
2002-02-05
2002-09-08
2003-04-06
2003-11-08
2004-06-06
2005-01-06
2005-08-08
-

2014-08-08

Antardasas in this MD:

Li:
Sc:
Sg:
Cp:
Aq:
Pi:
Ar:
Ta:
Ge:
Cn:
Le:
Vi:

2005-08-08
2006-05-06
2007-02-05
2007-11-08
2008-08-08
2009-05-06
2010-02-05
2010-11-08
2011-08-09
2012-05-06
2013-02-04
2013-11-08

2006-05-06
2007-02-05
2007-11-08
2008-08-08
2009-05-06
2010-02-05
2010-11-08
2011-08-09
2012-05-06
2013-02-04
2013-11-08
2014-08-08

Aquarius dasa initiated the time period in which he begin attaining wealth and fame.
Aquarius the 7th house in the horoscope and is placed in the 9 th house from the AL. The
lord Saturn is placed in the 2nd house with 5th lord Jupiter.
The current dasa of Cancer is although the 12th house in the horoscope is placed with
Lagna lord Sun and the 2nd lord Mercury.
Sudasa (phalita dasa showing Lakshmi's blessings):
Maha Dasas:
Vi:

1981-08-08

1983-07-30

Ge:
Pi:
Sg:
Le:
Ta:
Aq:
Sc:

1983-07-30
1984-07-29
1990-07-29
1999-07-30
2000-07-29
2003-07-30
2010-07-29

1984-07-29
1990-07-29
1999-07-30
2000-07-29
2003-07-30
2010-07-29
2017-07-29

Interpretation:
Taurus is the 10th house in the horoscope, although vacant is aspected by Mercury, Sun and
Rahu in the 12th house. Similarly Aquarius is also aspected by the same combination
involved in the Dhana Yoga.