dhan jivan ki maulik avashyakta hai. sukhamay, aishvarya sanpann jivan jine ke lie dhan ati avashyak hai. adhunik bhautiktavadi yug men dhan ki mahatta itni adhik badh chuki hai ki dhanabhav men ham vilasitapurn jivan ki kalpana tak nahin kar sakte, vilasit jivan jina to bahut dur ki bat hai. yahi karan hai ki aj pratyek vyakti adhikadhik dhan sanchay karne ke lie prayasarat hai. apne jivn-kal men kise kitna dhan prapt hoga yah dhan kaise-kaise sadhnon ke dvara prapt hoga, in sab sanpurn tathyon ki jankari kisi bhi jatak ki janm patrika men upasthit grah yogon ke adhar par purnarupen prapt ki ja sakti hai. aiye dekhen-ki vah kaun-kaun yog hain jo kisi bhi jatak ko dhani, ati dhani athva nirdhan banate hain.
- jyotish men janmakundli ke dvitiya bhav ko dhan bhav, ekadash bhav ko labh bhav, kendra sthanon (1, 4, 7, 10) ko ‘vishnu’ tatha trikon sthanon (1, 5, 9) ko lakshmi sthan mana gaya hai. - guru aur shukra in do grahon ko mukhyatah ‘dhan karak grah’ ki sangya di gai hai. kundli men upyukt bhavon evan grahon par shubh athva ashubh prabhav arthat shubh sthiti, yuti athva drishti jatak ki dhan sanbandhi sthiti ko darshati hai.
jyotish men 2, 6, 10 bhavon ko ‘arthabhav’ ki sangya di gai hai arthat ye bhav vyakti ki dhan sanbandhi avashkataon ko pura karte hain.
- kundli ka dusra bhav parivar, kutunb v sanchit dhan ko darshata hai. yadi dvitiya bhav balvan hoga to jatak ki dhan sanbandhi avashyaktaen apne parivar se prapt hui dhan sanpda se purn hoti rahengi. use kautunbik sanp hi itni adhik milegi ki kuch aur karya karne ki avashyakta hi nahin rahegi. shashth bhav vyakti ki naukri v rin ka dyotak hota hai. jis jatak ki kundli ka chatha bhav balvan hoga vah vyakti naukri dvara dhan prapt karega athva rin dvara dhan prapti se bhi uske karya purn hote rahenge. isi prakar dasham bhav par shubh grahon ki yuti, drishti athva sthiti um vyavsay dvara dhan prapt karvati hai.
- jab kadra-trikon ke svami grahon ki yuti dvitiya bhav ke svami ke sath kendra trikon men athva dvitiya ya ekadash bhavagat ho to jatak ati dhani hota hai.
- brihat’ parashar hora shastra’ ke anusar yadi dhanesh tatha labhesh donon ek sath kandra ya trikon sthanon men han to jatak ati dhanvan hota hai. yadi dhanesh chaturth bhavagat guru se yut athva uchch rashigat ho to jatak raja sadrish dhanvan hota hai.
- dhanesh aur labhesh ka sthan parivartan athva rashi parivartan yog bhi jatak ko ati dhani banata hai.
- yadi dvitiyesh ke sath lagnesh, chaturthesh athva panchmesh ka kisi bhi prakar se sanbandh banta ho to jatak dhani hota hai.
- yadi panchmesh, navmesh, dashmesh athva labhesh ka lagn, dvitiya athva pancham, navam ke sath yuti sanbandh banta ho to dhan yog hota hai.
- yadi lagnesh dhan bhav men jakar apni uchcharashi, svarashi ya mul trikon men sthit hota hai to jatak dhani hota hai.
- kundli men upachay bhavon (3, 6, 10, 11) ko ‘vriddhi sthan’ kaha gaya hai arthat yadi lagn evan chandrama se upachay bhavon men keval shubh grah sthit hon to grahon ki yah sthiti ‘vasumat yog’ ka nirman karke jatak ke dhan men ur vriddhi karti hai arthat jatak atishay dhani hota hai.
- yadi kundli men ‘panch mahapurush yogon’ men se kisi bhi yog ka nirman ho raha hai tatha kundli men kisi shap ityadi ka dushprabhav n ho to jatak ati dhani hota hai.
- yadi kundli men lagn athva chandrama se 6, 7, 8 bhavon men shubh, grah hon to jatak ko ‘lagnadhiyog’ athva ‘chandradhiyog’ ke shubh prabhav dvara atyadhik dhan ki prapti hoti hai.
- kundli men yadi kisi bhi prakar se ‘viprit rajyog’ ka nirman ho raha ho to bhi jatak dhanvan hota hai. ‘kundli men chaturth bhav ko gupt dhan’ prapti ka karak bhav mana jata hai arthat jab dvitiyesh apni uchcharashi ka hokar chaturth bhavagat ho to jatak ko gupt dhan athva chipe khajane ki prapti ho sakti hai. dvitiyesh yadi mangal ho aur janmapatrika men uchch sthiti men ho to aise vyakti ko bhumi dvara gade dhan ki prapti bhi ho sakti hai.
- rahu-ketu ko achanak hone vali ghatnaon ka karak grah mana gaya hai. kundli men yadi rahu-ketu grahon ka sanbandh lagn athva pancham bhav se ho aur pancham bhav athva rahu-ketu par guru athva shukra ki shubh drishti yog bhi ho to jatak ko satte athva laetri dvara achanak prabhut dhan ki prapti hoti hai.
nirdhanata yog
- yadi dhanesh athva labhesh ka kisi bhi prakar se trik bhav (6, 8, 12) ke svamiyon ke sath sanbandh ban jaye to dhan hani ki sanbhavna banti hai.
- mangal grah ka sanbandh jyotish men bhumi evan avas se mana gaya hai. arthat mangal yadi ashubh hokar hanibhav men ho athva navmansh men ashubh prabhav men ho to jatak ko bhumi evan avas ki hani karvakar nirdhanata pradan karta hai. - dvitiya bhav men sthit pap grah anya pap grahon se drisht ho to jatak daridra hota hai.
- guru grah yadi dvitiyesh hokar labh bhav men ho kintu shatrurashisth bhi ho (vrishchik lagn men), aisa hota hai to jatak ke pas dhan to hoga kintu uske parivarjnon ke dvara vyarth men kharch kiya jayega, jis karan vyakti dhan ki kami mahsus karta rahega.
- lagnesh, dvitiyesh, labhesh tatha surya evan chandrama par jitna adhik ashubh prabhav hoga jatak utna hi nirdhan athva dhanabhav se grast hoga.
dhandayak mahadsha-antardasha:
- dhanesh ki dasha men labhesh ki antardasha athva labhesh ki dasha men dhanesh ki antardasha nishchit rup se dhandayak siddh hoti hai.
- yadi lagnesh ka dhan bhav se sanbandh ho to donon ki dasha-antardasha men dhan prapti sanbhav hai.
- kendrasth rahu-mukhyatah yadi rahu 1, 4, 7, 10 men mesh ya vrishchik rashi men sthit ho to ‘maharshi parashr’ ke anusar rahu ki mahadsha vishesh dhandayak hoti hai.
- shukra aur guru grah par ashubh prabhav n ho to donon ki dashantardasha men bhi jatak ko akut dhan sanpda ki prapti hoti hai. atah spasht hai ki jis jatak ki janmapatrika men uparyukt dhan yog jitni adhik matra men honge vah vyakti utna hi dhani hoga. sath hi yah bhi nishchit rup se kaha ja sakta hai ki yadi kundli men shubh dhan yogon ki apeksha nirdhanata yog athva dhanhani yog adhik balvan hai
to jatak ko nirdhanata ka samna bhi karna hi padega. kundli men uparyukt grah yogon ke balabal ka uchit jyotishiya vishleshan karne ke uprant hi kisi bhi nishkarsh par pahuncha ja sakta hai. yadi ye sabhi dhanyog ati prabal hain to jatak atishay dhani hoga kintu yadi daridrata yog adhik balvan hai to jatak katipay upayon ke dvara hi apni arthik sthiti ko sudhar sakta hai sath hi aisi sthiti men dhan prapti ke lie lakshmi ji ki anukampa bhi ati avashyak hai.