Aum Namo Bhagavate Vasudevaya. Blessings to you, Tushaar Batheja. I have cast my divine sight upon the celestial map of your birth, a precise moment in time when the cosmos imprinted its destiny upon you. Your question regarding the denial of loans and the challenges you face is a shadow seeking the light of understanding. Let us illuminate the cause and reveal the dawn that awaits. Your path is governed by an Aries Ascendant, making you a person of initiative and courage, led by the fiery planet Mars. However, the celestial energies currently at play are complex, creating the very obstacles you describe. **Foundational Planetary Strengths: The Pillars of Wealth** Before we delve into the houses of finance, we must first understand the innate strength of the planets that govern wealth in your chart. * **Jupiter (Giver of Fortune):** * **Horoscope Fact:** In your D1 chart, Jupiter is in the sign of Gemini in the 3rd house. In the Hora (D2) chart, which specifically governs wealth, Jupiter is exalted in Cancer. It possesses a good Shadbala score of 6.02 Rupas and resides in a beneficial Pushkara Pada. * **Interpretation:** Jupiter, the great benefic and significator of wealth and banking, holds immense potential to bless you. Its exaltation in the D2 chart is a promise of significant wealth. However, in the main chart, it is conjunct with the shadow planet Rahu, forming a Guru-Chandala Dosha. This affliction is the primary cosmic reason for misjudgment, confusion, and obstacles from financial institutions. Your innate potential for wealth is high, but it is currently eclipsed. * **Venus (Giver of Currency):** * **Horoscope Fact:** Venus is placed in Virgo in your 6th house, where it is debilitated. Its Shadbala score is 5.97 Rupas. * **Interpretation:** Venus, the planet of currency and comfort, is in a weakened state in the house of debt, enemies, and obstacles (the 6th house). This placement directly points to challenges in matters of finance, luxury, and securing loans. While it is weakened, it sits with an exalted Mercury, which offers some mitigation, a phenomenon we call cancellation of debilitation. This indicates that through intelligence and effort, these financial struggles can be overcome. * **Moon (Giver of Prosperity):** * **Horoscope Fact:** Your Moon is in the sign of Scorpio in the 8th house, where it is debilitated. However, it is aspected by its dispositor, an exalted Mars, creating a powerful cancellation of debilitation Raja Yoga. Furthermore, your Moon is in a Pushkara Navamsha. * **Interpretation:** The mind (Moon) is placed in the challenging 8th house of sudden turmoil and obstacles, and it is in a state of debilitation. This creates deep anxiety and a feeling of being blocked. However, the powerful cancellation of this debilitation promises that you will rise above these challenges with great strength. The placement in a Pushkara Navamsha is a divine blessing, ensuring that despite mental turmoil, your prosperity will ultimately be protected and nourished. **Core Wealth Analysis: The Promise of Your Chart** * **The Hora (D-2) Chart:** * **Horoscope Fact:** In your D-2 chart of wealth, the key planets Jupiter (exalted) and Moon (Hora lord) are placed in the beneficial Cancer Hora. * **Interpretation:** This is an exceptionally strong placement, indicating that the ultimate destiny of your chart is one of significant wealth accumulation. The current struggles are but a passing phase. * **The Indu Lagna (Wealth Ascendant):** * **Horoscope Fact:** Your Indu Lagna falls in Sagittarius. Its lord is Jupiter. * **Interpretation:** This further confirms that Jupiter is the key planet for your wealth. The challenges arise because this key planet, your Indu Lagna lord, is afflicted by Rahu in the main chart. * **The Houses of Finance (D-1 Chart):** * **Horoscope Fact:** The lord of your 2nd house of accumulated wealth is Venus, which is debilitated in the 6th house of debt. Your 11th lord of gains, Saturn, is placed in the 2nd house. * **Interpretation:** This planetary arrangement creates a direct karmic link between gains, savings, and debt. It signifies that your path to wealth involves navigating loans and overcoming financial obstacles. The presence of the 11th lord (gains) in the 2nd house (savings) is a potent Dhana Yoga, promising wealth, but Saturn's slow nature indicates it will manifest with time and discipline. **The Cause of Current Challenges: The Dasha Analysis** Your current troubles are not random; they are a direct result of the planetary period you are experiencing. * **Horoscope Fact:** You are currently under the influence of **Mercury Mahadasha and Rahu Bhukti**, which is active from June 2022 until January 2025. * **Interpretation:** * Mercury is the lord of your 6th house of debts and obstacles. Its major period was destined to bring these matters to the forefront. * Rahu, the sub-period lord, is the planet of illusion and blockages. It is positioned directly with Jupiter, the planet of banking and finance, thereby activating the Guru-Chandala Dosha. * This combination of the lord of debt (Mercury) and the afflictor of finance (Rahu) is the precise reason you are facing rejections and challenges in securing loans. This period is designed to test your perseverance. **Timing of Relief and Success: The Dawn Ahead** **My task is to find the first and most powerful favorable period for financial matters that begins AFTER the current challenging period.** Your struggles are temporary. The cosmic tide is about to turn decisively in your favor. The most promising period for a breakthrough begins with the commencement of your next Bhukti. **Upcoming Period: Mercury Mahadasha - Jupiter Bhukti (January 2025 - April 2027)** This period will bring the solution you seek. Jupiter is the planet of divine grace and the natural significator of banking. * **Income & Gains:** Jupiter is the lord of the 9th house of fortune (Bhagya Bhava). Its period will unlock luck and open new channels of opportunity, improving your overall financial inflow. * **Savings & Accumulated Wealth:** Most importantly, **Jupiter is your Indu Lagna lord**, the specific planet designated to deliver wealth to you. Its activation promises growth in your assets. In your D-2 Hora chart, Jupiter is exalted, promising that efforts made during this time will lead to substantial long-term wealth. * **Expenses & Losses:** Jupiter also rules your 12th house of expenses. This indicates that the loan you seek will likely be for a significant purpose, such as property or a large investment, and it will be granted. **Pinpointing the Exact Window of Success** Within this favorable Jupiter Bhukti, the transits of the great planets will align to deliver the final result. * **Horoscope Fact:** From **May 2025 to June 2025**, the transit of Jupiter will occur in Taurus, your 2nd house of finance. Simultaneously, transit Saturn will be in Pisces. From these positions, both celestial giants will cast their divine aspect upon your 6th house of loans. The 6th house has a strong Sarvastaga Varga score of 30 points, indicating it has the strength to deliver positive results when activated. * **Final Prediction:** The period of **May 2025 to June 2025** is the most potent and auspicious window for your loan to be approved and for financial challenges to dissolve. The doors that are now closed will open with ease. Your efforts will be met with success. **Prescribed Remedial Measures** To mitigate the current negative influences and strengthen the positive energies, I prescribe the following measures. Perform them with faith and consistency. 1. **Strengthen Jupiter:** The core issue lies in the affliction to Jupiter. Chant the Guru Beej Mantra, **"Om Gram Greem Graum Sah Gurave Namaha,"** 108 times daily, especially on Thursdays. This will appease Jupiter and attract grace from financial institutions. 2. **Pacify Rahu:** To clear the obstacles created by Rahu, chant the Rahu Beej Mantra, **"Om Bhraam Bhreem Bhraum Sah Rahave Namaha,"** 108 times daily, especially on Saturdays. 3. **Appease Lord Ganesha:** Your Mahadasha lord is Mercury. Lord Ganesha is the presiding deity who removes all obstacles. Recite **"Om Gan Ganapataye Namaha"** before starting any important work, especially related to paperwork and applications. 4. **Calm the Mind:** Your debilitated Moon in the 8th house can cause immense anxiety. To find peace and inner strength, offer water to a Shiva Lingam daily or every Monday while chanting **"Om Namah Shivaya."** You are blessed with powerful Raja Yogas that promise victory over adversity. This challenging phase is merely a karmic test. Have faith, perform your remedies, and act with courage when the favorable time arrives. Your success is written in the stars. Hari Om Tat Sat