Person is Devoid of Wealth, Son & Family-Sarvarth Chintamani
Sarvarth Chintamani
भाग्येश्वरे चान्त्यगते सपापे जन्मोद येशौ रविगौ कुलध्नः ।
विनष्टपुत्रार्थकलन्नभार्यः शुभैर्न युक्तौ यदि वीक्षितौ वा ।। 56 ।।

If the ninth lord is sinful and is in the twelfth house and the birth sign and the lagna lord both are set then the person is devoid of wealth, son, family or all these things get destroyed but in this yoga if only the auspicious planets are in sight or on the yoga causing planets then the above result does not occur.
When the ninth lord, which signifies fortune, dharma, father, guru, and divine blessings, is afflicted and placed in the twelfth house, the house of loss, expenditure, isolation, and detachment, it creates significant hardships in life. This situation becomes even more challenging when both the Lagna (Ascendant) lord and the Moon sign lord are weak, as it indicates a lack of personal strength, willpower, and emotional stability. The ninth house is one of the most auspicious houses in a horoscope, and any affliction to its lord, especially when positioned in the twelfth house, results in difficulties related to wealth, family, dharma, and overall fortune.
One of the major consequences of this planetary combination is financial instability. Since the ninth house governs fortune and prosperity, an afflicted ninth lord in the twelfth house of losses leads to frequent financial setbacks, loss of assets, or an inability to accumulate wealth. The person may struggle with earnings, suffer from unexpected expenditures, or face obstacles in maintaining financial security. This combination can also indicate loss of inherited wealth or a downfall in financial status due to misfortune or wrong decisions.
Another significant issue arises concerning progeny. The ninth house is also considered the fifth house from the fifth, meaning it holds influence over children. When its lord is weak or afflicted and positioned in the twelfth house, it can lead to difficulties in childbirth, delays in progeny, or suffering through children. The person may face obstacles in having children, experience strained relationships with them, or endure hardships due to their actions. In extreme cases, it could even indicate the loss of a child.
Family dynamics are also adversely affected by this planetary combination. The ninth house represents family legacy, values, and ancestral blessings. When its lord is in the twelfth house in a weakened state, it can cause disharmony within the family, disputes over inheritance, estrangement from family members, or a general lack of familial support. The person may feel disconnected from their roots, face opposition from relatives, or experience a decline in family unity.
On a spiritual and moral level, an afflicted ninth lord in the twelfth house weakens dharma, good fortune, and divine blessings. Such a person may struggle with faith, moral integrity, and ethical decision-making. They may lack inner guidance, suffer from misfortunes due to past karma, or find it difficult to establish a stable belief system. If the Lagna lord and Moon sign lord are also weak, the native may experience severe self-doubt, lack of confidence, and an overall inability to navigate life’s challenges effectively. A weak Lagna lord affects the person’s physical and mental strength, while a weak Moon sign lord affects emotional resilience, leading to stress, anxiety, and confusion in life.
However, despite these challenges, the negative effects of this combination can be neutralized under certain conditions. If benefic planets such as Jupiter or Venus aspect or conjunct the afflicted ninth lord, they provide divine grace and lessen the severity of the hardships. Jupiter’s aspect, for example, can transform financial struggles into spiritual growth, helping the person evolve through wisdom and knowledge. Similarly, if benefic planets influence the Lagna lord or the Moon sign lord, they enhance the native’s resilience, preventing a complete downfall. Additionally, if the ninth lord is placed in a benefic Navamsha sign, hidden support from past karma or divine protection may help the individual recover from difficulties later in life.
In conclusion, an afflicted ninth lord in the twelfth house, especially when combined with a weak Lagna and Moon sign lord, can cause severe struggles in finances, family, faith, and fortune. However, the presence of benefic influences can mitigate these effects and even turn adversity into spiritual growth. A complete astrological analysis is necessary to determine whether the chart contains Raj Yogas or Dhana Yogas, which can counterbalance the negative impact of this placement. By understanding these factors, appropriate remedies and life adjustments can be made to overcome obstacles and lead a more stable and fulfilling life.