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Sixth House in Kundali and Debt

By Kshitij Sharma, June 10, 2014

Debt, loans and such money matters are seen from sixth house in a horoscope.

6th is a malefic house in a horoscope. Location of a planet in the sixth house is considered a bad placement. Similarly, placement of 6th house lord in any other auspicious house is considered bad for the house. The only good placement for 6th lord is in one of the dusthana houses that cause veepareeta raja yoga. Association of 6th house and its lord with malefics results in Harsha yoga.

As 6th house is a dusthana, it needs to be weaker in the chart for good results. Hence a strong 6th house will lead to debts and loans. An exalted 6th lord, in a good position in horoscope, vargottama, etc. are all such indications of a strong planet.

Such a planet should not be associated with 11th and 2nd house in the kundali at all, because it does not allow for wealth accumulation due to loans. The entire money that a person earns goes in servicing these loans. These are daridra or nirdhana (i.e. poverty) yogas, described in this blog in the appropriate blog post.

DebtsThe main problem that the current society has is that well earning members of the society take huge loans and are not able to repay the loans. 6th house indicates loans, but then it does not govern other money matters in astrology, especially expenses (governed by 12th house in the horoscope) and the ability to make and accumulate money (11th and 2nd house in the kundali). 6th and 12th house lord in a horoscope should not be stronger than 2nd and 11th houses and should not be associated with them.

Debt/loans by itself are not a problem. The problems we have with not controlling expenses and taking too much loan is the real problem.  If 6th house/lord is strong in the horoscope, and other dhana yoga elements are also strong, then the person is fully capable of paying off the loans. We are just talking about debt in this case, not really bankruptcy that will be linked with the daridra yogas.

This is an example chart where there is a lack of debt as the 6th house, its lord are in check by Saturn and Mars.

Incidentally, 6th house is also is responsible for diseases also. The same combination in the chart that shows absence of debt also shows health problems with diseases in abdomen area.


  • Comment by Neena Clifton on December 5, 2014 at 3:27 am

    I am in lot of debt. I am the only person who is earning , no other source of income. How to become rich or how to get money or how to win lottery. What are the nos I have to choose for lottery. Which are lucky no for me , for lottery.

  • Comment by bhaskar on March 9, 2015 at 4:48 pm

    I have a similar type of chart. For Mesha lagna, Mangal from 3rd house singlely aspects swagrihi budha in 6th. There is no aspect of other planets on Mercury …… how would the budha dasa work out?

  • Comment by sunil Kumar p on September 4, 2015 at 1:30 pm

    Sir my DOB:30/04/1982@7:45am I am unsuccessful till now I have many debt on me i am fead up with this ..I decided DIE for this problem so please by seeing my DOB Can u Say weather I will be successful in my life and My debits clear or not

  • Comment by dayal on April 27, 2016 at 9:52 am

    Sir my DOB:06/02/1981@5:03:00 am birthplace dhule maharastra.I am unsuccessful till now I have many debt on me this problem,not getting job no monye income. so please by seeing my DOB Can u Say weather I will be successful in my life and My debits clear or not.

  • Comment by diluka prasad on June 23, 2016 at 2:54 pm

    sir i am a dhanu lagna person and 6th and 11th lord venus in exalted 4th house jupiter in 10th sun,mercury,saturn in 2nd ketu in 6th mars in 7th moon in 3rd. is this good or bad.

  • Comment by Pankaj Rastogi on December 4, 2016 at 5:14 pm

    DOB 12 Sept 1969 ,
    Time 23.30
    Bijnor. U P

    Pl see when will my debt will clear. I am a civil contractor and working in Ahmedabad

  • Comment by Debobrata on March 15, 2017 at 6:35 am

    When will I become debt free? Dob:11January 1963, Time: 9-17 PM
    Birth Place: North Lakhimpur,Assam

  • Comment by roy on August 1, 2017 at 4:36 am


  • Comment by Pramod. M. Deshkulkarni on March 14, 2018 at 3:50 pm

    I have lot of debt even iam govt employee facing lot of problem one kind of fear has established in my mind and is also affecting my body. Kindly suggest me to come out of present crisis.

  • Comment by Manoj Kumar on July 26, 2018 at 6:20 pm

    Dear Sir,

    My DOB is 11June1982 born in town named GULBERGA, Karnataka, India at 16:16 Hours of time.

    Presently I am under great pressure of Debt, This started when 2 years back, from then Debt is increasing and it is not going, I am just paying interest, already paid too much interest and now not in a position to continue …

    Presently I stay in Bangalore . I do not wear any gem stones but I wear rudraksh and many people have advised me to meditate hanuman in different way , one is reading hanumaan chalisa but I am not able to do that , but I want to do .. but all works are getting delayed to max ..

    Could you recommend some solution for me. IF you are present in Bangalore, I can come to personal visit you. I do not know what is happening .. even I want to keep my mind peace by doing some meditation but some thing is restraining me to do those things .. and all started tasks are failing or delaying ..

    My home loan transfer is not happening, it is stuck from past 1 year, I tried in many banks .. tried many things but I am not able to come out of this debt problem.

    more over , My martial status is also not good .. so from all side, I am put under huge pressure ..

    please advise me some solution \ show the path , which leads to peace .. and helps me in coming out of this debt problem.


  • Comment by Deepak on July 13, 2020 at 7:18 pm

    DOB: 19/10/1964, TOB: 01:40 am, POB: Bangalore
    Sir, I have huge huge losses and debts. I am under huge pressure from all the creditors and legal and illegal ways are used to harass and humiliate me. I had a very successful business of importing machinery but suddenly everything has collapsed. What shall I do? Will I be able to clear the debts which are in crores? I am currently without any work or any income. Maintaining family itself is a big problem at the moment. Please advise and guide.

  • Comment by Rakesh on September 16, 2020 at 9:08 am

    Dob 28-11-1978 time 15.25 place patna bihar I am in deep debt and not able to control it and seem that I can end my life anytime as I can’t see any way pls help if u can

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