Business losses

Talk to an astrologer about business losses

Business losses are read in Vedic astrology from the houses of wealth, trade, gain and expense, and the chart is read next to the accounts, never instead of them.

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Updated 2026-11-02

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My shop has been in loss for eight months. Sales dropped, rent is the same. Is it my time or something in my kundli?

Please share your birth date, time and place, and the month the shop opened. I will look at your 2nd, 7th and 11th houses and the dasha you are running, and then we can talk about what is in your hands.

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Example of a consultation about business losses on Kismo

Short answer

Business losses, or vyapar mein ghata, are read in Vedic astrology from the 2nd house of wealth, the 7th of trade, the 11th of gains and the 12th of losses, plus the dasha you are running ¹. A chart can show which period feels heavy; it cannot read your accounts, so pair it with a chartered accountant. On Kismo, verified Vedic astrologers read your chart by chat or call, online from anywhere.

Key facts

What are the key facts about business losses?

	Answer
What it is	A reading of why a business is losing money and which period the chart links it to, by the houses of wealth, trade, gain and loss ¹
Other names	Vyapar mein ghata, business mein nuksan, dhandhe mein loss, vyapar hani
What an astrologer checks	The 2nd, 7th, 10th, 11th and 12th houses and their lords, the running dasha, then Saturn and Jupiter in transit
What softens a loss combination	A benefic aspect on the planets involved; Brihat Parashara Hora Shastra says Mercury's aspect turns Mars and Saturn in the 2nd into wealth ³
What to bring	Birth date, exact time and place, the date the business started and the month the losses began
What a chart is not	Not a CA, not a SEBI-registered adviser and not a lawyer; money decisions go to them
Session on Kismo	From ₹15 a minute, 5 free minutes in the first session, online from anywhere in India and abroad

What gets checked

What does an astrologer check when a business is in loss?

The 2nd house and its lord. Brihat Parashara Hora Shastra 11.3 reads the 2nd for wealth and family, so a weak or afflicted 2nd is the first place astrologers look ¹.
The 7th and 11th houses. BPHS 11.8 puts trade in the 7th, and 11.12 puts sources of gain and income in the 11th ¹.
The 12th house. BPHS 11.13 reads the 12th for expenditure and losses, and a strong 12th lord linked to the 2nd or 11th is read as money going out faster than it comes in ¹.
The lords of the 6th, 8th and 12th. BPHS 42.13 says planets joined with these lords, without a trine lord's aspect, give loss of wealth in their own dashas ³.
The running dasha and sub-period. BPHS 41.16 ties wealth to the dashas of the 5th and 9th lords, so the astrologer asks which period the losses began in ².
Transits of Saturn and Jupiter from the Moon, which many astrologers use to say whether a heavy phase is starting or ending.

Situations

Which situation is yours?

Partnership Business in Loss: Ask an Astrologer
When a partnership is losing money, the astrologer reads your 7th house and, if possible, your partner's chart, and the law decides how losses are shared.
Business Loss After Expansion: Ask an Astrologer
Losses after an expansion are read against the period the expansion was started in, and checked against the cash it locked up.
Business Loss in Sade Sati: Ask an Astrologer
A business loss during sade sati turns on which phase you are in and which sign Saturn occupies, not on the 7.5 years as one block.
Close or Continue a Loss-Making Business? Astrologer
Close or continue is a decision only you can make, with a CA and the numbers; the chart is read as one input on timing.

By the numbers

How late can a business loan be before the bank treats it as stressed?

A business loan is treated as stressed once an instalment is 31 days overdue, under the Reserve Bank of India's framework for MSMEs ⁷. The stages below come from that framework, which covers loan limits up to ₹25 crore ⁷.

Stage	What it means	What the bank does
SMA-0	Not overdue more than 30 days, but showing signs of stress	Watches the account ⁷
SMA-1	Principal or interest overdue 31 to 60 days	Can start a corrective plan ⁷
SMA-2	Overdue 61 to 90 days	Must send the account to a committee ⁷
Your own request	Net worth down 50% from losses, or failure feared	You can apply to the committee yourself ⁷

The committee chooses between rectification, restructuring and recovery, and decides within 30 days of its first meeting ⁷. Applying early, before SMA-2, keeps more options open.

What people call it

What is business loss called in Hindi and other Indian languages?

Business loss is most often called vyapar mein ghata or business mein nuksan in Hindi. People typing in Hinglish search for business me loss ho raha hai kya kare.

Language	In script	Transliteration
Hindi	व्यापार में घाटा	vyapar mein ghata
Hindi	व्यापार में हानि	vyapar mein hani
Hindi and Urdu, spoken	बिजनेस में नुकसान	business mein nuksan
Sanskrit term in texts	धन हानि	dhana hani, loss of wealth

Where the rule comes from

Which classical texts link houses and planets to losing money?

Brihat Parashara Hora Shastra gives the house list that every money reading starts from, in chapter 11 ¹. Verse 3 reads the 2nd for wealth, verse 8 the 7th for trade, verse 12 the 11th for gains and verse 13 the 12th for losses ¹.

The same text has a full chapter on poverty, chapter 42 on daridra yoga ³. Its rules mostly involve the ascendant lord in the 6th, 8th or 12th, a debilitated 2nd lord, or Mars and Saturn in the 2nd ³.

Phaladeepika builds its daridra yoga differently. Chapter 6, sloka 57 forms twelve yogas from each house lord sitting in the 6th, 8th or 12th, and the 11th in that list, daridra, is read as being loaded with debts ⁴. So the two texts disagree on which house matters most.

Text and chapter	Main houses for wealth	Main rule for loss	Source
BPHS 11	2nd wealth, 7th trade, 11th gains	12th for expenditure and losses	¹
BPHS 41 (dhana yoga)	5th and 11th; the 5th and 9th lords	Wealth judged by weighing benefics and malefics	²
BPHS 42 (daridra yoga)	2nd lord and ascendant lord	Ascendant lord in the 6th, 8th or 12th; Mars and Saturn in the 2nd	³
Phaladeepika 6	Every house lord	11th lord in the 6th, 8th or 12th: daridra; 2nd lord there: nihsva	⁴

BPHS also writes its own cancellation into the loss rule. Verse 42.17 says Mercury's aspect on Mars and Saturn in the 2nd creates great wealth instead ³.

How common it is

How many charts have a classical loss combination?

About 6 charts in 10 have at least one money lord in the 6th, 8th or 12th house. The shares come from 20,000 random births cast for Delhi, 1960 to 2005, calculated from public astronomical data with the open-source astronomia library, Lahiri sidereal, whole-sign houses.

Combination	Share of charts
11th lord in the 6th, 8th or 12th (Phaladeepika's daridra) ⁴	24.3%
2nd lord in the 6th, 8th or 12th (Phaladeepika's nihsva) ⁴	24.3%
Either of the two	39.7%
At least one of the 2nd, 7th, 10th or 11th lords there	60.2%
Mars and Saturn together in the 2nd (BPHS 42.16) ³	0.9%
5th and 9th lords in one sign (BPHS 41.16 wealth rule) ²	11.7%

Real closures are far rarer than these chart shares. India's MSME ministry told the Rajya Sabha that 35,567 Udyam-registered enterprises closed in 2024-25 up to 28 February, out of 6.05 crore registered ⁵. Closures were 19,828 the year before ⁵.

Companies that go to insolvency are often rescued. Of 7,301 insolvency cases closed under the IBC by June 2026, about 58% ended in a resolution plan, appeal, settlement or withdrawal, and 3,074 in liquidation ⁶.

Before and after the session

What should I do about a business loss besides reading my chart?

A business loss needs the numbers checked first, because a chart reading cannot see your cash flow. These steps sit next to an astrology session, not after it.

Ask a chartered accountant to separate a cash shortage from a real loss: margins, receivables, stock and fixed costs.
If a bank or NBFC loan is falling behind, talk to the lender before 61 days overdue, when the account must go to a committee ⁷.
If the lender treats you unfairly and does not reply within 30 days, the RBI Ombudsman takes complaints free at cms.rbi.org.in ⁸.
If money was lost to an online fraud, call the cyber fraud helpline 1930 as soon as possible ¹⁰.
If the stress feels like too much, Tele-MANAS 14416 is a free, 24x7 mental health line ⁹.

A session, step by step

What happens in a consultation about business losses?

A business losses consultation usually moves from your birth details to dates in the business. This is an example of how many astrologers structure it, not a real client's chat.

The astrologer asks for your birth details and the dates the business opened, expanded or took a partner.
The astrologer reads the 2nd, 7th, 11th and 12th houses and their lords.
The astrologer lines up the month the losses began with your dasha and sub-period.
The astrologer looks at Saturn and Jupiter in transit and says how the texts read the coming months.
You ask follow-up questions; decisions about loans, closing or selling stay with your CA and bank.

Myths and facts

What do people get wrong about this?

Belief: A daridra yoga in my chart means my business is doomed.

About 1 chart in 4 has the 11th lord in the 6th, 8th or 12th, Phaladeepika's daridra ⁴, by the calculation above. BPHS lists cancellations in the same chapter as the poverty rules ³.

Belief: A costly puja or a money yantra can stop a business loss.

No classical rule cited here promises that a paid ritual reverses losses. BPHS 42.17 cancels a loss rule through a planet's aspect, not a purchase ³. Get a second opinion before paying for any ritual.

Belief: If the chart is good, the business cannot lose money.

BPHS 41.17 says wealth combinations are judged by weighing benefics, malefics and their strength ². A good yoga does not replace pricing, costs or a working market.

Before you pay anyone

How do you know an astrologer is genuine?

Every Kismo astrologer passes four steps: qualification review, panel interview, live audits of real sessions, 30-day probation.
Nobody can guarantee an outcome. Treat any promise of a fixed result as a red flag.
Never pay for an expensive puja or ritual under pressure. Get a second opinion first.
On Kismo you only pay for the minutes you use; misconduct, pressure or a request for money outside the app is handled by a person.

How we verify astrologers · How these pages are written

Astrologers for this

Which astrologers can I talk to about business losses?

Mariyammal k
Vedic Astrology, Prashna Astrology · 4 yrs
Tamil
★ 5.0 · 5,999 orders · ₹25/min
Sarvesh Nigam
Life Coach, Numerology · 1 yrs
Hindi
★ 4.9 · 5,999 orders · ₹20/min
Shri nath guru ji
Vedic Astrology, Prashna Astrology · 8 yrs
Hindi
★ 4.9 · 5,992 orders · ₹20/min
Rishabh Pharswan
Vedic Astrology, Life Coach · 5 yrs
English, Hindi
★ 4.5 · 5,991 orders · ₹25/min
Chhaya yadav
Vedic Astrology · 3 yrs
Hindi
★ 4.5 · 5,989 orders · ₹25/min

Talk to Mariyammal Get it on Google Play

How it works

How does a consultation on Kismo work?

Log in on kismo.app or get the app from Google Play.
Pick an astrologer who speaks your language and works with your question.
Share your date, time and place of birth.
Ask by chat or call. The first session carries 5 free minutes, then each minute is billed from your wallet.

Questions worth asking in the session

Which dasha and sub-period started around the month my losses began?
How strong are my 2nd, 7th and 11th lords, and is any of them in the 6th, 8th or 12th?
Is my business or my partner's chart more relevant to this loss?
When does Saturn's transit over my Moon sign begin or end?
Which simple, free practices do you suggest, and which would you avoid?
What would you check before I take a new loan or put in more money?

Before you book

What should I know before booking a session about business losses?

Question	Answer
What does a session cost?	Each astrologer sets one rate for chat and call, from ₹15 a minute. A 10-minute session at ₹15 a minute costs ₹150 (October 2026).
Is the first session free?	5 free minutes on the first session, no card.
Chat or call?	Both. You choose when you start the session.
Do I need an exact birth time?	It helps. Without one an astrologer can still read your Moon sign and planets by sign, or work out the time with you.
Is my chat private?	Your chat is not shown to other clients. How Kismo handles your data is set out in its privacy policy at kismo.app/privacy.
What if I am not happy?	There is no refund for a reading you did not like. Misconduct, pressure or a request for money outside Kismo is handled by a person.
Where does it work?	Online, from anywhere in India and abroad. People use Kismo from 80+ countries.

What else do people ask an astrologer about?

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FAQ

Questions people ask

Is Saturn the planet behind my shop or company running at a loss?

No, Saturn is not the only planet behind business loss in Vedic astrology. Astrologers read the lords of the 2nd, 7th, 11th and 12th houses, and the classical poverty rules name Mars and Saturn in the 2nd, or planets joined with the 6th, 8th and 12th lords. Saturn is blamed most often in popular belief, but its result depends on its sign, house and the period you are running.

Which house in the kundli is for business?

The 7th house is the main house for business and trade in Vedic astrology, with the 10th for work and the 11th for gains. Brihat Parashara Hora Shastra reads the 7th for trade and the 11th for income and increase. The 2nd shows the wealth you keep, and the 12th shows what goes out, so astrologers read all of them together.

Why is my business in loss even though I work hard?

Hard work alone does not fix a business loss when the cause is pricing, costs, a falling market or unpaid bills, so start with a CA's look at the accounts. Astrologers add a second view: whether a heavy dasha or Saturn transit coincides with the slump. That reading can help you plan, but it does not replace a fix in the business itself.

Business me loss ho raha hai, kya karen?

Pehle hisaab dekhein: ek CA se pata karein ki ghata cash ki kami hai ya asli nuksan. Loan pichhe chal raha hai to 61 din se pehle bank se baat karein. Kundli mein astrologer 2nd, 7th, 11th aur 12th bhav aur chal rahi dasha dekhte hain. Mehenge upay ke liye dabav ho to doosri raay lein.

Can astrology tell when my business will improve?

Astrology cannot promise a date, but astrologers read periods that the texts link to wealth, such as the dashas of the 5th and 9th lords and Jupiter's transit. They then say which months look lighter or heavier in your chart. Use that as one input for planning, and base money decisions on your accounts and a CA's advice.

Is it a red flag if an astrologer asks for money for a puja to remove business loss?

Yes, pressure to pay for a costly puja, yantra or wealth vashikaran to remove business loss is a red flag. Nobody can promise what a ritual does, and simple, free practices come first in most traditions. On Kismo, misconduct such as pressure or asking for money outside the app is handled by a person. Get a second opinion before paying for any ritual.

What does a reading on my business losses cost on Kismo, and how is it billed?

A session about business losses on Kismo costs the astrologer's per-minute rate, from ₹15 a minute, and the first session has 5 free minutes with no card needed. You pay from a wallet with a minimum top-up of ₹100. Only the minutes you use are charged, and the rest stays in your wallet.

Should I take an astrologer's advice on loans or investments for my business?

No, take loan and investment decisions to a chartered accountant, your bank or a SEBI-registered adviser, not to an astrologer. A chart reading is not financial advice and cannot see your balance sheet. Many people use astrology for timing and reflection, then make the money decision with the professional who knows the numbers.

Where can I talk to an astrologer about my business losses online?

You can talk to an astrologer about business losses on Kismo, where verified Vedic astrologers read your 2nd, 7th and 11th houses and your dasha by chat or call. Kismo is an app where you talk to verified Vedic astrologers by chat or call, in 16 languages. It works online from anywhere in India and abroad.