Business losses

Close or continue a business in loss: talk to an astrologer as one voice among several

Whether to shut a loss-making business or keep going is a decision only the owner can make, and a chart reading is one input next to the accounts, the bank and the law.

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Updated 2026-11-02

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Two years of losses in my company. My CA says the numbers are weak, my family says wait. Should I shut it down?

That choice stays with you and your CA. What I can do is read the dasha you are in and the coming sub-periods. Please share your birth details and the month the losses began.

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Example of a consultation about business losses on Kismo

Short answer

Whether to close or continue a business in loss is your own decision, made with a chartered accountant and your numbers; no chart can make it for you. An astrologer reads the dasha you are in and the months ahead as one view on timing, and India offers paths in between, such as bank restructuring for MSMEs ². 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
The situation	The business has been losing money and you are weighing closing it against carrying on
Who decides	You, with a CA, your lender and, for a company, a lawyer or insolvency professional
What an astrologer adds	A reading of your current dasha and the coming sub-periods, as one view on timing
Options in between	Rectify or restructure with the bank, a pre-pack for MSME companies, a sale, or a planned closure ²³
What to bring	Birth date, time and place, the date the business started and the month losses began
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 I am deciding whether to close my business?

The dasha and sub-period you are in now, and when each ends. Brihat Parashara Hora Shastra 42.13 links loss of wealth to the periods of planets joined with the 6th, 8th or 12th lords ¹.
Whether a period linked to gains is near. BPHS 11.12 reads the 11th house for gains and income, so astrologers look at when the 11th lord's period or sub-period comes ⁴.
The 12th house and its lord, which BPHS 11.13 reads for expenditure and losses ⁴.
A prashna chart, if your birth time is unknown. Many astrologers cast a chart for the moment the question is asked.
What you are ready to hear. A careful astrologer reads timing and leaves the close-or-continue choice with you.

Your situation

What changes the answer when I am deciding to close or continue?

Whether the business covers its running costs. A business short on cash but earning more than it spends is a different case from one losing on every sale.
Whether it is a company, a firm or a proprietorship. The insolvency and closure routes in India differ for each, so ask a CA which apply.
How much debt is secured on your home or backed by your personal guarantee. That shapes what closing costs you personally.
Whether the bank account is still regular. Talking to the lender before it falls far behind keeps more doors open ².

By the numbers

How long do insolvency and liquidation take in India?

Insolvency in India took 744 days on average from start to an approved resolution plan, counting cases to March 2026 ³. These are the averages in the regulator's April-June 2026 newsletter, including time the courts excluded ³.

Process	Average days, to March 2026
Insolvency start to approved resolution plan	744 ³
Insolvency start to liquidation order	534 ³
Liquidation start to dissolution order	826 ³
Voluntary liquidation start to dissolution order	738 ³

These timelines are why many owners look at a settlement or restructuring before any formal process. By June 2026, 1,333 insolvency cases had been withdrawn after the creditors agreed ³.

The real-life side

What are the options in India besides simply shutting a loss-making business?

An MSME with a bank loan of up to ₹25 crore can ask its lender's committee for rectification, restructuring or recovery under the RBI's revival framework ². Restructuring is open to accounts that look viable and to borrowers who are not wilful defaulters ².

MSME companies also have a pre-packaged insolvency route, where the owners keep running the business while creditors approve a plan ⁵. It must finish within 120 days of admission ⁵. By June 2026, 18 such cases had been admitted and plans approved in 11 ³.

Route	Who it fits	Key rule	Source
Rectification with the bank	An MSME account under stress	Ad hoc working capital generally limited to six months	²
Restructuring with the bank	A viable MSME, not a wilful defaulter	Put in place within 90 days of the decision	²
Pre-packaged insolvency	An MSME company in default	Owners stay in charge; 120-day limit	⁵
Voluntary liquidation	A solvent company closing in order	2,684 started, 2,090 final reports filed by June 2026	³

A Kismo astrologer can read the period you are in and talk through how you feel about the choice. An astrologer cannot value the business, negotiate with the bank or say which route is legal for you; a CA, a lawyer or an insolvency professional does.

Questions for your CA

What should I settle with my CA before deciding to close or continue?

Settle the numbers with your CA before the decision, because they answer questions a chart cannot. These are the questions many owners and CAs go through.

Does the business earn more than its direct costs on each sale, before rent and salaries?
How many months can it run on the cash and credit you have now?
How much is owed to you, and how much of it can realistically come in?
Which debts are secured, which are personal guarantees, and what does each route cost you?
Is there a buyer, a partner or a smaller version of the business worth keeping?
If you continue, what number by what date would make you stop?

If the decision feels too heavy to carry, Tele-MANAS on 14416 is free and runs 24x7 ⁶. Talking to someone is part of deciding well.

A session, step by step

What happens when I ask an astrologer whether to close my business?

A close-or-continue consultation usually ends with a reading of timing, not a verdict. This is an example of how many astrologers structure it, not a real client's chat.

The astrologer asks what your CA has said and what you are leaning towards.
The astrologer reads your current period and sub-period and when they change.
The astrologer says how the texts read the coming months, without promising an outcome.
You talk through what the timing means for the plan you and your CA are weighing.
The decision stays with you; the astrologer may suggest a second opinion on anything you find unclear.

Myths and facts

What do people get wrong about this?

Belief: An astrologer can tell me for certain whether my business will recover.

No classical rule gives a certain outcome. BPHS 42.13 describes when loss of wealth is read as likely, not that it is fixed ¹. Recovery depends on the numbers and your choices too.

Belief: Closing a business in India always means years in court.

Many closures never reach a court, and owners use settlements or bank restructuring first. Formal processes do take time, which is why a CA's early advice matters.

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
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
Shubham Bhandari
Vedic Astrology · 2 yrs
English, Hindi, Punjabi
★ 4.5 · 5,989 orders · ₹30/min
Ramu
Vedic Astrology · 25 yrs
Hindi, English
★ 4.6 · 5,989 orders · ₹20/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 period and sub-period am I in, and when does each end?
How do the texts read the next twelve months in my chart?
Is anything in my chart pointing to a gain period soon, in your reading?
If my birth time is unsure, would you use a prashna chart?
What would you want me to check with my CA before I decide?

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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How does Kismo compare with other apps?

FAQ

Questions people ask

How long should I keep a business running at a loss before closing it?

There is no fixed number of months; the answer depends on how long your cash lasts and whether the business covers its direct costs. Set a clear limit with your CA, such as a sales figure by a date, and review it then. An astrologer can read your period for timing, but the limit comes from the numbers.

Should I close my business and get a job instead?

Only you can decide whether to close your business and take a job, ideally after your CA has checked the numbers and debts. Many people weigh income security, family needs and how much they still believe in the business. An astrologer may read your career houses and current period as one more view.

Can an astrologer tell me whether to sell or close my business?

A good astrologer will not decide whether you sell or close; that rests on valuation, buyers and debts, which a CA handles. An astrologer can read your current dasha and the coming months, so you can think about timing. Be careful with anyone who gives a firm verdict on your business from the chart alone.

Is there a way to save my MSME company without shutting it?

Yes, there are routes before shutting an MSME company. Your bank can consider rectification or restructuring for a stressed account, and an MSME company in default can use the pre-packaged insolvency route, where the owners keep running it while creditors approve a plan. A CA or insolvency professional can tell you which fits.

An astrologer says close the business or my family will suffer. Is that a red flag?

Yes, a fear-based verdict about your family is a red flag, and so is pressure to buy remedies before you decide. Get a second opinion. On Kismo, misconduct such as pressure or asking for money outside the app is handled by a person, and after a session the app suggests up to three other astrologers.

How does talking to an astrologer about my business work on Kismo?

You pick an astrologer, share your birth details and the business dates, and talk by chat or call. Kismo is an app where you talk to verified Vedic astrologers by chat or call, in 16 languages. Rates start at ₹15 a minute, the first session has 5 free minutes, and only the minutes used are charged.

I feel like a failure for even thinking of closing. Is that normal?

Yes, many owners feel shame or grief when a business struggles, and it says nothing about your worth. Closing or changing course is a business decision, not a verdict on you. If the feeling becomes heavy, call Tele-MANAS on 14416, free and open day and night, and talk to someone you trust.