Indu Lagna Decoded: The “Billionaire Point” in Your Chart

By Bavishyavani Research Team | Wealth Division Updated: January 21, 2026

Let’s be honest. You have checked your 2nd House (Money). You have checked your 11th House (Gains). You have Jupiter in a good spot. So… Why aren’t you a millionaire yet?

Because standard astrology often misses the “Hidden Lock” of wealth. There is a specific mathematical point in your chart that determines Financial Prosperity independent of your job or career. It is called the Indu Lagna (The Moon Lagna of Wealth).

This is the secret technique used by ancient sages to predict who would be a King and who would be a Beggar. If you want to know:

1. If you are destined for massive wealth.

2. When that wealth will arrive.

3. How it will come (Luck vs. Hard Work).

Then you need to stop looking at your Ascendant and start looking at your Indu Lagna.

Part 1: What is Indu Lagna?

The word “Indu” means Moon. The word “Lagna” means Ascendant. But don’t be confused. This is not just your Moon Sign.

Indu Lagna is a calculated point derived from the 9th House (Luck) from the Ascendant and the 9th House from the Moon. It combines your Destiny (Lagna) and your Mind (Moon) to find the “Sweet Spot” where prosperity manifests.

Why is it different?

• 2nd House: Shows your Bank Balance (Savings).

• 11th House: Shows your Salary (Income).

• Indu Lagna: Shows your Financial Status.

  • If you have a strong Indu Lagna, you could be unemployed and still live in luxury (Inheritance/Luck).

  • If you have a weak Indu Lagna, you could work 18 hours a day and still struggle to pay bills.

Part 2: How to Calculate Indu Lagna (The 3-Step Formula)

This requires a tiny bit of math, but don’t panic. It is simple addition. We use a special system called “Kala” (Rays) assigned to each planet.

The Planetary “Kala” (Value) Table

Memorize these numbers. They are the keys to the vault.

• Sun: 30

• Moon: 16

• Mars: 6

• Mercury: 8

• Jupiter: 10

• Venus: 12

• Saturn: 1

The Calculation Steps

Step 1: Find the 9th Lord from Lagna. Look at your Ascendant. Count to the 9th House. Who is the Lord? Note its Value.

Step 2: Find the 9th Lord from Moon. Look at your Moon Sign. Count to the 9th House from there. Who is the Lord? Note its Value.

Step 3: Add and Divide.

• Add the two values together.

• Divide by 12.

• Take the Remainder.

• Count that Remainder number from the Moon Sign.

• That House is your Indu Lagna.

  • (Note: If the Remainder is 0, treat it as 12).

Real Life Example (Let’s Do It Together)

The Profile:

• Ascendant: Virgo.

• Moon Sign: Aries.

Step 1: 9th from Lagna (Virgo)

• Count 9 signs from Virgo -> Taurus.

• Lord of Taurus is Venus.

• Value of Venus = 12.

Step 2: 9th from Moon (Aries)

• Count 9 signs from Aries -> Sagittarius.

• Lord of Sagittarius is Jupiter.

• Value of Jupiter = 10.

Step 3: The Math

• Add: 12 (Venus) + 10 (Jupiter) = 22.

• Divide: 22 / 12.

  • 12 goes into 22 one time.

  • Remainder is 10.

• The Count: Count 10 Houses from the Moon Sign (Aries).

  • Aries(1) -> Taurus(2) … -> Capricorn(10).

Result: The Indu Lagna is Capricorn.

Part 3: Decoding Your Wealth Potential

Now that you have your Indu Lagna sign, look at the planets sitting in it or aspecting it. This is the “Billionaire Code.”

The “Crorepati” Yogas (Planets in Indu Lagna)

1. Exalted Planets: If any planet is Exalted in your Indu Lagna, you are destined for massive wealth.

• Example: Jupiter Exalted in Cancer in Indu Lagna.

• Result: Multi-Millionaire status. Wealth comes easily and ethically.

2. Benefics (Jupiter, Venus, Mercury, Moon): If unchecked Benefics sit here, you will be rich without hard labor.

• Venus: Luxury wealth. Fashion, Art, Real Estate.

• Jupiter: Banking, Wisdom, Consulting.

• Mercury: Trading, Business, Tech.

3. Malefics (Saturn, Mars, Rahu, Sun): Do not be scared. Malefics in Indu Lagna also give wealth, but it comes through Hard Work or Ruthlessness.

• Saturn: Huge wealth through Industry, Mining, or tedious work. But it comes late (after 36).

• Mars: Wealth through Real Estate, Surgery, or Litigation.

• Rahu: Sudden, explosive wealth (Crypto/Gambling). But unstable.

4. The “Empty” Indu Lagna: If there are no planets, look at the Lord of the Indu Lagna.

• Is the Lord exalted?

• Is the Lord sitting in a Kendra (1, 4, 7, 10) or Trikona (5, 9)?

• If yes, the wealth is still guaranteed.

Part 4: The “Dhana Yoga” Check (The Multiplier)

The Indu Lagna doesn’t work alone. It acts as a multiplier.

The Golden Rule: If a planet is a Yogakaraka for your chart AND sits in the Indu Lagna, the result is exponential.

• Example: For Libra Ascendant, Saturn is the Yogakaraka (Best Planet).

• Scenario: If Saturn sits in the Indu Lagna, this person will be an Industrial Tycoon.

• Contrast: If a “Bad Planet” (like Jupiter for Libra) sits in Indu Lagna, they will be rich, but they might have health issues or family problems along with the money.

The “11th from Indu Lagna”: Also check the 11th house from the Indu Lagna. If Benefics are there, the income flow is permanent. If Malefics are there, the income fluctuates.

Part 5: Timing Your Wealth (When Will I be Rich?)

This is why we calculate it. To know When. Wealth unlocks when you run the Dasha of the planets connected to the Indu Lagna.

1. Vimshottari Dasha:

• You will make the most money during the Mahadasha or Antardasha of:

  • The Planet sitting in Indu Lagna.

  • The Planet ruling the Indu Lagna.

  • The Planet aspecting the Indu Lagna.

2. Transits (Gochar):

• When Jupiter transits over your Indu Lagna -> Windfall Year.

• When Saturn transits over your Indu Lagna -> Hard Work Year (Wealth comes, but with sweat).

• When Rahu transits over your Indu Lagna -> Speculative Gain (Lottery/Stock spike).

Case Study:

• Indu Lagna: Gemini.

• Planet in IL: Mercury.

• Prediction: The person will see a massive financial jump during the Mercury Dasha.

• Transit: When Jupiter enters Gemini (once every 12 years), they will have their “Best Financial Year.”

Part 6: Action Plan (Activating the Code)

If your Indu Lagna is weak (e.g., Debilitated planet inside), you need to fix it.

1. Strengthen the Lord:

• Find the Lord of your Indu Lagna.

• Wear the gemstone associated with it (only if it is a functional benefic).

• Chant the Mantra of that planet.

• Logic: If Indu Lagna is the “Bank,” the Lord is the “Bank Manager.” Make him happy.

2. The “Full Moon” Ritual:

• Since Indu means Moon, this point is sensitive to the Moon cycles.

• On Purnima (Full Moon), meditate on your Indu Lagna sign. Visualize wealth entering that specific house of your chart.

3. Align Your Career:

• Does your job match your Indu Lagna?

• If Indu Lagna is Scorpio (Mars/Ketu) and you are a Kindergarten Teacher (Mercury), you are blocking the wealth flow. You should be in Research, Insurance, or Occult.

Conclusion: The Map to the Treasure

Your chart is a map. The Ascendant is “You.” The 10th House is “Work.” But the Indu Lagna is the “X” that marks the treasure.

Stop asking generic questions like “Will I be rich?” Calculate your Indu Lagna. See which planet holds the key. And wait for his Dasha. When the time comes, be ready to catch the rain.

Om Tat Sat.

FAQ: 

Q: Can Indu Lagna predict Lottery wins? A: Yes. If Rahu is in the Indu Lagna or aspecting it, and the 5th House is also involved, sudden speculative gains are highly likely during the Rahu Dasha.

Q: What if my Indu Lagna has no planets? A: This is very common. Look at the Lord of the Indu Lagna. Where is he sitting? If the Lord is in the 1st, 2nd, 4th, 5th, 9th, 10th, or 11th from the Lagna… you are safe. If the Lord is in 6, 8, 12… you have to work very hard for wealth.

Q: Is Indu Lagna better than Hora Lagna? A: They work together.

• Indu Lagna: The Potential for Wealth. (The Destiny).

• Hora Lagna: The Act of Making Money. (The Cashflow).

• If Indu Lagna is strong but Hora Lagna is weak, you have assets (like a big house) but no cash.

• If Hora Lagna is strong but Indu Lagna is weak, you have high cash flow but zero savings.

Q: Does Indu Lagna change with time? A: No, it is a fixed point based on your birth data. However, its activation changes based on Transits and Dashas.

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