12. O excellent of the Brahmins, if the 12^th from Lagn Pad does not receive a Drishti, as the 11^th from Lagn Pad receives a Drishti from a Grah, then the gains will be uninterrupted.

13-15. O Brahmin, the quantum of gains will correspond to the number of Grahas in, or giving a Drishti to the 11^th from Lagn Pad. If there is Argala for the said 11^th, there will be more gains, while a benefic Argala will bring still more gains. If the said benefic, causing Argala is in his exaltation Rasi, the gains will be still higher. If the said 11^th receives a Drishti from a benefic from Lagn, the 9^th etc., gains will increase in the ascending order. In all these cases, the 12^th from Pad should simultaneously be free from malefic association. A benefic, placed in Lagn, giving a Drishti to the 11^th from Arudh Lagn will be still beneficial. If the Drishti is from the 9^th from Lagn, it will confer much more gains.

16-17. Pad and Financial Losses (up to Sloka 21). If the 12^th from Lagn Pad receives a Drishti from, or is yuti with both benefics and malefics, there will be abundant earnings, but plenty of expenses. The benefic will cause through fair means, malefic through unfair means and mixed Grahas through both fair and unfair means.

18. If the 12^th from Lagn Pad is conjunct Surya, Sukr and Rahu, there will be loss of wealth through the king. Candr, giving a Drishti to (the said trio in the said Bhava), will specifically cause more such losses.

19. If Budh is in the 12^th from Lagn Pad and is yuti with, or receives a Drishti from a benefic, similarly there will be expenses through paternal relatives. A malefic so related to the said Budh will cause loss of wealth through disputes.

20. O Brahmin, if Guru is in the 12^th from Lagn Pad, receiving a Drishti from others, the expenses will be through taxes and on the person himself.