By
Karan Khanna, India
Karan Khanna is a student of
Mechanical Engineering at the
Indian Institute of Technology,
Hyderabad. He has been studying
Vedic Astrology for the past 4 years
and is also interested in Palmistry,
Ayurveda and Yoga. He has stated
that he feels proud to be a part of
Saptarishis Astrology, which is
doing a great service for mankind.
Editor: Yenbeeyes
R atnakar means ocean and the
book Jyotish Ratnakar is indeed
an ocean of astrological
knowledge. Written by a great master of
astrology, the Late Devakinandan Singh,
the book is a diamond amongst
astrological gems. The book is a single
hand creation of its author and is written
in easy Hindi. The author was a student
of F.A. and in his student life he received
many incorrect predictions from
different astrologers. He began losing
faith in astrology and conveyed the same
to his father. His father was highly
religious minded, a pure hearted person
and firm believer of Shastra and Puran.
His father told him that it is wrong to
show disbelief in the knowledge of seers
and advised him not to commit the
mistake of considering Jyotish to be false.
This advice left an impression on his
mind and afterwards the author decided
that it was not intelligent to criticize a
subject without its complete knowledge.
The author of the book was
introduced to astrology in 1898. After
only a little study, his devotion for the
science increased. The author was not
fortunate enough to receive the knowledge directly from a scholar and had to rely on self-
study alone. But the benefit of this was that he was free to assimilate any knowledge only
after proper reasoning, contemplation and confirmation. The result was that he realized
that Jyotish is not only true but also the highest truth, deep and palatable. His study of
Jyotish was only out of the curiosity of facts and he never thought of commercializing it.
After obtaining proficiency in astrology he realized that all his efforts would be in vain if
he just kept the knowledge to himself. In 1987 he decided to combine the knowledge he
had gathered over his lifetime with charts of great personalities and present it to the
world in the form of book.

Just like a diamond, the book throws light on several important facets of life. The
book is broadly divided into two parts- Ganita and Phalita. In the Phalita part, the life of
man is divided into eight waves and then each of them is considered from an
astrological point of view. These eight waves can be roughly titled as Birth/Longevity,
Parents/Relatives, Education/Knowledge, Marriage/Spouse, Progeny, Profession/
Wealth, Spirituality and Death.

The current article presents the third wave which deals with education and
learning of the native. Education is the most important aspect of life in todays world.
This is clearly visible by the level of competitiveness and the large amounts spent on it.
Good education gives good jobs as well as respect in society.

In this article, an effort is made to present the enormous amount of information in

the book in a systematic, precise and reader friendly fashion. An astrological rule or yoga
is mentioned, which is followed by case studies and it is shown how the rule applies to
each case. To avoid any mistakes or confusion the article is written verbatim.

Third Wave
In this wave, the subjects related to a natives learning, arts, skills, etc. have been
written. In olden times, children in this state were sent to the Gurus Ashrama for
academic study. Then, after finishing Samarvartanam1, and getting married, he used to
enter into the life of Grihastha Ashrama. But its a matter of grief that that now the
world has turned upsidedown, however some style of gaining knowledge has remained
unaltered.

From the fourth house, contemplation is done for learning and for intelligence from
the fifth house. There is a close relationship between learning and intelligence.
From the tenth house, contemplation is done about success obtained due to learning.

1The Samavartana also known as Snna, is a sacramental ritual that was performed at the close of the Brahmacharya period
and marked the end termination of the student life. It signifies a person's entry into grihastashrama.
 Due to this, contemplation about passing or not passing exams in University is made
from the tenth house and about intelligence, etc. is made from the fifth house. Learning is
of several types, for example Literature, Grammar, Mathematics, Law, Astrology,
Spiritual Science, Philosophy, Poetry, etc.
Contemplation for Veda, Vedanta, Grammar and Astrology is done from Jupiter.
Medicine from Mercury.
Art of singing, the power of giving impressive lectures and literature from Venus.
Contemplation for law and mathematics is done from Mars.
In the same way, contemplation for (knowledge of)Vedanta is done from the Sun,
Medicine from the Moon and
Knowledge of foreign science from Rahu and Saturn.
Contemplation of wisdom and erudition is done from the position of Mercury
And that of uncertainty and power of imagination from position of Venus in the
horoscope, and that of development of learning from Jupiter.
Again, from the second house, fourth house and ninth house the same things are
worked out.
From the second house contemplation on proficiency, dexterity, etc. in learning is
done.
From Mercury, power for studying and power of grasping, and from ninth house and
Moon, efficiency in poetry, religious matters, spiritual knowledge, etc. are
contemplated. From Saturn, ninth, and twelfth house contemplation is done about
knowledge. From Saturn, contemplation of English and foreign languages is also done.
Keep in mind that from Jupiter (also), if there is a relationship with the second, third,
fourth, and ninth house through Mercury then there is excellence in learning.

Rule 1: If Fifth lord either from Janma Lagna or Chandra Lagna or from both if associated
(means conjunction, aspect etc.) with Mercury, Jupiter, Venus singly or in combination and/or
placed in Kendra, Trikona or the 11th house then the person becomes a great scholar.

Jagadguru Shankaracharya
Lagna - 3 17 Sun - 0s 11 28 7 Moon 1s 10 4 54 Mars 4s 7 58 3
Mercury - 0s 15 35 10 Jupiter - 3s 3 36 12 Venus - 0s 5 0 25 Saturn 6s 8 7 14
Rahu 10s 29 3 4

Lets look at Chart 1 of Jagadguru. It has been written above that contemplation of
proficiency, etc. in learning is done from the second house. In this horoscope, the second
lord, exalted Sun is in a Kendra i.e. in the tenth house. Again it is written that from the
fourth and ninth house also contemplation about learning is done. Fourth lord Venus,
who is the giver of scholarship, imagination, power and uncertainty, is also in the tenth
house and conjoins Sun. Again, the ninth lord from which contemplation of knowledge
especially spiritual knowledge is done, is exalted in a Kendra and fully aspects the ninth
and fifth house. Giver of intelligence, Mercury, is also along with Sun and Venus in the
tenth and Jupiter being in Lagna, the same Yoga is applicable. In the same way, Mercury,
the fifth lord from Moon is with Venus in Kendra from Lagna. And fifth lord from
Lagna, Mars is in a Kendra from the Moon. Hence, because of all these reasons, it is
deduced that Shankarcharyaji was a great and unmatched scholar of his time.

B. Suryanarayana
 According to all these same rules if the horoscope Chart 2 of B. Suryanarayana is
considered then it will be known that in the mentioned Kundli, the lord of the fourth
house (learning) conjoins with the lord of fifth house (intelligence) in the tenth i.e. place
of success due to learning. Again, Mercury is the lord of fifth and the second house also.
Mercury is significator of learning and Buddhisthana (fifth house) and second house are
significator of speaking power and according to Rule 1, being the significator of
scholarship, uncertainty and imaginative power is in tenth house along with Jupiter. And
the Sun is the fifth lord from the Moon and Mercury. The fifth lord from the Lagna is
both with Jupiter and in Kendra from Lagna. Hence, it is apparent that due to all these
beautiful yogas, he is considered to be a great scholar not only in entire India but also in
many other countries.

Sir Ashutoshji

Again, attention of readers is drawn to the horoscope Chart 3 of Sir Ashutoshji. In

this horoscope, the fifth lord Mercury is in the Lagna, the fourth and Lagna lord is in
second house and the second lord is in the Lagna and the lord of the second house is
Mercury. Saturn is the ninth and tenth lord and significator of the English language, is in
fifth house and fourth lord is aspected by Jupiter. Hence, he had erudition, proficiency
and excellence in learning. He was a great scholar of Bengal and head of a learning
center, which can be read in his brief biography.
Shri Krishnasinghji

Jyestha Gatarksha 45|13 (Elapsed duration of star Jyeshta 45 Gh. 13 Vi) Sarvaksha
57|32 (Full duration of star Jyeshta 57 Gh 32 Vi at the time of birth) Lagna- 5 1 Sun-
6s 4 31 Mars- 4s 11 Mercury- 6s 29 Jupiter- 6s 19 40 Venus- 4s 28 40 Saturn- 3s
15 35 Rahu- 3s 23 2

Look at Chart 4 of the authors younger brother, Bihar-keshar Babu Shri

Krishnasinghji. Mercury is in the second house and the fourth lord Jupiter is also along
with it. Mercury and Jupiter are in their own Navamsas viz. in Mithuna and Dhana
respectively. The fifth lord from the Lagna is Saturn in the eleventh and the fifth lord
from Moon is Jupiter is in second house along with Mercury. Due to the effect of these
yogas, people of Bihar province are very familiar with his exceptional power and
wisdom. He was known to lecture on some political issues in the Bihar Council,
submitting definite theories of scholars of several other countries for confirmation of his
opinion.

Babu Aghornath Banerjee

 Look at Chart 5 of Babu Aghornath Banerjee. In this horoscope, from the position of
second, fourth, ninth house, with Mercury and Jupiter, it is apparent that he was an
extremely good orator. Again, the fifth lord from Lagna is Mars and fifth lord from
Moon is Jupiter and are in the tenth and fourth house respectively. Because of this, his
extraordinary tactics in advocacy and his deep-thinking concerning justice, were drawn
on the criterion of learning and intelligence.

In a book named Sarvarth Chintamani it is written that if the significator of

learning, Jupiter, and the significator of intelligence, Mercury, are both conjoined (or
mutually aspect each other) as is the case in aforementioned Charts 2, 4 and 5, then the
native receives lots of respect in the Kings court and in public. It is apparent from simple
thinking that excellence of learning and intelligence definitely makes a native
respectable. If these two planets are well placed in the Navamsa, then results are
according to their harmony. But even by yoga alone, there is sharpness in the intellect of
a native.

According to aforementioned rules, if fourth lord is in Lagna or if Lagna lord is in

fourth house or Mercury is in Lagna and fourth house is powerful and is free from
aspects of evil planets then the native is successful in learning. If fourth lord is in fourth
and Lagna lord is in Lagna then also the native is successful in learning.

Keshavchandrasenji

Look at Chart 6 of late Keshavchandrasenji. The fourth lord Saturn is in the Lagna
and Mercury is also in the Lagna. Again, Mercury and Venus being in the Lagna bestow
power of thinking. The ninth lord is in the second house. Hence, he was highly
successful in learning and was a founder of a religious institution based on his thinking
and was an extraordinary person.

Rai Bahadur Suryaprasadji

Anuradha Sarvaksha 62|24 (Position of Nakshatra at the time of birth: Anuradha Full
duration 62 Gh. 24 Vi.) Gatarksha 50|2 (Elapsed portion of the Nakshtra 50 Gh 2 Vi)
Shane Dasha Bogy Varshadi 4|5|18 (Balance of Dasa at birth Saturn 4 Yr 5 m 18 d)
Sun- 7s 04 57 Moon- 7s 13 35 Mars- 7s 2 42 Mercury- 7s 25 14 Jupiter- 8s 9 57
Venus- 6s 14 51 Saturn- 6s 14 51 Rahu- 5s 8 12 Lagna- 8s 24 5

Rai Bahadur Suryaprasadji , lawyer in Bagalpur, who was also a government lawyer
for many days and who is nowadays visiting Kashi, in his Chart 7 the fourth lord Jupiter
is in his own house in Lagna and has a full aspect of exalted Saturn, the significator of
English language. Sun, Mercury and Moon, givers of spiritual knowledge, are in twelfth
or Parlokasthan (other world). He is B.A., B.L. and was an unmatched lawyer of
Bagalpur in his time.

Sir Ganesh Dutta Singh

Vargottam Sun- 9s 2 10 Moon- 4s 23 34 Vargottam Mars- 8s 27 0 Vargottam
Mercury 8s 28 0 Own House in Navamsa Jupiter 10s 15 0 Own House in Navamsa
Venus 10s 1 0 Uccha Navamsa Saturn 7s 10 6 Rahu 4s 17 0 Lagna 7s 17

In the same way, in Chart 8 of Sir Ganesh Dutta Singh, Minister of Local Self
Government, Bihar, ex-lawyer Calcutta and Patna High Court, fourth lord Saturn, the
significator of knowledge of other countries is in Makar (Capricorn). The Navamsa
lagna is in the Lagna and Jupiter, the second and fifth lord, is with Venus in the fourth
house.

Shri Shiv Kumar Shastriji

Sun- 10s 18 15 Mars- 1s 11 54 Mercury- 11s 2 16 Jupiter- 2s 17 18 Venus- 9s 11 37

Saturn- 10s 21 42

In Chart 9 of Shri Shiv Kumar Shastriji, the Lagna lord Jupiter is in the fourth and
the fourth lord Mercury is in Lagna. By the presence of a single yoga alone there is
success in learning but he has both of them. Keep in mind that Jupiter (retrograde), the
significator of learning, and Mercury, the significator of intelligence, have such a
relationship that they are placed in each others house. Mercury being in the Lagna alone,
gives success in learning. Even though Mercury is debilitated, it has Neecha Bhanga Raja
Yoga. Even then it is also observed that Mercury in the Lagna does not have any malefic
aspects. Again, the fifth lord Moon is in a Kendra and is also aspected by Jupiter. Hence,
due to effect of these yogas, Shastriji was an unmatched scholar of his time and had great
success in learning.
Vallabhacharyaji

Again, the attention of readers is drawn to Chart 10 of Vallabhacharyaji. In this rule it

has been written that learning is to be contemplated from Mercury, Venus, second,
fourth, ninth lord and Jupiter. In this horoscope, Mercury is in house of intelligence.
Venus, along with ninth lord Moon is in fourth house and exalted Jupiter is in ninth
house along with Lagna lord. The fifth lord from Lagna is Jupiter, the fifth lord from the
Moon is Mercury, and both are in a Trikona. Due to such beautiful placement of planets
he became a great scholar. Exalted Jupiter in the ninth took his intensity in learning
towards religious contemplation. Venus and the ninth lord, the Moon, placed in the
fourth gave imagination and poetry skills, and bent his inclination towards religious
thoughts so that he wrote 24 religious books and not novels. Mercury and Mars are
debilitated. Because he was born a long time ago it is impossible to say whether both of
these planets are in Ucchadi navamsha or not. But Mars has Neecha Bhanga Raj Yoga.

Vidhyasagarji
Nakshatra of Moon- Krittika Mars- Svati Venus- Ashlesha Sun- Hasta Mercury-
Uttara Phalguni Jupiter (retro)- Purva Bhadrapada Saturn- Satataraka Rahu- Hasta
Lagna- 8s 5

Please look at the Chart 11 of Vidhyasagarji. It is observed that the fourth lord Jupiter
has a full aspect on the fifth lord Mars and the tenth lord is in the tenth as well as
Mercury itself.

Rule 2: If fourth lord is in fourth house or if it has aspect of an auspicious planet or if it is

occupied by an auspicious planet then the native is complacent in learning. Same result is obtained
if Mercury is powerful.

Pandit Jawaharlal Nehru

Sun- 7s 0 18 Moon- 3s 20 0 Mars- 5s 9 36 Mercury- 6s 15 40 (but 18 degrees in

Kundli received from them) Jupiter- 8s 14 45 (but 8s 16 15 in Kundli received from
them) Venus- 6s 7 (but 6s 8 in Kundli received from them) Saturn- 4s 13 40 Rahu
2s 16 18 (but 2s 14 30 in Kundli received from them)

Herein, the attention of readers is drawn to Chart 12 of patriot Pandit Jawaharlal Nehru.
In his horoscope, the fourth lord Venus is in the fourth house. Lagna lord Moon is in
Lagna and Mercury with his friend Venus is in the fourth house and is in friends house
also. Lord of English knowledge, Saturn, sitting in second house puts a full aspect on
fourth house and Saturn has full aspect of Jupiter placed in his own house. It is written in
his biography that Professors of Cambridge University used to marvel on his exceptional
aptitude. Hence, those people bestowed degree of M.A. (honors) on him without even
taking exam.

Babu Bhagvandasji
Again, in Chart 13 of well-reputed Babu Bhagavandasji of Benaras, Jupiter is in his own
house in the fourth and is also the lord of the Lagna. Mercury and the Moon are in the
second and the Sun is along with them. Hence, due to effect of this yoga (Mercury,
Moon and Sun placed in the second House), he is always immersed in spiritual
contemplation.

Swami Vivekanandji

Sun- 9s 0 15 Mars- 0s 7 0 Mercury- 9s 12 42 Jupiter- 6s 3 20 Venus- 9s 7 40

Saturn (retro) 5s 15 0 Rahu- 7s 24 21 Moon- 5s 21

Now lets look at Chart 14 of Swami Vivekanandji. According to rule (1) and (2), his
Mercury and Venus are in Lagna (Kendra), the second lord is in Trikona, the fourth lord
is in the fourth and the ninth and tenth house lord is in Lagna. That is, due to all these
yogas, there was predominance of learning, power of imagination, etc. According to rule
(3), the fourth lord is in the fourth and it has a full aspect of Jupiter, the significator of
learning. Hence, he was complacent in learning also. If Lagna is taken to be Dhanu,
according to forthcoming Rule (3), fourth lord Jupiter has full aspect of Mars. Therefore,
Dhanu Lagna is not proper because Jupiter falls in enemys House.

Rule 3: If fourth lord is in 6th, 8th, 12th House or is conjoined with malefic or is aspected by
malefic or fourth lord is in evil Rashi, then native is devoid of learning or gets obstacles in
learning. Fourth lord, Jupiter or Mercury falling in third or 6th, 8th, 12th or in an enemys House is
harmful for learning.

Swami Ramatirthaji

Sun- 6s 72 Moon- 6s 18 38 Mars- 8s 15 38 Mercury- 6s 24 Jupiter- 4s 29 38

Venus- 5s 7 30 Saturn- 9s 2 8 Rahu- 0s 25 19 Lagna- 11s 21 40 Sarvaksha 64|29
(Full duration of Nakshatra 64 Gh. 29 Vi.) Gatarksha 57|56| (Elapsed portion of the
Nakshatra 57 Gh 56 Vi) Rahu Mahadasha Varshadi 1|9|29| (Balance of Dasa at birth
Rahu 1 Yr 9 m 29 d)

Chart 15 is of Swami Ramatirthaji. The fourth lord Mercury is in the eighth and Jupiter
is in the sixth. But Jupiter is in the house of a great friend and is in own Navamsa,
Mercury is not combust by the Sun and the lord of the house of intelligence, the Moon is
also in the eighth. Because of all these reasons, though he was not totally devoid of proper
education, he had big obstacles in his learning. It is written in his biography that his
financial state was so bad that during his student life, he had to live on just Roti for many
days and at the same time and in such bad conditions maintained his wife. Fever of
learning, heat of digestive fire, maintenance of his woman and accompanying unbearable
troubles kept persecuting him from everywhere.
Keshavchandrasenji

Again look at Chart 6. The fourth lord Saturn is with the malefic Sun in the same
Nakshatra and Mars placed in the tenth has a full aspect on the fourth lord Saturn as well
as on fourth House. Due to this, he kept having many troubles and obstructions in his
learning.

Vidhyasagarji
In the same way, by looking at Chart 11 it is known that the fourth lord Jupiter is
conjoined with Saturn and Saturns full aspect is on the fifth House. He too had to face
big troubles in learning.

Hyder Ali

Look Chart 16 of Hyder Ali. The house of learning is very weird. The fourth, fifth,
ninth, and second house lords, Mercury and Jupiter, planets who are givers of knowledge,
are in the second house i.e. in the house of power of speech and imagination. The Lagna
lord2, Venus, is in fourth. Again (according to Rule (3)) the fourth lord Saturn3 is with
the malefic Sun. Mercury, Saturn, and the Moon, who is the fourth lord, are in evil
Rashis also. None of the fifth lords from the Lagna or Moon is in a Kendra. The result of
this contrary yoga is that Hyder Ali did not get time for learning due to being a son of an
ordinary soldier meaning he had obstacles in learning. But historians have written that
he could fluently speak five languages and all work of state was done only after his
consultation. He used to personally look after every matter. That is, though not being
literate he was a scholar.

2 Mistake, Lagna lord is Sun.

3 Mistake, Fourth lord is Mars.
Rule 4: If Mercury is exalted or in own House in Kendra or Trikona from Lagna then there is
greatness of learning, vehicle and property.

In Chart 9 of Shri Shivkumar Shastriji, Mercury is in Lagna but is neither exalted

nor in its own house. But Mercury has Neecha-Bhang-Raj-Yoga. Hence, by effect of
Mercury he obtained greatness of wealth and learning.

Sir Prabhunarayana Singhji

Again, in Chart 17 of Sir Prabhunarayana Singhji, paying attention to aforementioned

rules it is seen that the fourth house lord, learning and ninth House lord Mars and the
lord of the house of intelligence, fifth House Jupiter, while being placed in a Kendra have
mutual aspects among them. The lord of the second and the lord of fourth also have a
full aspect of Jupiter. From this it is clear that, the Maharaja, though being rich, not only
was learned but also obtained the power/ability to write books, etc.

Rule 5: If Jupiter in ninth has aspect of Mercury and Venus then the native becomes complete
scholar.

Rule 6: If Mercury, Jupiter and Venus are in ninth House then the native becomes famous
scholar. If Mercury and Jupiter are conjoined with Saturn in ninth House then the native becomes
scholar and rhetorician.

Intelligence
(a) If Mercury is the lord of the fifth house and if he is with some benefic planet or
has aspect of a benefic planet,
(b) If the fifth lord is surrounded by benefic planets,
 (c) If Mercury is exalted,
(d) If Mercury is in fifth House,
(e) If the lord of the Navamsa in which fifth lord is placed is in a Kendra and is
aspected by a benefic, then by the presence of any of the aforementioned yogas, the
native has understanding and is clever and intelligent.

In Chart 14 of Swami Vivekananda, the fifth lord Venus is not only in a Kendra
but is in Meena Navamsa i.e. in exaltation and the lord of Meena, Jupiter, is in a Kendra.
But it is not aspected by any benefic but the fourth lord is aspected by Mars.

(2) The House in which fifth lord is placed, if that places lord has aspect of benefic or
has benefics sitting on both sides, then his intellect is very subtle and sharp.

Lokmanya Balgangadhar Tilak

Sun- 3s 8 19 Moon- 11s 16 3 Mars- 6s 4 34 Mercury- 2s 24 29 Jupiter- 11s 17 52

(but according to Indian chronology it is 11s 15 48) Venus- 3s 10 8 Saturn- 2s 17 18
Rahu- 11s 27 39 Lagna- 3s 19 21 Shani Dasha Bhogya Varshadi 0|10|9 (Balance of
Saturn Dasa at birth -0 Yr 10 m 9 d)

Look at Chart 18 of late Lokmanya Balgangadhar Tilak. The fifth lord Mars is in the
fourth and its lord Venus is in the Lagna and it has a full aspect of Jupiter placed in his
own house.
Look at Chart 2 of B. Suryanarayana Rao. The fifth lord is in Kumbha and lord of
Kumbha, Saturn, has a full aspect of Venus and Jupiter.
 Look a Chart 3 of Sir Ashutoshji. The fifth lord Mercury is in the Lagna. The Lagna lord
Venus is in the second house and is aspected by Jupiter. Due to this he was one of the most
remarkably intelligent people of the country.

Raja Bahadur Harihar Prasad Narayan Singh

Sun- 4s 25 11 18 Moon- 3s 13 57 Mars- 8s 5 2 Mercury- 5s 18 4 Jupiter- 9s 2 15

(retrograde) Venus- 6s 11 17 Saturn- 4s 18 49 Rahu- 1s 27 4 Lagna- 11s 29
Gulika- 4s 3 0 Shani Dasha Bhogya Varshadi 3|10|16 (Balance of Saturn Dasa at birth
-3 Yr 10 m 16 d)

Again, look at Chart 19 of Raja Bahadur Harihar Prasad Narayan Singh Amava-Tikari
Naresh (Bihar). In this Kundli, the fifth lord is in the fifth and it has a full aspect of
Jupiter. He was a king with an exceptional intellect.

(3) If the fifth House is between two benefics and Jupiter is in the fifth and Mercury is
unafflicted the native has a sharp intellect.

(4) If the Lagna lord is debilitated or conjoined with malefics then his mind is not good.
(5) If the fifth lords, Mercury, Jupiter or Venus are in an evil house or are combust, then
the native also has a clouded and somber mind.