Verse 1 — Sunapha, Anapha, Durudhura & Kemadruma
हित्वार्कं सुनफानफादुरुधुराः स्वान्त्यॊभयस्थैग्रहैः । केन्द्रे शीतकरेथवा यदि भवत्येव केमद्रुमः ॥ ३ ॥
hitvārkaṃ sunafānāfādurudhurāḥ svāntyobhayasthaigrahaiḥ | kendre śītakerethavā yadi bhavatyeva kemadrumaḥ || 3 ||
Planets (except Sun) 2nd from Moon form Sunapha (wealth); 12th form Anapha (fame); both form Durudhura. If no planets are in 2nd/12th or Kendras, poverty-causing Kemadruma Yoga occurs.