This house signifies losses besides indicators of moksha. While matching horoscopes, 12th is specifically seen for physical compatibility or otherwise for prospective alliances. This house also reflects the sleeping patterns of the native besides comforts in life. This is referred to as,’ayana sayana, sukha, bhoga ‘ sthanam. Lets see what the 12th lord can mean in the different houses of the horoscope.

12th lord in Lagna

The native would be fortunate to have a regular regimen in life in terms of having food at the appropriate time, getting good undisturbed sleep, and having all comforts. He would not mind spending extravagantly to make himself/herself enjoy life happily. In a way, we can address the native as a ‘spend thrift’.  

12th lord in 2nd house

Since the 12th lord would be in the 2nd house of the horoscope called ‘Dhana sthanam’, there may be losses of money and the native may not command respect from society and hardly anybody would respect the native’s words as the native would be unable to keep up his/her words. Maybe disinterested in education. The native would have the tendency not to avoid gossips. Sometimes the native may be an aimless wanderer.

12th lord in 3rd house:

The native may incur losses through his/her younger siblings. Would be the loser of ancestral Properties.

12th lord in the 4th house

The family expenses of the household would not be under control. The native would borrow from outside to run the household. Would enjoy life by overeating and suffer later. Would have the tendency to have an illegitimate physical relationship. The native would spend for friends and relatives of all sorts to make them feel happy for the sake of society and then borrow to meet his personal requirements. Knowingly, the native would be extravagant.

12th lord in the 5th house

The native would have a spiritual slant and would undertake theertha yaatras and pilgrimages, visiting temples frequently and would donate liberally to temple works, construction of temples, annadhanam, vastra dhanam, vidya dhanam and Go Samrakshanam, etc. The native would voluntarily spend for VIPs and children to keep them happy. Elder brothers would cause avoidable expenditure to be borne by the native.

12th lord in the 6th house

Although not very pleasant results would be the outcome in regard to 6th house matters (debts, ailments, enemies) astrological texts say that 12th lord in the 6th house of the horoscope would cause ‘vipareeta raja yogam’ signifying unprecedented and unexpected beneficial results.   

 12th lord in the 7th house

The native would have to spend for women to please them. Litigations, disputes might crop up every now and then and would result in spending exorbitant money on account of that. The native would lose money through illicit affairs. The relationship with the native’s spouse may not be good in all respects. If he is an employee working in an organization, the support from powers that be ‘ which is called prabhutvam’, may not be congenial. Peer pressure would also be there as a result of which he may not have job satisfaction.

Whichever concern he joins, because of the above-mentioned points, he would turn out to be a rolling stone that gathers no moss. There would be very few chances to promote any business and succeed as partnerships may not work effectively because of his mistrusts and distrusts with the partners. If the native chooses the path of the proprietorial route, he may succeed provided there are aspects of benefics or association with the 7th and/or 12th houses.

12th lord in the 8th house

12th lord in the 8th house of the horoscope can cause ‘vipareeta raja yogam’ giving unexpected unprecedented results. But by and large, the ‘vipareeta raja yogam ‘ may manifest after the native gets the feeling that his/her time is up and at a time when he/she feels that they are in a position to see the end of the tunnel. The way the planets work may be mysterious indeed!

12th planet in the 9th house

If the 12th lord in the 9th house which is pitru bhagya sthanam, the native may have to dispose off his father’s properties, and misunderstandings with siblings leading to litigations and debts. If benefic association prevails, there may be a marginal relief. There may be a loss of reputation and a loss of face in society.     

12th lord in the 10th house

The native may have challenges in endeavors and likelihood of stagnation in business pursuits, the announcement of bankruptcy, exit from business disgracefully, ill-conceived, aimless traveling, and consequent losses need to be borne. Light relief is not ruled out if benefics help the native by aspects or associations.

12th lord in the 11th house

The native may get a reasonable income to facilitate him to make both ends meet. Wasteful expenditure through children, through elder brothers, and undeserving charity acts. If the 11th house happens to be a badhaka sthana from the 12th house, results may be unpredictable.

12th lord in the 12th house

If the 12th lord is in the 12th house that happens to be his own house, most of the time native would be sick, not thrifty most of the time, very extravagant most of the time. The native would enjoy eating heartily, tend to oversleep. Lack of focus and monitoring in business pursuits and lack of healthy HR practices would land him in confusion and ultimately losses.

Summing up

These are indicative results and can vary depending on other factors in a horoscope. I encourage you to read about the 1st Lord, 2nd Lord, 3rd Lord, 4th Lord, 5th Lord, 6th Lord, 7th Lord, 8th Lord, 9th Lord, 10th Lord, and 11th Lord as well.