If Saturn is in the 12th house, the person's longevity is curtailed, as is his leadership ability. The person is besieged with expenses and cannot hold on to any wealth he earns. The person sleeps on plain or hard beds and receives little sexual pleasure in his life. There maybe bad vision in the left eye or hearing problems in the left ear. There may also be foot diseases. Unless Saturn is ruling good houses or is aspected by a benefic, the state after death is said to be unpleasant or difficult. This placement does not favor a steady career or the earning of wealth. Hindu scriptures have stated that the person is likely to have a deformed or defective body. They also assert that the person is stupid. The houses ruled by Satum are of course spoiled.

UCHCHA and SWAKSHETRA (exalted and own house). If Saturn is in Libra, Capricorn, or Aquarius in the 12th house, the person will be adept at retaining his wealth and spending his money wisely. He is not troubled by high debts and expenses. He will sleep on well-made beds and enjoy much sexual pleasure in his life. He will be successful in remote foreign lands. The person may enjoy great success in the pursuit of higher consciousness. He will not be troubled by theft.

NEECHA (fallen). If Saturn is in Aries in the 12th house, the person's longevity and leadership ability are greatly curtailed. The person will spend more wealth than he earns. He will face large debts and expenses. He will sleep on hard or dilapidated beds and receive little sexual pleasure. He may have problems in his left eye, left ear. or his feet. He will have litde success in remote foreign countries or in the pursuit of enlightenment. He will reside in a very low level after death. The person may often be troubled by thieves.

Source: «Ancient Hindu Astrology for the Modern Western Astrologer» by James Braha