Should Surya, Candr and Mangal join in Tanu, Bandhu, Yuvati, Karm, Dharm, or Vyaya Bhava, being devoid of strength, the notorious Jal Yog is produced.

The native, who has Jal Yog will be dunce, unimportant and devoid of any wisdom and wealth. He will have no fixity of mind. He will be stubborn (in the sense, that he will not accept any good thinking) and he will depend on others for food. He will be subject to mental worries.

Kema Drum Yog (of another kind) is produced, when Dharms lord is pushed to Vyaya Bhava, while Vyayas lord is in Dhan Bhava without strength. Simultaneously, Sahaj Bhava shall have placement of malefics.

One born with the Kema Drum Yog (mentioned in the above Sloka) will be after other housewives, will always look up to other for his food, will indulge in bad deeds and will contract several debts.