Some texts say that kahala yoga means that fourth house lord should be in own house
or in exaltation.It should be in conjunction with or aspected by tenth house owner.
Some other texts say that ninth house lord should be in quadrant with 4th house lord and b.lagna and lagna lord should be strong.In your case,ninth house lord is in neecha.Further ,the dispositor of Sukra is in 12th house.
In your case,lagna is having average strength,but lagna lord moon is very strong in tenth kendra.You got Ruchaka yoga(Mars is in 10th house and in own house).
Sani in 12th house is partly spoiling lagna.
You are having very high courage and dyanamism.You are lucky.You got only
Kahala yoga is high Punya yoga.Itis not possible to have it,in the present
sinful world.Most of the present day rich yogas are formed due to
second and eleventh houses and other malefic planets. firstname.lastname@example.org