What is common between Ravana and Financial Planning?


What is common between Ravana and Financial Planning?

Did you know that Ravana’s ten heads had some significance? Do those ten so-called heads have something in common with financial planning? Do these ten signify anything to financial planning? 

Research says that Ravana, who was a great Vedic scholar, possessed excellent intellectual capabilities. This can lead us to infer that the ten heads, also known as Dasamukha symbolise the four Vedas- Rig-Veda, Sama-Veda, Yajur-Veda, and Atharva-Veda and 6 Shastras- Sankhyashastra, Yog, Nyayashastra, Vaisheshik, Purvamimansa and Uttar Mimansa.

Another legend says that the ten heads of Ravana represent ten negative emotions. 

Ravana was a great intellectual. He had mastered the four Vedas and six Shastras. It is said that his ten heads symbolically represented the mastery over these ten scriptures in total. Also, it is said the ten heads symbolised the six qualities and ten aspects created, namely Kama (lust), Krodha (anger), Lobha (greed), Moha (attachment), Madha (arrogance), Matsarya (hatred and jealousy), Manas (mind), Buddhi (intellect), chitta (consciousness) and ahamkara (ego).

In different ways, Ravana’s ten heads symbolised his powers, capabilities, accomplishments, aspects and knowledge. Once Mahabali advised Ravana to let his Buddhi (intellect) rule over the other nine elements so that he could walk on the right path. But, unfortunately, this only angered Ravana, and he never gave heed to the excellent advice of elders and near and dear ones. Ultimately his lust and arrogance paved the way for his destruction.

Ravana did hard penance to please Brahma Ji. During his penance, Ravana cut off his head ten times to please Brahma. Every time he cut off his head, a new head would appear. Thus he was able to continue his penance. In the end, Brahma was pleased with Ravana’s penance and appeared and asked him to ask for a boon. On this Ravana sought the blessing of immortality, but Brahma Ji gave him the celestial nectar of immortality. For this reason, when Lord Rama hit his navel, Ravana died.

The ten heads of Ravana signify the ten forms of love. Let’s explore these ten emotions which, perhaps, every human life owns.

1. Loving your designation, your post or qualifications – ego or ahankara; 

2. Loving your family & friends – attachment or moha.

3. Loving one’s perfect self – which leads to regret or paschyataap. 

4. Loving/expecting perfection in others – leading to anger or krodha.

5. Loving the past – leading to hatred or ghrina.

6. Loving the future – leading to fear or bhaya.

7. Loving/wanting to be no.1 – this is jealousy or irshya. 

8. Loving things – which brings in greed or lobha.

9. Loving parts of the body of the opposite gender – which is lust or kama. 

10. Loving fame, money, and children – brings inertia/insensitivity or jaddata.

My experience as a financial planner brought out quite similar emotions of today’s human. These ten emotions form the mindset of a person. This can be an asset or a liability when a person looks through them for his money! Let’s explore how?

1. Ego-ahankara; If a person keeps his ego high, like continuing some Investments, despite advice not to do so by his financial planner, his ego prevents him from sustaining a loss!

Ravana-financial planning by Taressh Bhatia

2. Attachment-moha; Love for gold or property, can sometimes be, a sure sign of attachment. Sometimes detrimental to building wealth. Sometimes, it could only be a false emotion of keeping an investment. The investor also knows very well that keeping that investment may not bring the desired results!

3. Regret- paschyataap; You regret paying not heed to your advisor’s advice when the marke went up and down. The market was bouyant.

4. Anger-krodha; When the market was sliding down, (a temporary feature) You get angry with your financial planner for two reasons. One, that he couldn’t predict the fall in the market. Second, he still continued to charge his management fees.

5. Hatred-ghrina; Hating those moments, when your advisor gave you recommendations to stay put in your investments, despite the ups and the downs of the market. 

6. Fear-bhaya; Fear of the fall in your investment’s value, due to a sudden fall in the market, can lead to a wrong imminent decision to sell one’s investment. That fear makes on loose money!

7. Jealousy-irshya; with your friend’s assets or glorified investments, can make one ride on a false and misleading judgement of investing in an inappropriate asset class.

8. Greed-lobha; for buying gold as it shines! Greed to continue buying more of a property with one success. I have seen numerous such instances when that (false) greed continued, and my client kept buying property after property.

9. Lust-kama  for keeping some investments, without any rationale or despite adverse advise, is only lust!

10. Insensitivity or jaddata: Being insensitive to the market moves and not being sensitive to the required action to be taken, does lead to possible losses. 


Despite having superpower and boons from Lord Brahma and Shiva, the king of Lanka was defeated in the battle because his emotions overpowered his intellectual capabilities.

Similarly, I have observed that an average investor, despite being intelligent and having all the right financial powers, does get defeated due to his emotions. His emotions overpower his general acumen and advise from a financial planner. 

Why does this happen? Yes, I seen such instances in real life?

An important thing to notice here is that all the negative feelings are also forms of love. They are said to be “distorted forms of love”. Indeed, every action, everything, every feeling is a form of love. Ravana, too was supposed to be obsessed with these negative feelings, which led to his destruction.

Despite Ravana being a master of 64 types of knowledge, of what use was all the learning when he did not put them into practice? Though he had all the wealth, he could not enjoy anything because of his excessive desires. He became a slave to his feelings which finally led to his death.

Thus, Ravana’s ten heads signify that when you have more than you need, it serves no purpose.

Our Indian traditions emphasise on the importance of saving while controlling urges to overspend! Urges of enjoying that moment, rather than save for the long term, sometimes reduces one’s intellect to reduce one’s expenses and increase investments. A combination of one’s intellect and emotions can be detrimental to one’s growth of wealth. 

Our Indian traditions emphasise on the importance of saving while controlling urges to overspend! Urges of enjoying that moment, rather than save for the long term, sometimes reduces one’s intellect to reduce one’s expenses and increase investments. A combination of one’s intellect and emotions can be detrimental to one’s growth of wealth.

You have to kill those ten slave heads of yours to become the king of your financial kingdom!

Then only the Ravana inside you can rejoice and celebrate all that you possess, Enjoy the facts of equally important financial assets over your lifetime. 


Your ten heads control your destiny. They control your eventual actions which ultimately lead to construction or destruction of your financial freedom. 

You, the king, of your financial kingdom, eventually become the slave of your senses. 

These emotions, therefore, decide if you will create or destroy your kingdom of happiness. Having all this knowledge may help you to harness your powers of financial success.

May you win over all your ten emotions and enjoy all the blissful moments of your life. May these ten heads give you one equivocal power to overcome all emotions, and may you ride the path to your financial freedom. May you stay forever in your kingdom of joy, happiness and success. Today, forever, and for eternity.

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Father to a beautiful daughter and a handsome son, whose mother he is still in love for 23 years now. An Honest truth he never told anyone! He went broke three times in his life, he Started wondering going wrong! Which made Taressh learn the best about personal finance. He then went on to do the highest qualification in the world, in personal finance-CERTIFIED FINANCIAL PLANNER- called CFP. He has an MBA from IMI Institute in New Delhi. He is the Founder and Partner of the firm, Advantage Financial Planners LLP- which is registered with SEBI as a "Registered Investment Advisor (RIA). And today, as a financial freedom specialist, he is helping individuals and families to be financially free, free from worries about money. Having helped thousands of people, to organize their financial life, today he is on a mission to transform how India looks at money! Thereby triggering a financial revolution in India.