The Best Direction to Keep Cash and Gold

The Banker’s Secret to Wealth Retention

I have spent over 15 years in the banking sector, and if there is one mystery that used to baffle me, it was this:

Why do some clients earning ₹50,000 a month manage to buy a second home, while others earning ₹5 Lakhs a month constantly struggle to pay their credit card bills?

In the banking world, we look at spreadsheets, interest rates, and investment portfolios. We talk about “Cash Flow.” But in the world of Vastu Shastra, we look at something deeper: Energy Flow.

You see, money has a “physical body” (the currency notes and gold coins) and a “spirit” (the energy of Lakshmi). As a banker, I can help you secure the physical body in a fixed deposit. But as a Vastu consultant, I have to tell you—if you put that money in the wrong zone of your house, the spirit of the wealth will feel suffocated and leave.

Think of your home like a bank. In a bank, we don’t just leave cash lying on the front desk. We don’t put the vault next to the public toilet. We have a specific, secure, heavy zone for the safe.

Your home has a similar “Vault Zone.”

I have visited homes where the locker was kept in the North-West corner. In Vastu, North-West is the element of Air (Vayu). And guess what? Their money was literally “flying away” on unnecessary travel and impulsive shopping. They weren’t bad with math; they were just battling the wrong element.

In this guide, I’m going to share the specific rules of where to place your “Tijori” (Safe/Locker). It’s not magic. It’s about aligning your hard-earned savings with the Earth element so they stabilize, and facing them towards the North so they multiply.

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The Golden Rule: Where it Sits vs. Where it Looks

This is where 90% of people get confused. I often get calls asking, “Jagdish, should my locker be in the North because North is the direction of wealth?”

The answer is No. And Yes.

Let me explain. In Vastu, there is a massive difference between Placement (where the object sits) and Facing (where the object looks when you open it).

Think of your locker like a heavy dam that holds water. You need the dam to be built on solid rock, but you need the gates to open towards the river flow.

Here is the Golden Rule for your cash box: Place it in the South-West. Open it towards the North.

Let’s break down why this specific combination is the “money magnet.”

1. The Placement: South-West (The Anchor)

You must place your heavy iron safe or wooden wardrobe in the South-West (Nairutya) corner of the room.

• Why? The South-West represents the Earth Element. It is the heaviest, most stable direction in the universe.
• The Logic: Gold and Cash are “Assets.” They are heavy. You want them to stay with you, right? You don’t want them to evaporate. When you place your wealth in the Earth zone, it gets grounded. It stops fluctuating. It stays.
• The Mistake: If you place your heavy locker in the North-East (the zone of Water and God), you are blocking the cosmic flow. A heavy safe in the North-East causes financial stagnation and mental stress because you are putting a rock in a flowing stream.

2. The Facing: North (The Invitation)

While the locker sits in the South or South-West, its door must open towards the North.

• Why? North is the direction of Lord Kuber, the Treasurer of the Gods.
• The Logic: Imagine you are opening your safe. When you pull the handle, you are physically stepping back. The “mouth” of the safe opens up to face the North. You are essentially saying, “Lord Kuber, please come in and fill this space.” You are creating a direct path for the energy of wealth to enter the box.
• The Big Risk: Never, ever have your locker open towards the South.
  • South is the direction of Lord Yama (The God of Death/Endings).
  • If your locker opens South, the energy of your wealth flows out towards the zone of disposal. This is a classic Vastu defect that leads to “unexpected outflow”—medical emergencies, theft, or money that just vanishes before you can enjoy it.

So, grab your compass (or use the app on your phone) and do this simple check:

1. Stand in front of your locker.
2. Open the door.
3. Look at where the inside of the locker is facing.
4. If it faces North or East? Excellent.
5. If it faces South or West? We need to rotate it.

It’s a small shift, usually just turning the cupboard 90 degrees or moving the box to a different shelf, but I have seen it stop financial leaks almost instantly.

Inside the Locker: Rituals to Multiply Wealth

So, you have the “Hardware” set up correctly—the locker is in the South-West, facing North. Now, we need to install the correct “Software.”

In banking terms, having a secure vault is useless if you don’t put the right assets inside it. In Vastu, the way you keep your money determines the vibration of that money. Is it happy money? Or is it stressed money?

Here are three secrets I often share with my premium clients to turn a standard metal box into a wealth magnet.

The “Double Your Money” Mirror Trick

This is an old grandmother’s secret, but it works on a subconscious level. Place a small mirror on the inner back wall of your locker. The Logic: When you open the safe, the mirror reflects the cash and jewelry kept inside. Visually, your one bundle of notes becomes two. Your two gold bangles become four. It sounds simple, but this creates an “optical illusion of abundance.” In the spiritual realm, what you see is what you manifest. If your brain constantly sees “double,” it programs your subconscious to expect multiplication, not scarcity.

The Red Velvet Carpet

Never place gold or cash directly on the cold metal floor of the safe. It’s disrespectful. Goddess Lakshmi needs a throne. Spread a clean Red Cloth or a piece of Red Velvet at the bottom of the locker. The Logic: In Indian culture, Red represents Shakti (Energy) and victory. Paper money is essentially dead wood pulp; the color red infuses it with life force (Rajasic energy). It keeps the currency “active” so it can circulate and return to you multiplied.

The “Merchant’s Stone” (Citrine)

Since you are interested in growing wealth, I highly recommend keeping a small piece of Citrine Crystal or a Kuber Yantra inside the cash box. Citrine is known globally as the “Merchant’s Stone.” It carries the energy of the Sun—bright, warm, and expansive. Unlike other crystals that need cleansing, Citrine does not hold negative energy. It simply radiates “more.” Just one small tumble stone next to your cash bundle is enough to keep the energy charged.

The “Clean Up” Rule: Please, do me a favor. Open your locker today and check: Are there old receipts, warranty cards, or unpaid bills inside? Throw them out! A receipt is a record of money gone. A bill is a record of debt. Why would you keep the energy of “loss” and “debt” sitting right next to your savings? Your locker should only contain assets—Cash, Gold, Property Papers, and FD Certificates. Keep the bills in a separate drawer.

The Big No-No’s: Where NOT to Keep Your Money

I’ve fixed hundreds of “leaking” bank accounts just by moving the safe out of the wrong zone. If your locker is in any of these danger zones, you might feel like you are trying to fill a bucket with a hole in the bottom.

The North-West Corner (The “Traveler” Zone)

The North-West is ruled by the Air Element (Vayu). If you keep your money here, it will behave like the wind—it will come in, blow around, and leave. The Symptom: You will have high cash flow, but zero retention. You will find yourself spending money on unnecessary travel, impulsive shopping, or lending money to friends who never pay it back. The money just won’t sit still.

The South-East Corner (The “Incinerator”)

The South-East is the Fire Element (Agni). Placing a safe here is like throwing your wallet into a bonfire. The Symptom: This is dangerous. It often leads to money being “burnt” on medical emergencies or accidents. Even worse, it causes heated arguments in the family regarding finances. If your safe is here, move it immediately.

The “Pressure” Points

• Under a Beam: Never place your locker directly under a structural overhead beam. The beam carries the entire load of the building. Placing your wealth under it creates immense financial pressure and “debt stress.” You will feel like you can never breathe easy regarding money.
• Touching the Toilet Wall: If the back wall of your locker shares a wall with a bathroom, the negative energy of the toilet drains the prosperity of the locker. Move it at least a few inches away or place a wooden board between the locker and the wall as an insulator.

Facing the Main Door

Your locker should never be directly visible from the main entrance of the bedroom or the house. If a guest standing at the door can see your safe, it is considered “energy leakage.” It signifies your wealth is ready to walk out the door. Keep it discreet.

Tips for Apartments (When You Don’t Have a “Perfect” Room)

I know what you are thinking. “Jagdish, I live in a 2BHK flat. My South-West room is actually the guest room (or worse, the bathroom). What do I do now?”

This is the reality of modern city living. We don’t build our own palaces; we buy what the builder gives us. But don’t worry—Vastu is adaptable.

If you don’t have a dedicated room in the South-West zone of your house, here is how you adapt the rules:

The “Micro-Vastu” Technique

If the South-West of your entire home is a toilet or a kitchen, ignore it. Instead, focus on your Master Bedroom. Treat your bedroom as a mini-house.

1. Go to the South-West corner of your Master Bedroom.
2. Place your cupboard or safe there.
3. Ensure it opens towards the North. This “Micro-Vastu” approach works 80% as effectively as the macro approach. The Master Bedroom is your personal domain, so stabilizing the energy there stabilizes your personal finances.

The “Respect” Rule (Height Matters)

I once visited a wealthy client who kept his cash box hidden inside a divan bed box, right near the floor. He was always complaining about money getting “stuck.” I told him, “You have put Goddess Lakshmi at your feet. How will she bless you?” Never keep your locker directly on the floor. It is disrespectful.

• The Fix: Always raise it. Place it on a wooden stool, inside a wardrobe on a shelf, or on a raised platform. It should be at least a foot off the ground. This elevates the vibration of your wealth from “dust” to “deity.”

The Window Warning

In many modern apartments, the corners have pillars or windows.

• The Rule: Never place your safe with its back against a glass window.
• The Reason: Glass is transparent and fragile. It offers no support. Vastu says your support (backing) must be solid. If your safe backs onto a window, your financial support system (friends, investments) will be unreliable.
• The Fix: If you have no choice, cover that window with a heavy, thick curtain that is never opened. This creates a “virtual wall” behind the safe.

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Treat Your Locker Like a Temple

I want to leave you with one final thought from my banker diaries.

I have seen people treat their bank lockers with more respect than their home lockers. They go to the bank, sign in, sit quietly, and handle their jewelry with care. But at home? The locker is stuffed with old bills, broken keychains, and dust.

Your home locker is not just a metal box. It is the heart of your home’s economy.

If you treat it with indifference, your money will treat you with indifference. It won’t grow. But if you treat it with respect—give it the right direction (South-West), the right facing (North), and the right environment (Clean & Red)—you are sending a powerful signal to the universe.

You are saying: “I value the energy of wealth. I am ready for more.”

Your Homework for Today: Don’t just read this and close the tab. Get up. Walk to your locker.

1. Check which way it opens. (Is it South? Rotate it!)
2. Check what’s inside. (Is it messy? Clean it!)
3. Check the bottom. (Is it on the floor? Raise it!)

Small changes. Massive results.

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Ready to Stop the Leakage?

Sometimes, the issue isn’t just the locker—it’s the entrance, the toilet, or a missing corner. If you feel like you’re earning in buckets but saving in teaspoons, let’s look at your floor plan together.

Book a Personal Financial Vastu Audit with me at Vastudharma.com. Let’s find exactly where your luck is hiding.

Disclaimer: The information provided in this article is based on the principles of Vastu Shastra and is intended for educational and spiritual purposes only. While these guidelines aim to enhance the energetic environment of your home, they are not a substitute for professional financial planning, investment advice, or physical security measures. Please ensure all cash and jewelry are stored in high-quality, burglar-proof safes and covered by appropriate insurance. Vastudharma.com and the author assume no liability for any financial loss, theft, or decisions made based on this content. Results may vary based on individual karma and effort.