Ketu in the 12th house (Vyaya, the house of loss & liberation) brings the significations of Ketu, namely spirituality & moksha, detachment, past-life karma, into the area of expenditure, foreign lands, isolation and spiritual liberation. The 12th house governs expenditure & loss, moksha & liberation, foreign lands, isolation & retreat.
Results of Ketu in the 12th House
Ketu is a malefic planet, so here it tends to bring confusion, sudden losses, feeling lost, and unexplained anxieties focused on expenditure, foreign lands, isolation and spiritual liberation. As the 12th is a dusthana (difficult) house, results may come through struggle before growth.The exact result depends on which sign Ketu occupies here and the aspects it receives.
When It Activates
These results typically surface during the Vimshottari mahadasha or antardasha of Ketu, and when transiting planets trigger the 12th house. A well-placed Ketu here supports spiritual growth, gains from abroad and healthy detachment; when afflicted it can indicate heavy expenses, losses, isolation and hidden enemies.