Kaal sarpa yog can happen to anyone as per the belief in hindu astrology. It is believed when all the seven planets are surrounded by the two shadow planets Rahu and Ketu, the kaal sarp dosh/yog is established.
If the kaal sarpa dosh or yog is formed in one’s horoscope(Kundali) it causes serious conditions to their finances, health and property of people.
Sarpa means serpent. Rahu is serpent’s head and ketu is serpent’s tail. It is also believed if one has killed sarp (naag) in their previous birth, it forms kaal sarp yog in their horoscope(Kundali).