Hello Suraj Nayyar,
Welcome to the forum.
As per your birth details provided you have born on monday, under magha constellation Leo Zodiac and Sagitarrious Ascendant.
You are presently running with sun maha dasha from 2010 till 2016. And in your horoscope moon, mars, venus, mercury all are combusted due to sun and its affecting service life, partnership, professional life, family end problems during this time. And even your bachelors would have been with more difficultiy. And from last 21st of july last year you are undergoing lot of fiancial troubles, lossess and even causing service life troubles. And this situation will imporve after 1st week of july this year 2014.
And you have chances of going for higher studies after july this year. Before recommending you gemstones please tell me your higher education stream?