The Saturn-Moon association is also called Punarphoo dosha and considered an unwelcome signature for early and peaceful marital bliss. It may break engagement, produce unexpected delay in marriage, or even mar the marital life, unless fortified by natural benefic planets. I’ve seen many a charts having Saturn-Moon relation led to delayed or even no marriage at all.
Like other yogas and planetary combination, Saturn-Moon association mainly depends upon involved signs and houses. A house shows the area of life (home, office, temple, bedroom, relationship, love etc.) while sign indicates how an event may occur. On the other hand, lord of rashi and karakas stand for spirited bodies and living beings (e.g. parents, wife, teacher, boss, pets etc). Hence when Saturn influences 7th house then this indicates delayed marriage and/or cold/indifferent spousal relationship. On the other hand, if Saturn influences 7th lord and karaka then this shows diseased spouse and/or aged partner, obviously when other things being constant.
The native of following chart however got married in early twenties but confronted a husband doubled in age. Note the parivartana between Saturn and Moon in first and seventh houses. Although destined with sons and daughters, she is a neglected wife with cold marital relations.
As far as no-marriage is concern, Mother Teresa’s austere life is an example to look in the light of Saturn-Moon association. She was a soul filled with unparallel love and unshakable faith, but she never married and led a life of catholic nun.
Kalyana Varma generalizes Sani-Soma sambandh as; “When the Moon and Saturn be together, the native will possess a decayed wife, be dear to public, will breed elephants and horses, devoid of virtues, under the control of others, poor and defeated.” (Saravali XV, 12)
But no individual yoga or dosha is responsible for materializing any event. Exceptions (in the form of drishti, yuti, amsha, dispositors etc.) modify, even change the results at all. So before inferring any conclusion the ‘relative strength’ of conjunction, aspect, occupation etc should work out. Noted Vedic astrologer B.V. Raman’s chart is a good example in this regard. Dr. Raman married quite early in life and enjoyed a happy and smooth marital life, despite having Saturn-Moon association.
Let’s find the reason why Dr. Raman neither confronted any marital or relational enigma. There is a fairly powerful aspect of Jupiter on Sat-Moon from Scorpio. Note that Jupiter’s aspect is stronger than Saturn’s conjunction (whenever multiple planets are involved do consider Spusta Drishti taught by Maharishi Parasar). Moreover, seventh lord–Sun is in chara rashi, getting aspect of Jupiter and dhan-argala of Venus, Mercury and Mars (this favours early gain of spouse). Thirdly, the Moon’s rashi dispositor and kalatar-karaka Venus is in 7th and aspecting the lagna. For reader’s interest, I point out a peculiar Raja Yoga formed by Saturn and Moon. Vidyanatha in his Jataka Parijata narrates;
“If the Moon is conjunction with Saturn in 11th, 4th or 10th, the native will become a king (when born in royal family) otherwise will be rich and like a king.”
Note that in natural zodiac, mentioned houses are ruled by Saturn (10th and 11th) and Moon (4th).