🏦 Which day is auspicious for taking a loan — and which for repaying it?
ऋण लेने और चुकाने का शुभ दिन • computed from live planetary positions
The tradition's loan rules are wonderfully specific: never TAKE a loan on Tuesday — debt taken under Mars is said to cling for life — but Tuesday is the best day to REPAY, for the same fire burns debt fastest. Take loans, if you must, on Wednesday or Thursday on a favourable tithi; close them on a Tuesday.
This page times a decision you have already made — it never recommends what to invest in, borrow, or lend, and no outcome is guaranteed by a date. For what and how much, consult your own judgement and a qualified financial advisor.
Upcoming favourable dates (next 60 days)
By the general panchang — before your personal layer. Select your rashi below to remove the days that are wrong for you specifically.
| Date | Tithi | Nakshatra | Tithi till |
|---|---|---|---|
| Sat, 25 Jul | Shukla Ekadashi | Jyeshtha | 11:36 |
| Thu, 30 Jul | Krishna Pratipada | Shravana | 21:32 |
| Sat, 8 Aug | Krishna Dashami | Rohini | 14:00 |
| Fri, 14 Aug | Shukla Dwitiya | Purva Phalguni | 18:48 |
| Sat, 15 Aug | Shukla Tritiya | Uttara Phalguni | 17:30 |
| Sat, 22 Aug | Shukla Dashami | Jyeshtha | 02:02+1d |
| Thu, 3 Sept | Krishna Saptami | Krittika | 02:27+1d |
| Thu, 17 Sept | Shukla Shashthi | Anuradha | 10:49 |
🎯 Your personal dates for this
Select your rashi (moon sign) — we exclude your Chandrashtama days and rank what remains. Don't know it? Find your rashi & nakshatra →
How this muhurta is determined
Borrowing and repaying are opposite acts and get opposite days. Mars — the planet of debt (ruṇa) in the classical scheme — makes Tuesday poison for new borrowing and medicine for closure: the final EMI, the pre-payment, the settling of an old khata all go best under him. Wednesday's Mercury keeps loan paperwork clean; Thursday's Jupiter favours terms in your interest.
The hour matters for signing loan documents as for any contract: outside Rahu Kaal, in Abhijit or a Shubh Choghadiya, never on your Chandrashtama — the day your reading of fine print is weakest.
These are timing traditions, not financial advice: whether to borrow, how much and from whom are questions for your own judgement and a qualified advisor. The panchang only says WHEN a decision you have already made sits best.
Frequently Asked Questions
Why is Tuesday good for repaying but bad for borrowing?
Mars rules debt itself. Debt CONTRACTED under Mars is held to take root and burn long; debt DESTROYED under Mars burns away fastest. Hence the twin rules: never borrow on Tuesday, prefer Tuesday to close.
Does an EMI auto-debit need timing?
No — recurring debits are machinery, not acts. The muhurta attaches to decisions: signing the loan, the first disbursal, and the deliberate final closure. Time those three and let the middle run on autopilot.
More in Money & Purchases
Also see the year's fixed lists on Shubh Muhurat 2026, today's windows on Choghadiya and Rahu Kaal, and the full Panchang for your city.