✦ Loan Taking / Repayment Muhurat 2026 ✦
✦ Loan taking or repayment — panchang-aligned muhurat rules ✦
✦ Auspicious Muhurat 2026 ✦
Loan taking or repayment — panchang-aligned muhurat rules
Repayment best
कृष्ण-पक्ष
Taking best
शुक्ल-पक्ष
Avoid days
मंगल/शनि
✦ Shastric Rules ✦
- 1
For loan repayment: dark fortnight best. For loan taking: bright fortnight. Per shastra, taking loans is inauspicious — only if essential.
- 2
Auspicious nakshatras (repayment): Punarvasu, Hasta, Shravana, Uttara Phalguni, Uttara Ashadha, Uttara Bhadrapad, Rohini.
- 3
Avoid: Mula, Jyeshtha, Ardra, Ashlesha (sharp nakshatras).
- 4
Days: For repayment — Wed/Thu/Fri. For taking (essential) — Mon/Wed. Avoid Tue, Sat.
✦ January 2026 ✦
✦ पौष / माघ ✦
🌙 कृष्ण एकादशी
⭐ Nakshatra: अनुराधा
✦ Makar Sankranti ✦
🌙 कृष्ण त्रयोदशी
⭐ Nakshatra: मूल
✦ May 2026 ✦
✦ वैशाख / ज्येष्ठ ✦
🌙 कृष्ण पञ्चमी
⭐ Nakshatra: पूर्वाषाढ़ा
🌙 कृष्ण नवमी
⭐ Nakshatra: धनिष्ठा
✦ September 2026 ✦
✦ भाद्रपद / आश्विन ✦
🌙 कृष्ण चतुर्थी
⭐ Nakshatra: भरणी
🌙 कृष्ण दशमी
⭐ Nakshatra: पुष्य
✦ FAQs ✦
Q. Is taking loans always inauspicious?
Per shastra — yes, basically inauspicious. But essential in modern life — home, education, medical. Auspicious muhurat helps repayment to happen sooner with less stress.
Q. Best day to take a loan?
Monday best (Moon — coolness). Wednesday acceptable (Mercury — transactions). Tuesday (Mars — karz-karaka) — never take, only repay.