Chennai: Many people are constantly striving for peace in life, burdened by financial crises, debts, and monthly EMIs. While taking out a loan has become unavoidable, repaying it often poses a significant challenge. A common belief among many is, "You shouldn't repay loans on a Saturday," and "Paying money on that day will only increase your debt burden." Is there any truth to this notion? Is it right or wrong to repay a loan on a day dedicated to Lord Shani? Let's explore the spiritual guidance on this matter.
Saturday, Lord Shani, and Financial Management:
Lord Shani is known as the 'Karmakaraka,' the planet of karma. Astrologically, it's believed that Lord Shani grants results according to one's karmic actions. He upholds justice, honesty, discipline, and hard work. The challenges he presents are thought to mature an individual, teaching them responsibility and prudence.
Can You Repay Loans on a Saturday? - What the Tradition Says:
Generally, it's advisable to avoid taking out loans on a Saturday. This is based on the belief that borrowing or receiving money on this day could lead to an increase in debt. The saying, 'If Shani catches you, it's like a curse has caught you,' reflects the fear that loans taken on this day might persist as a burden.
However, repaying a loan is different. Getting rid of debt is considered an auspicious act. When you repay a loan, it grants you financial liberation. There is no harm in doing this on any day. Since Lord Shani himself is believed to resolve karmic issues, repaying a loan on a Saturday would be seen as reducing your karmic burden.
Important Note: While taking out loans, making new investments, or conducting large financial transactions on a Saturday are generally avoided, repaying an existing debt is an act that reduces financial burden, and therefore, can be done on any day.
Auspicious Days and Times for Loan Repayment:
While you can repay a loan on a Saturday, Tuesday is generally considered the most auspicious day for loan repayment. However, it's believed that avoiding repaying loans during Gulikai Kalam (Gulika's time) is beneficial, as paying during this period is thought to help repay the debt quickly.
Tuesday: Tuesday is considered a highly auspicious day for repaying loans. It is particularly favorable when it falls during Chevvaai Horai (Mars' Hora) and under the Ashwini or Anusham nakshatras.
Gulikai Kalam: While Gulikai Kalam is not considered suitable for taking out loans, it is believed that repaying loans during Gulikai Kalam can help settle the debt quickly. This is thought to prevent the debt from re-emerging.
Shani Horai: You can repay loans during Shani Horai (Saturn's Hora), but it is not considered more auspicious than Chevvaai Horai.
Therefore, while you can repay loans on a Saturday, it is generally considered more favorable to do so on a Tuesday or during Gulikai Kalam to expedite the repayment process.
To Receive Lord Shani's Blessings:
Hard Work: Lord Shani favors those who work hard. Repaying loans with money earned through honest labor will bring you Lord Shani's blessings.
Charity: Offering sesame lamps on Saturdays, donating food items mixed with sesame, giving black clothes, and helping the differently-abled are believed to appease Lord Shani and bring his positive blessings.
Devotion: Worshipping Lord Hanuman and Lord Ganesha is believed to alleviate Shani Dosha (afflictions caused by Saturn). Visiting nearby temples and worshipping on Saturdays can bring mental peace and financial stability.
While avoiding taking loans on a Saturday is a precautionary measure, repaying an existing loan is a good deed that can be done on any day. However, repaying loans on a Tuesday or during Gulikai Kalam is believed to help alleviate the financial burden more quickly. Lord Shani will surely support your efforts to free yourself from significant financial strain. Diligence, foresight, and hard work in financial matters are always key to a successful path.
