Karz mukti: how to get out of debt, the astrology and the remedies

Debt is a weight that follows you to bed. If the EMIs keep growing and you are searching "karz mukti ke upay" late at night, start with this: debt in a Kundli is a period, not a life sentence.

Where debt shows in the Kundli

• The 6th house is the house of rin (debt), along with illness and enemies.
• The 8th and 12th houses show sudden losses and expenses.
• The 2nd and 11th houses show savings and income, which decide how fast you can repay.
• Mars is the significator of debt. Rahu shows borrowing beyond your means.

When loans pile up

Debt tends to grow in the dasha or antardasha of the 6th, 8th or 12th lord, during the first phase of Sade Sati when expenses rise, and when Rahu passes through the 2nd or 12th from your Moon. Knowing this helps in a practical way. In these periods, do not borrow more to look successful.

Traditional remedies for karz mukti

• Read the Rin Mochan Mangal Stotra on Tuesdays.
• Read the Hanuman Chalisa daily.
• By tradition, start repaying a loan on a Tuesday and avoid taking a new one on a Tuesday.
• Worship Lord Ganesha on Wednesdays for clear thinking in money matters.
• Give food to someone in need on Saturdays.

The practical side

• Write down every loan with its interest rate. Pay the costliest first.
• Stop new borrowing, including credit cards, until the list is shorter.
• Talk to your lender early. Banks restructure loans more often than people think.
• Avoid anyone who promises to clear your debt through a scheme, a tip or a ritual for a fee.

The dasha will change on its date. Your job is to reach that date with the debt smaller than it is today.