If you are going to borrow or get loan, pay your first month due on a day when the star is aswini or anuradha, and also select the lagna as aries if its aswini star day or lagna as scorpio if its anuradha. At this time, repay any amount of due. This will guarantee that you will be fortunate and repay the full amount in very short period.Another method is that you select either tuesday, or saturday or sunday, and make sure the tithi is either chathurthi or chathurdasi. Calculate in which sign gulika will be on that day, when gulika is exactly in lagna, repay a part of the loan and youll be surprised to see that you are able to clear loan in short period.Third method is select a Saturday, and let the ascendant be in a movable sign, either aries, cancer, libra or capricorn. It is always advisable to have malefic in 8th house to the lagna at which time the part payment is made.Note: One should never lend or borrow money on eclipse days. It causes danger to both borrower and banker.1)First Month DueTuesdaySaturdayStar --> AshwiniLagna --> Aries (Mesam)Star --> Anuradha (Anusham)Lagna --> Scorpio (Viruchigam)2)TuesdaySaturdayThthi --> Chathurthi (4) / Chathurdasi (14)Gulika Kalam