Answer
(Fatwa: 1247/1013=D/1430)
It is makrooh to recite any dua while performing ghusl; since one stands at a place where used water falls. Likewise, commonly people take bath in the state of uncovering their satr (hidden parts of body), in this state also, reciting any dua is makrooh:
وقال فی نور الایضاح: ویستحب ان لا یتکلم بکلام معہ ولو دعاء، قال فی المراقی: لانہ فی مصب الاقذار ویکرہ مع کشف العورۃ حاشیۃ طحطاوی۔
One should recite only bismillah (بسم اللہ الرحمن الرحیم) before taking off the clothes.
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband