Karz

Ravi Verma triumphs in court against Sir Judah, reclaiming his family's wealth and property that Judah had seized. Overflowing with joy, Ravi calls his widowed mother and his sister to share the good news and reveals that he intends to marry his girlfriend Kamini. Unbeknownst to them, Kamini is secretly a gold-digger working for Judah, setting the trap for the future tragedy.

On their way home to Coonoor, Kamini pushes Ravi over a cliff near a small temple of the Goddess Kali. The fall leaves Ravi dead and Kamini inherits the Verma wealth. The tragedy plants the seeds of years of pain for Ravi's family.

Distraught, Ravi's mother prays to Goddess Lakshmi to absolve her son’s debt, but Kamini inherits everything and the family estate falls under her control. The widowed mother and Ravi's sister face banishment from their home as Kamini's grip tightens. The Verma legacy shifts decisively into Kamini's hands.

Twenty years pass and Monty, an orphan raised by the wealthy G.G. Oberoi, begins having visions triggered by Ravi's memories, sparked by a tune that was Ravi's favorite. Doctors joke about reincarnation but advise rest, while Monty remains drawn to the mystery behind the memories. The strange phenomenon sets Monty on a path that connects him to Ravi's past.

Monty travels to Ooty, drawn by the memories and a sense of belonging, where he meets Tina, a woman with a guarded past. The two quickly fall in love as Monty begins to piece together the Verma family saga from locals. Tina hints at a guardian figure she calls Rani Sahiba, deepening the mystery around her family.

Kabira, Tina's uncle, is released from prison after ten years for murder, leaving behind whispers about Tina's upbringing. Monty and Tina's bond deepens as he uncovers stories of Rani Sahiba and Kamini, linking Tina to the Verma tragedy. The revelation pushes Monty to uncover the truth behind Tina's guardianship.

As Monty delves deeper, he learns that Tina's guardian, Rani Sahiba, is the very Kamini who betrayed Ravi. The shocking discovery ties Tina directly to the Verma family tragedy and Kamini's hidden past.

Kabira explains to Monty that Kamini's brother was killed after overhearing a secret involving Ravi and the Kali temple, prompting Kamini's brother's murder. In retaliation, Kabira killed Kamini's brother, leading to his own arrest. The revelation clarifies the bitter enmity driving the pursuit of justice.

Monty publicly reveals to Kabira that he has a connection to Ravi Verma and accepts the possibility that he may be Ravi's reincarnation. Together they resolve to locate Ravi's estranged family and restore the Verma legacy. They commit to exposing Kamini's crimes and bringing closure to the far-reaching pain.

Monty and Kabira stage a ruse to make Kamini believe Ravi's ghost is seeking revenge, culminating in a staged school opening function where Tina and Kabira dramatize Ravi's story. The performance lays bare Kamini's fear and seals the growing case against her. Tina's involvement anchors the plan and intensifies the tension.

Kamini is horrified when the dramatized tale converges with truth, and she confesses to Ravi's murder. The confession is recorded by the police, providing formal closure and strengthening the case against her. The plan to bring Kamini to justice gains undeniable momentum.

Judah traps Tina and offers her in exchange for Kamini, triggering a tense confrontation. Tina jumps on Kamini, causing a chaotic melee that undermines Judah's scheme. Kabira and Monty gain the upper hand, but Judah locks Ravi's mother and sister inside a house and sets it ablaze.

Monty saves Ravi's mother and sister from the burning house and confronts Judah, killing him in the blaze. The hold Judah had over the Verma family is broken, and the truth finally comes fully to light. The danger passes as justice begins to take shape.

Kamini escapes in a jeep and makes a final bid to complete her murder plot at the Kali temple. Monty pursues her to the cliff edge; Kamini attempts to push him off, but Monty jumps away, causing Kamini's jeep to drive off the cliff and meet her death. The last of her schemes dies with her.

With the villains defeated, the Verma wealth and property are returned to Ravi's family. Monty and Tina's romance culminates in marriage, bringing closure to Ravi's legacy and a new life for the couple. Justice and reconciliation finally prevail for the Verma family.