The story begins with unemployed Manu (Ajay Devgan), from Bhagalpur in search of money to finance his new business as he has lost his earlier job at a jute mill. On his quest, he visits Neeru (Aishwarya Rai) in Calcutta, to whom he was engaged six years ago. During the rainy evening, the couple reminisce about their former love and how each ended up in their current situation.
Neeru pretends to lead a happy and prosperous life. She gestures to her former lover during various instances, particularly when the door bell rings and she persuades Manu not to open the door. They go on talking about their past and present with multiple flashbacks.
The raincoat comes to play when Neeru wears it to go out and fetch some food. The landlord (Annu Kapoor) speaks of the real situation of the household, and prompts Manu to give his borrowed money as rent for the house. Manu leaves a letter under the bed sheet explaining things. When Neeru returns he does not say anything about his encounter with her landlord. After some time Manu leaves. Later, when he puts his hand inside the pocket of his raincoat, he finds a pair of gold bangles that belonged to Neeru, along with a letter saying that she had a lot of money and he should have told her about his financial situation. She had actually read a letter that was inside the raincoat that informed her about Manu's condition.
Who does Neeru persuade not to open the door?
Manu