Gundya owes money to a Gujarati businessman, Prabhat Singh Chauhan (Om Puri). They find a note containing people's names with the amount written next to the name in Jeetu's pocket, which makes them mistakenly think Jeetu is rich and has lent money to these people, rather than in debt. Jeetu does not want to reveal too much, and therefore pretends to be mute and deaf. Back home, Jeetu's family is denied insurance, stating unconfirmed death (owing to a lack of body), putting them in a difficult situation of repaying Jeetu debts.