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Starring Kareena Kapoor
Jeetu (Shahid Kapoor), the son of retired teacher Jaidev Prasad (Anupam Kher), is constantly getting himself and his father into trouble because of his inability to properly manage money and has run many failed businesses. Plunging them both into debt, Jeetu breaks off his engagement with his promised fiancé, Pooja (Sushma Reddy) and decides to commit suicide by throwing himself into the sea. Jeetu thinks that by killing himself, he can do something right for once since his father can use the money from his life insurance to pay off his debts.However, it does not go as planned and Jeetu is found tangled in some nets by a pair of fishermen, Gundya (Paresh Rawal) and Bandya (Rajpal Yadav).
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.
Prabhat takes away Gundya’s boat, the only source of Gundya’s income so that he pays back the money he owes him. The two fishermen visit Prabhat’s house to request back their boat, only to be asked by Prabhat to leave something of value in return as a guarantee. Gundya cunningly makes Prabhat believe that Jeetu is his loving nephew and leaves both Jeetu and Bandya as the guarantee.
Later, it is revealed that Prabhat’s niece Shruti (Kareena Kapoor) is mute too, but not deaf. Her overprotective brother Mangal (Sunil Shetty) wants her to get married, however, her muteness makes her an undesirable match. One night, Jeetu gets drunk, and begins to sing but is caught by Shruti and her cousin Meenakshi (Neha Dhupia) who hear him (and consequently learn of his secret). They promise to keep his secret but in return, he must do something for Shruti. A greedy bridegroom is interested in marrying Shruti only for her wealth; so Meenakshi tricks Jeetu into pretending to be Shruti’s lover, which eventually results in the marriage being broken off. Mangal arrives and finds Jeetu with a love note for Shruti that Meenakshi wrote. Not realising Jeetu is pretending to be mute and deaf, Mangal attacks him and only stops upon being told of Jeetu supposed disability. Regretful, Mangal gives Jeetu a job in his business and Prabhat extends Gundya’s loan time.