Endearing and ebullient, this upbeat drama revolves around Jeetu, who finds himself in debt, and is tired of the aggravation. Adding to the wounds, his father is forced to face harassing visits from money-lenders. Despite the helplessness in terms of paying back their debts, Jeetu's mother and fiancée Pooja believe he can successfully fulfill his task and live happily, but burdened with high debt, Jeetu sees suicide as his only way out of the situation (insurance money for the family).
Unfortunately for him, taking a plunge off a dock into a placid ocean doesn't kill him. He awakens in a boat with two very interesting characters, Gundya and his servant Bundya. As payback for the cost of putting Jeetu in a hospital and saving his life, Gundya and Bundya believe Jeetu owes them a debt. Already overwhelmed by the burden of debt, Jeetu decides to pretend that he is deaf and mute. He then finds himself mortgaged to a wealthy man, Prabhart Singh in return for Gundya's confiscated boat and thus ends up as a servant boy at a mansion in Kolkata.
It is here where he meets Prabhart's beautiful daughter Meenakshi and mute (not dumb or deaf) niece Shruti. After many convolutions later, Jeetu and Shruti fall in love, and Mangal (Shruti's brother and the true head of the family) is ready to have them married, but Jeetu 's past comes back to haunt him. Will Jeetu's luck finally change? Will he succeed in coming to terms with his past and marry Shruti?
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