Karz

Ravi Verma wins a legal battle against Sir Judah, his dead fathers business partner. Shantaprasad Verma, Ravis dead father, was a rich man in Coonoor, whose property was unjustly usurped by Sir Judah after his death. Ravi gives the good news to his mother, little knowing that Judah has already set contrary plans in action. Ravi has fallen in love with Kamini, a gold-digger working covertly for Judah. Here, Ravi tells his mother that he is going to get married & coming back to get her blessings for him & Kamini.

On their way to Coonoor, Kamini throws Ravi off the cliff near a small temple of Goddess Kali.Two decades later, Monty, an orphan raised by G.G.Oberoi, is a twenty-one-year-old singer fond of a tune Ravi liked, which activates some of Ravis memories subconsciously present in Monty.Monty soon falls in love with a girl identified later as Tina.

While singing a song in his show Monty suffers a nervous breakdown, & is advised a vacation in some remote place. He chooses Ooty (near Coonoor), partly because Tina lives there. There, his inherited memories become intense when he sees all the locations of these memories. Tina tells him that she was brought up by her Rani Sahiba at behest of her uncle Kabira. In truth, Kabira was sentenced to life imprisonment and is about to be released, whereafter Monty wins his permission to court Tina, but learns that Rani Sahiba is Kamini.

Kabira later reveals to Monty that Tinas father learnt some deadly secret about the Kali temple, Kamini and Ravi Verma, for which Kaminis brother killed him. In retaliation, Kabira killed Kaminis brother & blackmailed her to raise Tina with proper education, by pretending to know the secret. Monty has also learnt previously that Ravis mother & his sister were ousted unjustly from their house by Kamini & her brother. He tells the whole story to Kabira, who offers to find Ravis estranged family, with whom Monty is united. Realizing that Kamini is a puppet of Sir Judah, Monty gradually convinces that Ravis ghost seeks revenge.

Slowly, a rift is caused between her & Sir Judah. Finally, in the local school opened by the Verma family, an inauguration of a hall in the memory of Ravi is planned by the school. Kamini Devi has to do the inauguration. Monty & Tina perform at the function, where they dramatise Ravis story.Kamini is horrified to see Ravis mother & sister, and flees.

When Monty confronts her, Kamini confesses to Ravis murder, which the police record; whereupon Judah captures Ravis relatives and agrees to release Tina in exchange for Kamini. Just as the exchange is about to take place, Tina attacks Kamini. In the melêe, Kabira & Monty gain an upper hand. Judah tries to burn down Montys family, but Monty saves them and kills him in a fire. Kamini escapes through the jeep.

Pursued by Monty, she attacks him at the temple, but falls to her own death. In the end, Monty marries Tina.