A debt-ridden young man Jeetu (Shahid Kapoor) decides to commit suicide to allow his father to collect insurance money. Unfortunately, he is rescued by two fishermen, Gundya (Paresh Rawal) and Bandya (Rajpal Yadav). Gundya owes money to a Gujarati businessman, Prabhat Singh Chauhan (Om Puri) and he hatches a scheme to exchange Jeetu for the money he owes. Jeetu does not want to reveal his impoverished state, and therefore pretends to be mute and deaf. A hilarious sequence of events follows...