Raju Pardesi (Govinda), a poor villager, relocates to Mumbai for a better life. He falls in love with a rich guy's daughter, Chinni (Shilpa Shetty). Chinni's father opposes their love and challenges Raju to acquire INR one crore within a year if he wants to marry Chinni.
Raju has no idea how he will obtain that amount of money. After trying a few places, he is about to give up and go home. He goes to pray at a temple at a railway station and finds a suitcase full of money. Believing this to be the answer to his prayers, he uses the money to invest in a tea plantation.
Raju reaches the tea plantation in Darjeeling, where he meets Karuna (Raveena Tandon), the maid and caretaker of the estate house. Karuna begins to fall in love with the kind-hearted Raju.
He almost acquired the money he needed to marry Chinni when he learns Karuna’s backstory. Raju learns that Karuna’s father used to own the tea plantation. He put the plantation up as collateral to pay the dowry for Karuna’s wedding. However, her father lost the suitcase full of money at a railway station. Karuna’s wedding was called off, her father lost his sanity, and the plantation was foreclosed.
Raju realizes that the suitcase that changed his fortune belonged to Karuna’s father. Feeling guilty, he decides to marry Karuna and cuts ties with Chinni.
Chinni, worried about Raju, comes to the plantation to figure out what is going on. She finds out that Raju is about to marry another woman and is heartbroken. Raju explains why he is marrying Karuna, and Chinni reluctantly respects Raju’s decision. However, Karuna finds out Raju’s true motivations right before the wedding. She tells Raju that he should marry Chinni. The story ends with Pardesi and Chinni's marriage.