The primary difference between Jaya and Swa is the trust in others and surrender...trust others and trust yourself too and Speak up for what you think is right or required.Jaya is a Sinha for 5 years and follows the path of submission. Swa even when not a Sinha didn't sweep Abhay Simmi matter under the carpet...she thought through the problem and came up with a solution to place the truth before the Parents. It requires clarity and conviction. She felt that the truth has to surface and its better late than never. Infact it is Swa who brought the matter to a closure and the strained relationship was smoothened. It was not due to any Sinha or Ahuja.
What Jaya terms as ZIDD...is the conscience of Swa that is urging rather compelling her to bring the truth out. Whatever Adarsh spat out as KARZ of Swa would otherwise weigh heavily on them and impose unnecessary guilt(atleast in Adarsh and the Sinha mind) that Swa was responsible for Abhay's death.
The Karz statement in my POV was a harsh judgement Adarsh meted out today. he was wrong there though he may be justified.