Lets check out theories one by one
Prem – not possible as prem blackmail suman instead of Rajiv.
Tanu & kul – not possible as tanu didn't know where Rajiv was and kul wouldn't have force tanu for money if he was getting money by blackmailing Rajiv on the name of tanu. Also his demand is in lacs of ruppes.
Illegitimate family member – so far as we know from starting of the serial, no family member in the family have an illegal relation. 3 brother danesh, durgesh and vinesh out of question. Their sons Rajiv, jignesh and adesh. Rajiv and adesh no. jignesh? He too is straight forward guy & love his wife shalaka very much. Left two daughters. Tanu and rashi. Both are married to the person they want.
Keeping an eye on house – theory half vanished & half not. Vanished because he himself was worried about his family members. Was saying to suman "how are they at home?" hope everything is fine at home. if he is keeping an eye, then he must know what is going on in the family. Why not vanished because he knows what is going on in the family. But he don't want to give tension to suman and adesh, so hiding the truth from them and giving money to the person who gives information.
Prakar & jignesh – We know what is prakar's intension. Plus he know Rajiv has no proof of his innocence regarding jignesh's factory fire. So he advice jignesh and jignesh on the advise of prakar blackmail Rajiv not directly but through other person by giving threat of police and taking revenge for fire in his factory. As jignesh has no work, no monery and believe that because of Rajiv, his factory got fired. He Somehow manage to get information about Rajiv & come to know that Rajiv is doing a job so he wont be able to give large amount. So ask for a small amount.
Any other theory guys….please let me know your views.