Sorry for the drastic title, but I think I have figured it out....
Facts known:
- It was raining heavily that night
- Jai paid the mechanic to fix the car and gave him a big tip on the night itself
- Jai was in police trouble as a result and also went to court
- Connected to Bani
- Room 103 and the operating theatre in Rustamji Hospital was where the accident people came in
- As a result of the accident, Roshni was badly injured
- Roshni said Bani's mum/family had diabetes
- Nisikant Dixit donated 10 Lac to Rustumji hospital, which was from the same bank that the cheque Roshni had in her room was from
- As a result of the incident, Roshni and Jai's engagement was canned
I have been thinking about this and I reckon the Raaz is that Jai and Roshni had an accident and did kill Bani's mum, who was in there with her dad. Once the accident occurred, the injured – Bani's mum and Roshni were taken to Rustamji hospital. Once there, Bani's mum died, possibly because her diabetes caused complications of some kind. Therefore Bani's dad started a case against Jai and Roshni for her murder.
Once the case was underway, Jai and Roshni must have bribed him with the 10 Lac and therefore he took the case back. Then he may have felt guilty for trading his loving wife for money and so he gave the money to the hospital where she died. Jai and Roshni would have found this out and assumed he wanted more money or were scared he may come out again, which he refused. Bani's dad's guilt however lingered and therefore he took to drinking and gambling.
That is what I think happened…. There are however a few holes….. if this was the case, why do Roshni and Jai think poorly of Bani's dad. And moreover, why does that mean Jai and Roshni couldn't get married….
If this is the case, then I think once the Raaz comes out, maybe it will be good for Pia, who will realise that love means more than money….. or she could take it the opposite way!
Anyway… my two cents worth……
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Actually, after watching the 21st episode again, I have decided this can't be the correct thing as in that the date of the cheque being given to the hospital is the 19th (not the 29th as I originally thought)..... This means the raaz is something else.....
Actually I suddenly had an idea after watching the 22nd episode, where Jai says he doesn't want Bani to find out how Bani is connected to him in the past.... What if the raaz is more longer term. In the first few episodes there is mention of the fact that Bani's mum was from a rich family but married her middle class dad and that Jai's and Bani's mum's family were close. So what if the raaz is actually something along the lines of that Bani's mum's family told her that to get this property she would have to leave Bani's dad. She did this (and maybe sent Bani's dad a cheque which he donated), but then was killed in the accident that Jai and Roshni had. .... no actually even that doesn't make sense..... SO CONFUSED!!