Okay, so there are a million theories out there, and here's mine
First of all, what is this about it being a rape/abuse story. That's ridiculous. It doesn't make any sense at all. The protagonist is supposed to have a few grey shades, but making a story like that would make him completely dark. And then he ends up marrying the daughter of the girl he raped? That would make him sick 🤢
SO, MY THEORY:
When Jai and Roshni (I imagine they were a little tipsy and it was raining heavily) were driving one night, Jai hits a woman, and lo and behold, it is Bani's mom. He brings her to the hospital, but the woman dies on the table. So, for absolution, Jai finds the husband of the unknown woman, and he gives him 7 lakhs, which Bani's father later donates to the hospital his wife died in. He knows Jai is absolutely guilty, that's why he knows he will take good care of his daughters when Bani's father dies.
As for the blackmailer, it is definitely not Roshni or Ranvijay Chopra. Did you guys notice that the blackmailer called Jai "Mr. Walia"? Why would his peers call him Mr. Walia (or maybe he was just making fun of Bani, but I don't think so). It is someone who doesn't know Jai on an informal basis, that's why usage of the name Mr. Walia (Tony the butler or the mechanic are pretty decent guesses)
So what do you guys think?
PS- I cannot wait for what happens tomorrow, but I get the feeling the raaz will come out on Friday instead of Thursday. Ekta always advertises that something is going to happen on a particular day, and the episode ends right before something interesting is about to happen.
Naina