Agree with you. It seems that Kumud will never forgive Saras for what he did to her life. He has disgraced her family, as Kumud says he asked for her hand in marriage in the presence of many and he withdrew his word just a day before the wedding leaving them hardly any time to salvage their honour but to grab the alliance from the Dharmadhikaris. She feels indebted to in-laws for saving her family from the embarrassing as well as agonising situation. Had Saras explained the reasons to Kumud, perhaps she would have waited or at least forgiven him. Pushing her into this dismal state, he apologises and sympathises, but this only infuriates Kumud and so she spares no opportunity to snub him.