She never let go him. He was within her all this time which is why their physical togetherness was never necessary or important. She entered in to the first day of her so-called happily married life, it was meant to be a new beginning but not once did she let go of that white cloth. She needed Saras with her to give her that strength.
I'm sure her one line of repentance melted any anger everyone must have had towards Kumud. In her final moments, she was remembering Saras only. She was being punished for not listening to him.
When he wrapped both together, there was proximity and intensity but it wasn't meant to be about any romance. She was pleading guilty and seeking forgiveness even then. That was the beauty of the scene <3 It truly defined what Saras and Kumud mean to each other.