Kokila along with the aunt n cousin are at fault the only good thing about kokila she hasnt made any deal, she just wanted the best for her kids n family, anita fitted into ahams lifestyle whereas not his family kokila biggest fear was that she would have been sidelined as a mother in law eventually. Kinjal had the perfect ristha he was perfect too perfect just like umang he probably had skeletons in his cupboard.
coming back to urmilla n Aham urmilla deserves it because shes a greedy woman n a theif but aham in a way yes instead of helping his sister he gave hubby money n walked away instead of advising him n her, he could have easily said kinjal come to work at modis mom objects to dhawal but why not kinjal then she would have been out of urmillas reach n dhawal only had to deal with urmilla.