With her mother suddenly divorcing her father and leaving their comfortable home in Kolkata, Nitya finds herself in the new environs of Navi (new) Mumbai.
Finding her bearings, in a new city, letting go of her ambition to study in the USA for her MBA and to begin work at a call centre is tough. She finds it a little easier however to cope with the situation, courtesy her newfound friend, Ritesh Jetmalani.
Ritesh is the nicest guy on the planet, and maybe even in the universe. He does everything with full sincerity. In fact he confesses that he has only two vices, one is that he's always running late (mostly because he's stopped to help someone), and the other is that he loves to eat non-veg food (he swears he'll quit one day). His third vice [which he won't admit] is his passion for girlfriend Kirti Wagaskar, a selfish, but charming young lady looking for a short cut to a better life. (She has him on standby in case she doesn't land a richer catch.)
Nitya's mother Vinita Sen is troubled by her failed marriage. She hopes to find the new start she needs, in New Mumbai. She is befriended by the women in the colony and joins their kitty parties. She knows her daughter is angry with her and blames her for their situation, but believes that this was their best alternative to find their own place under the sun.
Vinita's father had left her some shares and she traces her father's old stock broking house to figure out the maze of the stock market reality. Here she meets Firoz Sethna an ethical but cranky and eccentric stock broker who teaches her the ropes of correct investing. Nitya gets pulled into daily life at the call centre; she and Ritesh develop a wonderful relationship. She tries to warn him that Kirti is using him. Ritesh believes that all human beings are essentially good and says he loves Kirti for her spirit, sure she pushes him around but she won't always be like that, she'll realize how much he loves her and things will change.
In the meantime, the group of kitty party ladies, feel, that Vinita is up to something dubious, they haven't got the gossip on her... And why did she leave her husband anyways? Her house is getting swankier, so is her attire, she keeps meeting a strange man. When Vinita is confronted by these suspicious ladies who imagine the worst of her, she shares her stock market fortunes and soon kitty conversations about TV soaps switch to conversations on Indian business and investments.
Kirti Wagaskar is no ordinary middle class girl; she plans to marry RICH. She hates her elder sister Parimal's life who is a housewife to her grouchy traditional husband, Ganpatrao. Serving Coffee at Costa's, she spends an entire month's salary on a Gucci bag and dreams of landing Yash Modi, a billionaire by birth.
As life's uncanny logic kicks in, she meets Yash and her interaction with him tips the calm of modern colony. Nitya is caught in the cross fire as Kirti plays Ritesh and Nitya to suit her whims.
Yash Modi's father Ketan Modi owns a large share of the financial call centre 'M & M' that Ritesh and Nitya work in. Vinita and her colony friends have recently invested in the company based on news that Yash Modi marriage has been arranged with the daughter of the owner Macmillan financial group.
When Kirti realizes that Yash has no intention of marrying her, she agrees to marry Ritesh. Ritesh knows nothing of Kirti and Yash's relationship. He is thrilled.
With all kitty ladies invested emotionally and financially in the company, Ritesh marrying Kirti is best for everyone and Nitya, despite her feelings for Ritesh, watches the wedding morning arrive in silence. If Yash married Kirti it would break Ritesh's golden heart and spell financial disaster for the colony's new amateur investors, who are banking on the Modi Macmillian tie up, to improve their savings and investing prospective.
Vinita sees her daughter's dilemma and finally tells her the real reason for her coming to New Mumbai. Her husband had left her for a younger woman, and she didn't want her daughter to deal with the pressure or gossip nor did she want to be dependent him. Nitya realizes that her mother getting together with these amateur investors who have switched from watching soaps to watching CNBC, to look for investing opportunities, even if they are "aunties" is cool after all.
Is love is meant to be? How do Vinita and her daughter find their place in the masala of the New Mumbai world, with the stock market fluctuations, kitty parties, soap operas and the changing tides of New India?