Karz  is a 1980 Hindi thriller film directed by Subhash Ghai.Monty discovers the shocking truth about his past life when he was killed by his gold-digger wife, while his family was rendered homeless. Supported by his lover, he decides to set things right.Ravi Verma wins a legal battle against Sir Judah, his dead father's business partner. Shantaprasad Verma, Ravi's dead father, was a rich man in Coonoor, whose property was unjustly usurped by Sir Judah after his death. Ravi gives the good news to his mother without realizing that Judah has already set contrary plans in action. Ravi has fallen in love with Kamini, a gold-digger working covertly for Judah. Here, Ravi tells his mother that he is going to get married & coming back to get her blessings for him & Kamini. On their way to Coonoor, Kamini throws Ravi off the cliff near a small temple of Goddess Kali.Two decades later, Monty, an orphan raised by G.G.Oberoi, is a twenty-one-year-old singer fond of a tune Ravi liked, which activates some of Ravi's memories subconsciously present in Monty.