Kanji Lalji Mehta (Paresh Rawal), a middle-class atheist Hindu owns a shop of Hindu idols and antiques in Mumbai. He is cursed by Siddheshwar Maharaj when he stopped his son from playing dahi handi. A low-intensity earthquake hits the city, and Kanji’s shop is the only shop that is destroyed.
Next day at the insurance office, Kanji and his neighbour-assistant Mahadev learn that the disaster claim does not cover any damage caused by natural calamities classified under “Act of God”. Running out of options, Kanji decides to file a lawsuit against God but fails to find a lawyer for such a lawsuit. Finally, he meets Hanif Qureshi (Om Puri) and his daughter (Puja Gupta), a poor Muslim lawyer family. Qureshi, a disabled man, helps him file the case as Kanji decides to fight on his own. Legal notices are sent to the insurance company as well as to religious priests, Siddheshwar Maharaj (Govind Namdeo), Gopi Maiyya (Poonam Jhawer) and their group’s founder, Leeladhar Swamy (Mithun Chakraborty) summoning them to the court as representatives of God on earth.
During the preliminary hearing, opposition lawyer Sardesai (Mahesh Manjrekar) asks the judge to dismiss the case. But Kanji points out that religious groups claim to represent God on Earth and speak on his behalf. Hence, they are answerable for his actions. The Judge agrees and the court accepts the case. However, Kanji soon finds himself trapped amongst armed fundamentalists, with his mortgage bank occupying the house, and his wife leaving him. In all instances, Kanji is rescued by Krishna Vasudev Yadav (Akshay Kumar), who claims to be a real estate agent, rides a hot-shot motorbike. Krishna buys Kanji’s house from the bank, but allows Kanji to stay with him.
The lawsuit causes a public outcry. As Kanji and Krishna watch this on TV, Krishna advises him to go to the media and present his views to the public. Kanji’s interview receives wide coverage and public opinion swings in his favour. Meanwhile, hundreds of people, whose insurance claims were rejected due to “Act Of God” show up at Hanif Qureshi’s house and join the lawsuit. Kanji agrees to fight on behalf of all of them. In the next court session, Catholic priests and Muslim Mullahs are also summoned to the court as defendants. However, lawyer Sardesai points out that Kanji has no document that can prove the disaster was an “Act of God”. The judge orders Kanji to present a written proof that will support his claim.