Ram Kumar Verma is an honest albeit unsuccessful Insurance Agent. His poor performance and a quick settlement for Renu and her mom gets him transferred to Madhya Pradesh. During the train journey he comes across Nathu Singh, and thinking that Nathu is an emperor of sorts, gets him to insure himself for Rs.5 lakhs, to which Nathu Singh agrees. Ram Verma returns to his company and is heartily congratulated by his Manager and the General Manager even throws a party for Ram. Subsequently, the Manager realizes that the person Ram has insured is actually a wanted dacait and thug commonly known as Daku Nathiya, wanted by the police dead or alive. Fearing the collapse of the insurance company, the Manager coerces Ram to return to Madhya Pradesh and get Nathiya to cancel his insurance policy. Ram, in the interest of the insurance company, readily agrees and on the way to meet Nathiya, ends up saving Nathiya's son from a burning house, thus earning Nathiya's and his woman, Champa's gratitude. ...