- A socially-criticized, financially-cornered girl becomes an outlaw to dodge the situation.
- Praful Patel (Kangana Ranaut) is a mid-30's divorcee in the US, working as a housemaid for a hotel chain. She is trying to get a mortgage to move out of her parents' house. Her parent's father (Hiten Kumar) & mother (Kishori Shahane) are angry with Praful for not marrying again.
She has applied for a loan. Out of frustration, Praful agrees to go with her cousin Amber (Aneesha Joshi) for her bachelor party in Las Vegas. She visits a casino and an Indian helps her learn baccarat and she ends up winning $ 2,000. She meets Adam (Mark Justice), a cute Californian, whom she is attracted to, she goes to his room, but doesn't have sex as he doesn't have protection. She visits the baccarat table again and this time ends up losing $8,000, including the money she was saving up for her mortgage.
Her mortgage is declined, due to her bad credit rating. Praful seeks her father's help, but he insists that she should meet a young man named Sameer (Sohum Shah) who has been selected as her suitor. Finally, upon her dad's insistence Praful meets Sameer, a nice Gujrati boy and likes his honesty. They connect a bit more over the next few weeks. She has mixed feelings about marriage and agrees to get engaged.
However, her addiction to gambling takes a toll on her and Praful gives her last shot to gambling and goes back to Vegas. Praful ends up losing even more money. Praful unknowingly takes a loan of $32,000 from a loan shark. She loses that also.
Praful tries to explain to her father her bad situation and needing his financial help, but in fear of retaliation and hostility, she is reluctant. Her parents want her to begin her wedding preparations and plans with Sameer, who by now gets impressed by her personality.
At a relative's wedding, Praful and Sameer meet again and dance, and get to know each other. As things improve, the loan shark chase down Praful and threaten her for $50,000 payment on her loan. Praful is petrified. Her dad refuses to help her as she won't say what she needs the money for. Her credit cards start to be declined.
Praful is desperate and breaks down in front of a gas station attendant & ends up stealing money from him. She disguises herself by wearing oversized sunglasses and a hood. She collects only $10,000 in her attempt. Now she gets this great idea to steal money from banks. She assumes the identity of Simran (after watching DDLJ) and the name sticks. She is also called the lipstick bandit as her robbery notes are written with her lipstick. Once, she tries to confess her crimes to Sameer, but he simply laughs it off.
Mike Mehndi (Rupinder Nagra) is Praful's manager at the hotel and tries to come on to her. Praful rebuffs him badly. Then the loan shark shows up at the hotel and threatens her for the payment. Praful is only $8000 short. She has hidden her money in the hotel locker. She is suspended from work due to the loan shark appearance and finds that her locker money has been stolen. Mike admits that he has stolen the money.
Finally, Praful fronts up to her loan sharks and they agree that she had the money, which was stolen by her manager. They give her an offer to join their gang as they know of her identity as "Simran", but she refuses. Sameer watches Praful having this meeting and after it Praful tells him the truth. Sameer leaves and Praful thinks he has abandoned her. Praful finally robs the bank which denied her the mortgage and heads to Vegas to pay off her sharks. But finds that Sameer has put money into her account. This is the money he had saved for his MBA education.
Praful changes her plan and meets Sameer to pays him off. The mortgage bank identifies Praful to the police and she is chased down, but she escapes. Mike Mehdi is arrested for being in possession of stolen bank money. Finally, Praful surrenders to the police. She is sentenced to 10 months in prison. She then sold the rights to her story to a Bollywood producer for $50,000.
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