Kanji Lalji Mehta (Paresh Rawal), a middle-class atheist Hindu owns a shop of Hindu idols and antiques in Chor Bazaar, 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.