Karz (The debt) is a 1980 Indian Hindi-language reincarnation thriller film, directed by Subhash Ghai, starring Rishi Kapoor and Tina Munim as leads, also starring Simi Garewal, in the critically acclaimed role of Kamini Verma, the murderous wife from the past life, which won her a Filmfare nomination. It is based on the 1975 film The Reincarnation of Peter Proud.

Plot

The movie begins with Ravi Verma winning a legal battle against Sir Judah who had unjustly usurped Ravi's father's wealth and property after his death. Ravi calls his mother to tell her the good news and that he is marrying his girlfriend Kamini, who unbeknownst to him is a gold-digger working for Judah. On their way home to Coonoor, Kamini rams Ravi over a cliff near a small temple of the Goddess Kali. Distraught at the sudden death of her son, Ravi's mother demands the Goddess allow her son to pay his mother's debt for dying prematurely, while Kamini inherits everything. Two decades later, Monty, an orphan raised by G.G. Oberoi, is a twenty-one-year-old singer who starts to have visions of Ravi's memories triggered by a tune that Ravi used to like.