Hot Money is a story of deceit and debacle. Simran (Nilanjana Bhattacharya) cries rape against her teacher, Rahul Kapoor (Tarun Arora). To make her case stronger, she asks an ex-student, Tanya (Divya Dwivedi), to testify in court against Rahul. However, Simran's bluff is out and it then emerges that Simran, Rahul and Tanya were all hand-in-glove to make money from Simran's rich mother (Kunika). A police inspector, Arjun Chowdhary (Mukesh Tiwari), gets wind of the trio's deal and tries to get a share of the pie. Meanwhile, Simran murders Tanya; Arjun kills Simran; and Rahul and Arjun also die in the end. Sunita Sanyal (Rati Agnihotri) and Mahajan (Tinnu Anand) play lawyers.