1. In the film it is shown, that on a fit of despair, Sudeep just says once that, Chhaya should get married to Modi, after Modi dies, they can reunite. It was not as if they both sat and plotted a scheme or outlined a plan. After that day, Chhaya never met Sudeep and remained at home contemplating, and then took a decision to instantly agree for marriage to Modi, at a fit of rage/disappointment and for money of her brother's foreign studies. After that she did not even feel her duty to repay her half of the loan, which she and Sudeep had taken for the apartment. After marriage, she became the perfect wife. Went to kitty parties, to holiday trips to cool village, but yet remembering in sub-conscious about the simple man, she left for money. Sudeep on the other hand was toiling to make both ends meet to repay the debt and at the same time feeling dejected and frustrated about his love's labor lost.
Now the other angle. 2. Mr.Modi (who is almost 50-55yrs) is the person who knows he does not have much time to live, yet he decides to hire his dead wife's look-alike Chhaya (19 yrs old) as a typist in his office. He is selfish and only thinks about his own enjoyment/companionship until his death. He asks Chhaya to marry her, fully knowing that Sudeep and Chhaya were in love. After marriage, he tries to act God by showing off, of helping Sudeep with his debt. And the most meaningless action of this character, is he left his wallet, trying to be a sacrificing man, who can let his wife go, if she wants to (in the end). Come on! if he is that much let-go-er, they he should not have married Chhaya in the first place. And to top it all, in the end, he goes with his wife to station and says to Sudeep, that he has lost the battle of love because Sudeep wanted short-cuts!! May be his heart-blockage is causing delusion about himself.
Both, Chhaya and Modi in the end made Sudeep feel, as if he was the one walking the wrong path. I must say to Sudeep, Chhaya does not deserve you. She is one of those girls who act very innocent yet they exactly know what they want.
I am fine with the movie, as long as it is not sited as Modi and Chhaya are the perfect couple with Indian (pseudo) values, which I think the writer/director wanted to show in the end. On the contrary to the regular audiences' belief, for me this movie has a very negative ending, which only shows shortcut success of ambition of Ladies and Rich Men.