Bhalchandra works in a restaurant in urban Mumbai as a lowly table-cleaner, and is thrown in the deep end of a wretched life early after his father deserted the family. Baalu dreams of opening a small little sugarcane juice shop at his villageas public Bus-Stand. Desperate as time is running out to raise money for it, he invests all his savings in a friend's dubious 'investment scheme'. As the scheme comes a cropper, Baalu loses not only all his money but also his faith. He meets up with Disco, the hustler, who comes up with the right abusinessa for him to recover his lost money from the world - the famous aNigerian SMS Scama.