Recall Is Raat Ki Subah Nahin. The turn of events in a single night kept you on tenterhooks all through the film. Payback has a different plot line, but like Is Raat Ki Subah Nahin, the story unfolds in one night. But the similarities end there. Frankly, Payback had the ingredients to be a riveting fare, but the mundane writing plays the spoilsport.
I've often said that most Hindi films sound damn interesting on paper. I am sure, the concept of Payback must've come across as fresh and innovative during story discussions, but the film comes down like a house of cards because the interesting idea becomes an uninteresting and unexciting screenplay, which tells on the film eventually. In fact, the film falls prey to predictability as it progresses.
Kunal [Munish Khan], who works for an insurance firm, loves Ishita [Sara Khan], an architect. One fateful night, Kunal meets with a fatal accident. While he lies in a pool of blood, no passerby cares to stop and attend to him. Kunal, still conscious, is losing hope, when Raghu [Zakir Hussain] stops to help him. Raghu admits Kunal to a hospital and disappears into thin air. For Kunal, Raghu is an angel.