Kehta Hai Dil is the story of a family who lives in the small, idyllic town of Anand Nagar. It is the family of Superintendent of Police (SP) Aditya Pratap Singh, Dr. Jaya Singh, and their three children - Karishma, Kunal and Kiran. Karishma loves Dhruv who is her childhood friend. Their fathers have also been friends. SP Aditya tries to expose the corrupt town mayor Bhandari and his wife Lalita Devi. To take revenge, Lalita makes her elder son Nikhil befriend Karishma and then makes the media print a fake report alleging that Karishma is having an affair with Nikhil. This forces Karishma to marry Nikhil. It is only after they are married that the Bhandaris' lies is revealed. A devastated Karishma vows to take revenge on every single one of them. The story follows Karishma as she extracts her revenge and exposes the Bhandaris.