The focus of the novel is on two Gujarati Brahmin families. The family of Lakshminandan is settled in Bombay, has a roaring business, and is very wealthy. Saraswatichandra, the brilliant scholar-to-be, is born to Lakshminandan and Chandralakshmi. He has a dazzling career to look forward to as he is steeped in Sanskrit and English classics, is a barrister by qualification and has tried his hand successfully at his father's business. The other family is that of Vidyachatur, the highly knowledgeable prime minister of the court of King Maniraj of (the fictional) kingdom of Ratnanagari. To him and his wife, Gunasundari, the lady of tremendous qualities, are born two daughters, Kumudsundari (the elder) and Kusumsundari. Saraswatichandra's mother dies, and Lakshminandan remarries. The step-mother, Guman, is a scheming woman and she treats her step-son with suspicion and dislike. Meanwhile, Saraswatichandra and Kumudsundari are engaged to be married, subsequent to which they exchange letters and fall in love without having seen each other; he, charmed with Kumud's tenderness and similar likes and she, taken in by his vast knowledge and excellent qualities.