Rahul Malhotra (Aamir Khan) is the manager of the heavily in debt family business. He is also the guardian of his dead sister's mischievous kids. Rahul hires Vaijayanti (Juhi Chawla) as governess. Vaijayanti is a runaway from home as she does not want to marry the man her orthodox family has chosen for her. Predictably, Rahul and Vaijayanti fall in love. Maya (Navneet Nishan), a rich girl in love with Rahul tries to ruin his family and his business, but all ends happily.

99 is an original story inspired by real events - well, very liberally inspired - it is more fiction than fact. It is the story of two men in two cities, who are bound by a common feeling of always being stuck at '99'. They never seem to make it to a 'century' - in life. It is an unpredictable and hilarious ride spread over two cities with colorful characters, unbelievable circumstances, small-time crooks, big-time conspiracies, fateful car crashes, a briefcase full of money... and a historical controversy brewing in the background!