Jay and Vijay are around 35 years of age and are childhood friends, who went to the same school and later passed out from the same engineering college. Jay settled down for the standard software job and now, 13 years later is in the middle management position and draws a handsome salary. Vijay wanted to be an entrepreneur, started his own company which unfortunately is not doing that great and the performance is inconsistent. He does not have a fixed regular income. Hence, when he approached a bank for a home loan, the bank asked for a guarantor. Vijay approached Jay to help him out, and Jay signed up as a guarantor without much thought.