ham aapako yah bata de udhaar upanyaas poorn roop se kalpana par aadhaarit hai. is upanyaas mein saare paatr kaalpanik hai. inaka jeevit ya mrt vyakti se kisee bhee prakaar ka koee lena dena nahin hai jaisa ki sab jaanate hai. jeevan ke do pahaloo hai, nakad aur udhaar. kaha to yah bhee jaata hai. nakad vaale disko, udhaar vaale khisako. aajakal kisee ko udhaar dena ek gunaah saabit ho raha. udhaar maangate samay udhaar lene vaala rota hai. lekin udhaaree ka apana paisa maangate hue, udhaar dene vaala rota hai.