Karmic Debts is a sensitive portrayal of an Indian woman of the middle class family in a small village in Pubjab. Mohini Tandan has telescoped with amazing perception from traditional orthodoxy to modernity. Based on actual life, it is a story of love, pain and pathos. This thought-provoking novel portrays the under-currents and cross-currents of family ties. It is a deep insight in to the continuously expanding awareness of the India woman to acquire identity and individuality in the male-dominated society. The developments into the context of the British rule in India in the first half century and the dramatic chain of events after the attainment of independence since 1947 provide the historical background, adding a further dimension to the novel. This original contribution of Mohini Tandan is daringly different in style and approach. Exposing the theory of Karma and Karmic Debts and ineer search, it is truly representative of the social and cultural ethos of the times. Besides creating a few memorable characters, the author has sketched a woman in all her tenderness, passion and resilience.