Total Dhamaal starts with a different storyline from Dhamaal and Double Dhamaal. Guddu (Ajay Devgan) and his partner Johnny (Sanjay Mishra) steal ₹500 million of black money from the Police commissioner of Mumbai (Boman Irani). As they put the suitcases containing the money in a car, Pintoo (Manoj Pahwa), who is driving the car, double-crosses Guddu and Johnny, running away with the money. After that we are introduced with the other characters of the movie – Bindu Patel (Madhuri Dixit), Avinash Patel (Anil Kapoor), Lallan (Riteish Deshmukh), Aditya Shrivastav (Arshad Warsi), and Manav Shrivastav (Jaaved Jaffrey). Adi and Manav are the only characters the same as the prequels.
One month later, Pintoo plans to leave the country but Guddu and Johney catch him. While running from them, Pintoo gets onto a private plane but the plane crashes as the pilot of the plane was a cleaner. The plane crashes and Guddu-Johnny, Avinash-Bindu, Lallan-Jhingur, and Adi-Manav meet Pintoo at the spot of crashing. Here Pintoo reveals that money was hidden in the Janakpur zoo. All of them commences the journey to gain that money separately. The story goes on with their adventures until they reach the Janakpur.
All of them reach Janakpur at the same time along with Police Commissioner where they found that a man named Chinappa Swamy (Mahesh Manjrekar) wants to illegally close down the Zoo and attempts to kill all the animals. He kidnaps the zoo caretaker Prachi (Esha Gupta). Guddu-Johnny, Avinash-Bindu, Lallan-Jhingur, and Adi-Manav save the animals. Chinappa Swamy caught them to save the animals and attempts to kill all of them. But the animals save them. Finally, they get rid of Chinnapa Swamy and decided to divide 6 equal parts of 500 million rupees with 5 parts for themselves and one part for the zoo. Guddu falls in love with Prachi.