I agree with your take.
Kunal's second bro seems frustrated with him for more reasons than just money (is it just me who thinks so?) I mean, the way he was trying to compete with Kunal for getting a suit for Anand seemed weird. Maybe he just doesn't like Kunal much now.
Where his Dad is concerned, I felt the character to be very real. Even in the promos, he was shown saying- "Duniyadari bhi to zaroori hai na!" Agreed! He is just worried about Kunal cos he can see clearly that his son's streak of following his heart and not being practical have left him nowhere in life. He needs to seek out a middle route- its important! I'm interested to see the flashback now.
Liked the whole bit of the man coming to give Kunal money back cos he saved his shop. Nice touch. But why do they keep repeating the dialogues again and again, it would be nice to let the scenes speak for themselves, I suppose. :-)