The conflict in Chapter 3 of NCERT Solutions for Class 11 English is the constant desire of Paul’s mother to attain a financial status which is higher than the current circumstances of the family. Paul’s mother says that one should have the luck to be wealthy, and her family’s debt is due to the misfortune in her marriage. This makes Paul stop hearing haunting voices, and he tries to make his mother happy by proving his luck. He does it by using his psychic powers to predict the winning horse, which forms the central conflict.