Chapter II of Cuff's narrative is a report citing clues and asserting that Godfrey was smothered by a pillow by the Indians who wished to gain the Moonstone. The Indians entered the room through a trap door. A piece of gold thread, manufactured in India, was found in the room. The Indians were traced to a steamboat that left London on the morning of June 27 bound for Rotterdam.

Chapter III continues the report, stating that Godfrey led a double life: that of a philanthropist and that of a "man of pleasure" under a different name. Cuff has discovered that Godfrey lived sumptuously on the trust fund of a minor for whom he was acting as trustee. The minor's eighteenth birthday was to occur in February of 1850—at that time, Godfrey would have to sign over the money he had already spent. Godfrey was thus in need of money on the night of Rachel's birthday and had first hoped to get it by marrying her, but she turned him down. Mr. Candy asked Godfrey to administer the laudanum to Franklin, and he agreed.

Chapter IV consists of the report of Mr. Luker's statement. Godfrey told Mr. Luker of how he, Godfrey, had noticed Franklin enter Rachel's room on the night of her birthday. When Franklin returned, he noticed Godfrey in the hall and called to him. He asked Godfrey to take charge of the diamond and put it in his father's bank. When, the next morning, Franklin clearly did not remember his actions from the night before, Godfrey took the diamond.

Chapter V reports that Luker consented to lend Godfrey money in exchange for the Moonstone. Godfrey could redeem it in a year's time with 3,000 pounds. A year later Godfrey was able to redeem the gem with the money left to him by an elderly charity woman. He had planned to take the gem to Amsterdam and have it cut up and sold. Instead, the diamond is with the Indians on a boat set to dock at Bombay. Cuff has alerted the Bombay authorities, who will board the ship as soon as it enters the harbor.

Analysis

In the fifth narrative, told by Franklin Blake, Sergeant Cuff is reintroduced to the story—indeed, he has come out of retirement to resume the case. Sergeant Cuff's dismissal and retirement in the First Period of the novel was somewhat surprising: the beginning of the novel sets us up for a mysterious case to be solved not by the bumbling Seegrave, but by the famed Sergeant Cuff. However, Cuff is soon found to be on the wrong trail and is dismissed from the case by Lady Verinder, in an abrupt departure from the novel's implied plan. Thus it is interesting to note that The Moonstone, which paves the way for the English-language tradition of the detective novel, also features a fallible detective—as Cuff himself puts it, "It's only in books that the officers of the detective force are superior to the weakness of making a mistake." Collins's real-minded attitude toward the character of Cuff, as evidenced in this quotation, is consistent with his treatment of other characters as well—Franklin and Rachel, for example, are not afforded the idealistic, sentimental depictions of other heroes and heroines of Victorian novels.

Cuff reappears in these final chapters to see the case through to the close, and his correct suspicion of Godfrey Ablewhite is by this time unsurprising to us. Godfrey has been shown to be hypocritical and capable of leading a double existence in the narratives of Miss Clack and Mr. Bruff. Additionally, he is shown to be in search of money, thus supplying a motive. The setting and circumstances of Godfrey's murder suggest his duplicitous character. The name of the pub, "The Wheel of Fortune," is appropriate to a gentleman who has secretly run out of money, and the disguise that Godfrey wears are a symbolic representation of his own double life.