The movie ‘EMI’ dealing with the theme of credit cards and bank loans couldn’t have had more apposite release timing during global recession. In spite of that it fails to create interest for its juvenile attitude towards the subject.

The story of the film initiates in four individual installments. Ryan (Arjun Rampal), a DJ at a nightclub and exists on credit cards to meet his high-end life. Ryan has credit cards of all banks but he refuses to pay them back. Anil (Ashish Chaudhary) and Shilpa (Neha Uberoi) decide to take loans to fulfill their needs ranging from car, home to honeymoon. Chandrakant (Kulbhushan Kharbanda) takes a personal loan for his son’s foreign education. Prerna (Urmila Matondkar) is looking for insurance coverage of her deceased husband and needs money to manipulate the case.

Ryan lies to his girlfriend (Malaika), to his boss; heck, he even gets away lying to Sattar Bhai about his closeness with Prerna whom the Bhai fancies.
 
When all of them are not able to pay back their monthly installments, All India Bank hires a shady recovery agency owned by one Sattar Bhai (Sanjay Dutt) to get its money back from debtors.

Sanju Baba in his nth role as a ‘Bhai’ with a golden heart essentially repeats his Munnabhai act.

While viewers’ thinks Sattar and his team to threaten the debtors, the recovery agent seems to be on a divergently different drive. ‘Bhai’ acts as a marriage counselor for Anil and Shilpa who are on the brink of divorce. He plays agony uncle to Chandrakant whose son steers away from task. He works as a placement bureau for Ryan providing him new job chances. And since the movie missed a compulsory love relationship, Sattar Bhai is made to romance Prerna.

Before now audience know where the movie is heading but the film tagline still inspired them to sit through. All the borrowers are changed beings and suddenly also capable enough to paid off their credits. If it was so convenient to compensate and if recovery agents were so helpful, one thinks where the trouble lied, in first place. And before viewers comprehend, the movie finishes with a note saying ‘take loans responsibly.’

The basic message that EMI aims to provide is how people consent to loans without a foresight and thus end up in problem for lack of planning. But there is considerable lack of planning in the story of the film, mainly during the second half. The answer that it suggests to credit fears is ridiculous and unreasonable. The editing seems to be limp and a few scenes are totally needless.

Performance wise, the movie is an extreme — while Sanjay Dutt, Urmila Matondkar, Arjun Rampal and Kulbhushan Kharbanda are immensely likeable, there are many others, which spoil the show.

Lastly, ‘EMI’ is the kind of a movie that guarantees a great deal through its promos but finally delivers an average product thanks to some really unimaginative writing!