 EMI is a raucous, digressive comedy, offering some laughs and for real life loan defaulters, it mocks and celebrates. On its course, there are some bittersweet experiences of personal lives on individuals caricatured.
EMI (Easy Monthly Installments), the innovative title, perhaps you would've foreboded quite a little of substance. Well, it's a flick that doesn't stride much on its theme of bank, loans and defaulters. But has lots of resemblance on panoramas of Munnabhai – a good-hearted gawk; performed by Sanjay Dutt.
Express your appraisals for a great show of concept; but it's just a flattery ennobling same credits for story and screenplay. It's just hop-skipping from realistic theme to clichéd ho-hum masala where a 'Bhai' not just recovers pending loans from deadbeats, but transforming their personal lives too.
 Precisely, if you're there dropping cognizance outside theatres, there are possibilities of enjoying kill-time experience.
Sattar (Sanjay Dutt) owner of Good Luck Recovery Agency is the savior and the solution for all those ever caught in the debt trap. From bhaigiri to business to politics to social work - that's how Sattar wants to progress in life. He has already graduated from bhaigiri to business and is now eager to hump into politics. Most sought after by banks, telecom companies and various multinationals, today his Good Luck Recovery Agency is Number 1 in India. Sattar follows a simple rule when it comes to his business - Loan liya hai to chukao, shaadi kiya hai to nibhao.
Along his way of great principles, he counters some less interesting, equally stock characters of defaulters; young married couple Anil-Shilpa [Aashish Chowdhary-Neha Uberoi], Father-Son Chandrakant-Arjun [Kulbhushan, Kharbanda], Dj Ryan and his ladylove Prerna [Arjun Rampal-Malaika Arora Khan] and widowed Prerna [Urmila Matondkar]…
Will Sattar succeed in using this simple principle when dealing with these disparate characters and cases forms crux of the story?
EMI - A film that'll have ¾ of audiences reflecting themselves on those individualistic characters in frame. Brimming up with an extraordinary theme of 'loan mania' haunting down cosmopolitan cities-to-remote villages, Saurabh Kadra draws special attention. Nevertheless, it's a terrific letdown as he doesn't tread with same efforts on scripting.
 Fine! The first hour goes on establishing characters and their individualistic cases of loans, bank representatives with their tactics magnetizing clients, recovery agents knocking defaulters' doors. But unexpected twist in latter half where auteur departs from the central theme is a mere disappointment. Perhaps, Sanjay Dutt remains as solacing factor turning spotlights on him and it's a great comeback after wretched results of KIDNAP. Arjun Rampal deserves a pat for his brilliant performance; especially his encounters with Sanjay Dutt are fiestas of laughter. Malaika Arora appears just for glamour quotients and she is gorgeous. In the early minutes, while establishing characters, Urmila's tale pulls your attention. But again, mishandled script doesn't let more scopes on Urmila to perform. Her emotional vistas are completely diminished in the following sequences. Ditto to Kulbhushan Kharbanda; father-son bonding goes unimpressive, but his performance deserves appreciations. Aashish Chowdary and Neha Uberoi; they're ridiculous. Manoj Joshi, Snehal Dabhi and Dayashankar Pandey as Bhai's henchmen add more colors to humor ratios.
Getting on with technical aspects, musical scores by Chirantan Bhatt are plainly mediocre. 'Chori Chori' tuned on Arabic style haps to be complete show of alluring Malaika and macho Arjun. Style of filming is quite commendable. 'Roshan Har Dil' offers chest-filled delightedness as everyone's lives transcending while 'Aankhon Hi Ankhon Mein' tops-the-chart.
Valuating EMI on whole; the film carries good values on terms of theme, but lacks solidity in many portions. Perhaps, Sanjay Dutt is the real savior just not on the screens, but for the producers too.
Verdict: Middling piece of work
Rating:**½
| 
- 
