EMI: Liya Hai To Chukana Padega

"liya hai to chukana padega"that's the catch fraise of the movie.The story is about bank loans.Debutant director Saurabh Kabra picks up incidents from real life and depicts the pros and cons of availing loans. In this film, four different stories run parallel, plus there's a 'Bhai', who not only recovers outstanding dues from defaulters, but also sorts out their personal lives.Unfortunately the story lacks a lot.Starting is good but then goes haywire.It's a typical masala movie of how a "bhai" helps people's problems.To cut a long story short, EMI loses focus midway and hence, loses balance. Watch it for Sanju's sake, who plays the lovable 'Bhai' with flourish. The music is very good especially chori chori dekhe mujko.The performance of Sanjay Dutt is outstanding,the other's do their part well.Sattar (Sanjay Dutt's) sidekick to their part with ease and are very enjoyable. Overall this movie lacks power but give it a watch for Sanju's sake.

The movie narrates different stories about how different people decides to take bank loan as per their requirement and finally ended up by becoming defaulters. They cannot pay their instalments in due time because of their situations. Finally recovery officer comes in the picture to chase them and to make them to pay instalments. Here it is good to see how recovery officer make these defaulters to pay their instalments. It has been also made clear that how people are taking bank loans by going ahead than their capacity and increases their liability. It also shows how banks are giving loans without any status check and strict criteria and finally comes in trouble when clients are not able to pay as their situation worsens. It shows that how good recovery officer, with good counselling and using proper way, can solve problem of these people and make these defaulters good clients. So here subject is new and good as per today's EMI culture. Though the subject is good but still it is lacking a good script and good music.

Sanjay Dutt did very well as a recovery officer and suits the role. Urmila matondkar also looks good in her role. Kulbhushan Kharbanda is also good. Rest is OK as per their role.

So over all it is a good one time watch.

The premise is interesting and the idea behind the concept is innovative but the film itself fails to make the point it sets out to make because the focus shifts from one plot point to another and heads down the pathway of clichés. The humour works for the most part, especially in the first half, and that's about the only thing that works for 'EMI'. While the story focuses on intertwining lives through their loan dilemmas, their subplots are hackneyed. The performances are overall decent in spite of their half-baked characters. Sanjay Dutt plays a part that he has played in at least about fifty different other movies. Kulbushan Kharbanda, Aashish Chowdhury and Arjun Rampal are alright. Pushkar Jog makes a decent debut. Urmila Matondkar is wasted. Overall, I'd only suggest 'EMI' if you have absolutely nothing else to watch or if the other options include trash like 'Blue', 'Love Aaj Kal' and whatever because at least you cna look forward to a few minutes of laughing.

EMI is the story of several unrelated people and their bank loans. Ryan (Arjun Rampal) is a charming good-for-nothing DJ, who loves beautiful but demanding women, as well as a luxurious lifestyle he can afford only thanks to banks giving him one credit card after another. Chandrakakta (Kulbhushan Kharbanda) is an elderly gentleman whose love for his only son is unlimited, and who takes a huge bank credit to finance his son's studies in London, merely because the latter wants to "explose his life path". Anil (Ashish Chaudhary) and Shilpa (Neha Uberoi) are a young couple who believe married life should start with a minimum amount of wealth, and therefore borrow a lot of money for their wedding, their honeymoon, an apartment, a car, and a laptop. Prerna (Urmila Matondkar) is an elegant young woman, whose husband committed suicide, and because she is not entitled to any insurance money, she cannot maintain herself and her 5 years old daughter anymore.

After a year, all these people are in deep trouble, because they cannot repay their debts. Sooner or later, they all fall prey to Sattar Bhai (Sanjay Dutt), a merciless gangster who owns a recovery agency. Sattar, however, has a major problem: he wants to be a politician, and therefore has to take his mentor's advice: "Treat people with respect, so that they will respect you as well. Then you will win." Thus, instead of having his goons beat up his poor, insolvent clients, he decides to help hem out.

The subject of EMI (Easy Monthly Installment) is far from pleasant: the ongoing credit crisis is proof enough of what can happen when people massively take loans they can't pay back later. That is also the morale of the story: be careful with loans! Yet, EMI is a pleasant and fairly uncomplicated feel good movie, taking the loans problem from a rather optimistic angle.

Sanjay Dutt is great as always, although this is obviously not a particularly challenging type of role for him. If you need a friendly gangster, take Sanju Bhai. More than once, I couldn't help feeling like I was watching Munna Bhai 3 (or 4, if you include Hum Kisi Se Kum Nahin), although it should be said that EMI is not as good as the Munna Bhai movies. For the rest, Arjun Rampal does a great job and makes his part into something really interesting, Urmila is beautiful and fascinating, Kulbhushan gives an impressing performance as the honest, static father of a somewhat spoiled son. From the entire cast, I can't really think of anyone who did a poor job in this movie. Even Malaika Arora did not spoil anything.

The movie has a few great moments. I particularly like the scene in which Ryan teaches Sattar, hopelessly in love with Prerna, how to behave at a romantic dinner ("You don't have to kill the chicken, it is already dead!"), and the scene in which Sattar is feeding his sidekick "Decent" huge amounts of alcohol to find out what he really thinks.

All in all, EMI is not too ambitious and quite predictable, a tad moralizing as well, but sympathetic and well-performed.

Indian cinema seldom gets the pairing right. More often than not, it is an over 50 hero romancing a 20-something, good enough to be his daughter.

Sanjay Dutt and Urmila Matondkar is one of the few instances when Indian cinema got the casting right. Both match up to one another in charisma, screen presence and sex appeal. Both are tremendously underrated actors. Both excel in doing difficult roles. No wonder, we get a good looking pair with crackling chemistry. That Bollywood failed to utilize them more is very much on expected lines.

That being said, for the discerning audience it will be easy to notice the three times Sanju and Urmila were actually paired, they were all movies with different themes and treatment. Besides, the music in all three of them were good.

Daud was a spunky, road movie with the duo in their best looks. AR Rahman experimented with the music, and served up a variety which the audience failed to understand, especially considering they were yet to get over Rangeela.

Khoobsurat was a romantic comedy, with some beautiful music by Jatin-Lalit.

Then, there is EMI. The track between Sanju and Urmila is short, but involves a mature romance, a rarity in Indian cinema. There is a certain class appeal about the manner this story unfolds, peaking with Mohit Chauhan's power-packed ditty Kitni Baatein...

The movie has a unique story, and the director handles it decently. However, considering the producers didn't promote the movie at all, it was a disaster.

Personally though, I like the manner in which Sanju has portrayed Sattar, despite making an arrival only before the interval. Besides, his romance with Urmila is maturely handled and makes for great viewing.