EMI: Liya Hai To Chukana Padega

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.

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.

The theme makes a brave attempt to drive across a social message that is very much serious and relevant in todays times. But midway the maker seems to have run out of steam to reach a logical destination or the financiers ran out of moolah. It seems the director was confused if he wanted to drive a social message in the garb of comedy or evoke laughter in the garb of a social message.

All the tracks are very crass. The newly wed couple seems more of boyfriend-girlfriend breakup rather than a marriage breakup. Sanjay Dutt/ Urmila romantic track reminds you of Robert De Niro in comedy-gangster movies. The father-son track seems to a reverse of Baghban.

The only good thing is it gives you an insight how the industry operates.

And the end? Where did it come from?

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 - Liya Hai Toh Chukana Padega!) is a comedy film directed by Saurabh Kabra and starred Sanjay Dutt, Arjun Rampal, Urmila Matondkar, Ashish Chaudhary, Neha Oberoi and Malaika Arora.

Criminal don-aspiring politician Sattar Bhai runs a collection agency he uses unconventional methods to make four defaulters repay their debts.

A film made with a good plot and good story falters due to primarily bad execution and poor editing which makes the film dull, slow and boring and despite of marvelous acting by Sanjay Dutt the film fails to entertains much.

The first half of the film and the character introduction is superb and the film runs with a decent pace but the film starts crumbling in the second half as it seems that the director was in a hurry to finish the film, the climax of the film could've been at-least 15 minutes longer to give the film a decent closure.

Acting in the film is good and the music is also good songs like "Aaja aa bhi jaa" and "Chori Chori" were a hit at the time of it's release.

Overall an average film which could've been better with little more crisp editing and better climax. The film can be watched once.