The movie EMI revolves round the central theme ‘Liya Hai To Chukana Padega’ (If you have borrowed, you need to return), and the merit of the film being the originality of thought on a pertinent subject of getting the goodies of life on loans – personal, home or credit cards. The debutant director Saurabh Kabra has scored a point with a four pronged story.
The movie EMI begins with the first character Ryan (Arjun Rampal) a self employed DJ who aspires and lives life kingsize and is a habitual defaulter. He happens to meet Nancy ( Malaika Arora Khan), at the disc and falls head over heels at her beauty. The flamboyant Ryan wants her in his life.His craving for a life bigger and better gets all the more stronger. With it his credit limits too soar…..
The second character is Prerna ( Urmila Matondkar) an unemployed widow, who is coming to terms with her husbands suicide. Her objective is to get the insurance amount, post which life would be easy for her and her 5 year old daughter. But she has to prove that her husband did not commit suicide which can be done at a price. She gets into personal loan as a quick fix to this and all her pressing needs…..
The third character is that of Anil and Shilpa ( Ashish Choudhary and Neha Uberoi), a working couple who want to begin their lives together entering into sacrament of marriage. But have a long wish list of having their own home, own car, a laptop and most importantly a foreign destination honeymoon. They end up into personal loans, home loans and credit card payments. Everything seems fine till they decide to call off the relationship…..
The fourth character is that of Chandrakant ( Kulbhushan Kharbanda) a retired father and his only son ( Pushkar Jog), who wants to go abroad for further studies because it’s the current trend. The fathers savings are just not enough to fund the son’s dreams and he is forced to consider a education loan as the only way out……..
All of these characters turn up to be defaulters due to unavoidable circumstances which are of their own making. Enter Sattar Bhai ( Sanjay Dutt) owner of Goodluck Recovery Agency the saviour for those caught in debt trap, most sought after by banks, telecom companies and various multinationals. From bhaigiri to business to politics to social work – that’s how Sattar wants to progress in life. Sattar follows a simple rule when it comes to his business – Loan Liya Hai to Chukao and his cronies following the strong arm tactics.
Will Sattar succeed in using this principle while dealing with the disparate characters?
Director Saurabh Kabra has kept a uniform tempo throughout the movie and has been aptly supported by cinematographer Paramvir Singh. Khalid Azmis dialogues fit the bill. Music is not that great, except for the title song sung by Sanjay Dutt.
Sanjay Dutt rules the roost with his performance and has got into the soul of the character. Arjun Rampal is equally good. Ashish Choudhary is also worth a mention. Malaika Arora Khan is sizzling in the dance numbers. Neha Uberoi is okay. Kulbhushan Kharbanda is class act. Manoj Joshi, DayaShankar Pandey and Snehal Dabhi add the requisite masala.
EMI has a synergy with real to life instances; it may seem to take a deviation from facts. But on the whole does convey the fragility of today’s lifestyles based on EMI’s and to borrow responsibly if there be a need.