EMI is a well thought out subject, executed well in parts but falls short at the recovery table! While word of mouth will generate good initials, this movie could have raked in the moolah if the script had not gone haywire in the second half. While the first half introduces the characters well, it's the second half that's a bother. The plot goes for a toss with interest in politics and the love angle being brought into Sanjay Dutt's character, Sattarbhai, which has shades of Munnnabhai.
Sattarbhai runs Goodluck, an agency, which recovers loans from defaulters. Hired by the banks, Goodluck's goons go about recovering the loans in a manner only they know best. Hence, you find the central characters of Arjun Rampal, Ashish Choudhry, Neha Uberoi, Kulbhushan Kharbanda and Urmila Matondkar in a fix when they are not able to pay the EMI's
Ashish and Neha take loans for their house, laptop, car and even their honeymoon. Needless to say, there's soon problem in paradise and the EMI's have stopped. Arjun has a lavish lifestyle and he uses his credit cards with no second thought. When it's time to pay up, he does not know how. Kulbhushan has taken a loan to send his son abroad for higher studies while Urmila has taken a loan to pay off a goon who will prove to the court that her husband did not commit suicide but was killed, which will allow her to claim the Rs 2 crore insurance.
Director Saurab Kadra begins well, bringing to the fore pesky bank callers shoving a loan down your throat and recovery agents making the rounds when they default. Arjun, Ashish, Neha, Kulbhushan and Urmila all convey well the angst in their given situations. Malaika Arora Khan who makes her debut in a film, has not much of a role. It's more of an extension to her item girl tag. This was a wrong role for her to make her full-fledged debut. Sanjay spices up the proceedings with his arrival in his own inimitable way. The dialogues are witty and some are sure to bring the house down, and even though the film clocks a decent 2 hours, 15 minutes could have easily been chopped off. The plot drags when Sattarbhai shows interest in Urmila and therein lies the problem with EMI.