The 'loan culture' has caught on in a big way. A majority of people have availed of assorted loans, at some point or other. That makes EMI relevant, identifiable. 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.