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.
Sadly,
the
story
doesn't
do
justice
to
its
title.
It
starts
on
an
interesting
note,
but
transforms
into
atypical
masala
film,
where
the
'Bhai'
plays
the
good
Samaritan
and
even
solves
personal
problems.
Wait,
the
recovery
agent
too
falls
head
over
heels
in
love
with
one
of
the
defaulting
members
and
much
of
the
second
hour
is
devoted
to
it.
Clearly,
the
story
starts
off
on
a
different
note
and
ends
up
being
something
else
altogether!
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.
Sattar
[Sanjay
Dutt],
owner
of
Good
Luck
Recovery
Agency,
is
the
saviour
and
the
solution
for
all
those
caught
in
the
debt
trap.
From
Bhaigiri
to
business
to
politics
to
social
work
--
that's
how
Sattar
wants
to
progress
in
life.
He
has
already
graduated
from
Bhaigiri
to
business
and
is
now
eager
to
jump
into
politics.
Most
sought
after
by
banks,
telecom
companies
and
various
multinationals,
today
his
Good
Luck
Recovery
Agency
is
a
leading
recovery
agency.
Sattar
follows
a
simple
rule
when
it
comes
to
his
business
--
Loan
liya
hai
to
chukana
padega.
But
will
Sattar
succeed
in
using
this
simple
principle
when
dealing
with
disparate
characters
and
cases
like
Anil-Shilpa
[Aashish
Chowdhary-Neha
Uberoi],
Chandrakant-Arjun
[Kulbhushan
Kharbanda],
Ryan-Prerna
[Arjun
Rampal-Malaika
Arora
Khan]
and
Prerna
[Urmila
Matondkar]?
Money
crunch?
Need
a
house?
Looking
at
a
car?
Wanna
travel
abroad?
Pick
up
a
loan
for
just
about
everything
today.
The
pesky
calls
at
odd
hours,
the
sweet
talk
and
rosy
picture
painted
by
financial
institutions,
before
you
pick
up
a
loan
--
EMI
picks
up
stories/incidents
from
real
life.
Interesting!
But
EMI
does
a
somersault
as
it
deviates
from
fact
to
fiction
and
follows
the
beaten
path
in
its
second
half.
And
that's
when
the
film
slips.
While
the
writing
clearly
lacks
dum
in
the
post-interval
portions,
a
few
scenes
do
register
an
impact,
courtesy
Sanju.
Director
Saurabh
Kabra's
choice
of
the
subject
in
perfect,
but
the
writing
gives
away.
Chirantan
Bhatt's
music
is
strictly
okay.
Dialogues
are
strong
at
places.
After
a
lacklustre
performance
in
Kidnap,
Sanju
is
in
elements
in
EMI.
Remove
him
from
the
film
and
the
movie
would
fall
to
abysmal
levels.
Arjun
Rampal
is
natural.
Urmila
doesn't
really
get
scope.
Malaika
looks
alluring,
that's
it!
Aashish
Chowdhary
and
Neha
Uberoi
don't
look
too
believable.
Kulbhushan
Kharbanda
stands
out.
It's
the
goons,
the
Bhai's
henchmen,
who
add
spice
to
the
goings-on,
especially
Manoj
Joshi,
Snehal
Dabhi
and
Dayashankar
Pandey.
On
the
whole,
EMI
has
its
share
of
interesting
moments,
but
they
are
few
and
far
between.
Disappointing!