The borrowers, con man Arjun Rampal and his wife Mallaika Arora, divorcees Neha Uberoi and Ashish Choudary, Khulbushan Kharbanda, an old man who had taken loan for his son’s education, Urmila Matondkar who borrows to pay off a goon who can help the bank settle insurance money of her dead husband are all held up in debt trap and Sattar Bhai’s job is to take back the money. However Sattar Bhai uses the Munnabhai formula, empathises with the borrowers and teaches them a thing or two about managing finances. But the sad part is that he is not accurate it. Many a times, the movie deviates into a silly romance between Sanjay Dutt and Urmila Matondkar. Credit management solutions goes for a toss and there are times when Sanjay Dutt gives long sermons about how a person can be a good husband or a good son, instead of helping the people find a way out of the debt mess. The movie stops rather than ends and you are left wondering if the problems are indeed solved.

Plus points of EMI: Some of the dialogues of EMI are rib tickling especially “Pyaar se toh bache paidey hotein hain” and “If your matter is personal, so is the loan”.

Minus points of EMI: EMI loses it plot after interval, there seems to be no synchronization between the direction and script of the film

Performances of EMI: Sanjay Dutt is spot on as Sattar Bhai. Equally convincing and brilliant is Ashish Choudary. Arjun Rampal comes across as a cool customer while Neha Uberoi impresses in a small role. Urmila Matondkar seems to have lost her flair.

Verdict: EMI gives a sense of déjà vu and you get the feeling that the makers were not really excited about the movie themselves.