EMI, which stands for Easy Monthly Installments, is perfectly timed. The recent global financial meltdown makes a film that advocates fiscal responsibility especially appropriate.
But that is just about the only thing debutant director-writer Saurabh Kabra's film has going for it. EMI, which revolves around four individuals unable to pay back their bank loans and a recovery agent named Sattar Bhai, is superbly incoherent and staggeringly boring.
The characters are wafer thin, the writing is shoddy and the situations are just ridiculous - we even have to suffer Sattar Bhai, played predictably by Sanjay Dutt, romancing Urmila Matondkar who is supposed to be a widow with a ten lakh loan on her head but her face shows little anxiety and her outfits are always impeccably coordinated.
What talented actors like Dutt and Arjun Rampal are doing in this train wreck of a movie remains a mystery. Steer clear of this one.