Nov 07, 2008 06:07 PM
3274 Views
(Updated Nov 07, 2008 06:13 PM)
Things you have to be careful before taking a loan.
If you are taking a loan, you have to return it. If you plan not to return it, it is better to go for robbery/theft where you don't have to sign an agreement.
If you take a loan for investment, consider the plan well and the risk involved. Draw up an alternative plan to pay the loan if the investments fail.
Don't take loan to do charity. Still if you have to do that, prepare your assets for sale sooner.
Don't take loans to engage in gamble, to for a woman/man, to roam with greed and luxury. In all cases you have to face more pain than the pleasure those luxurious outing gives you, when it come to pay back the loan with interest.
The modern life entirely depends on loans, credit cards, and borrowings. I can see people canvassing for credit cards and personal loans in front of super markets. We have to block a dozen credit card sellers from entering our office. The inflation and budget deficit forced every family to depend on credit cards and loans. When they will be able to repay all these liabilities? Or they will ever manage to do that? If they fail to repay, what will happen? Debt collectors enter the scene.
The first half of EMI shows how the greed and ambition of people are fancied by banks with sweet words and simple procedures. Ryan (Arjun Rampal) is a night club DJ who take credit cards from all sources and flirt with any beauty enter the club. Prerna Joshi (Urmila Matondkar) whose husband committed suicide but she is fighting to get the 2 Crore insurance money by trying to make the incident as a murder. To pay to the goons she has to take loan. Anil-Shilpa (Aashish Chaudhary – Neha Oberoi) they are planning to get married but they have some ambitious dreams. A retired employee (Kulbhushan Kharbanda) who had to take loan to help his son go for studies in overseas. Inevitably all 4 become defaulters and their respective files came to Good luck recovery agency, owned by Sattar Bhai (Sanjay Dutt). Sattar Bhai started his agency with 2 people and now 400 people are there to serve him. He uses every trick in the book and out of the book to get the money out of people. His latest interest is to enter into politics and then to social work. He got an advice to win the hearts of people. From here the story takes a shift. Watch the film to see how the Bhai treat the cases and start a love interest as well.
The theme was interesting and throughout the first half the movie did justice to the title and the theme. However, the second half brought a twist in direction which I feel damaged the impact the movie could have created. It is a lost opportunity for the makers.
The movie was promoted as a comedy, but the first half was almost a serious movie. However, when some comedy pumped to the film the subject got diluted. The theme got good scope of creating comedy, like cheating the debt collectors, hiding facts from woman interests etc., however the writer director Saurabh Kadra was less imaginative and didn't put any effort to make it interesting.
The performance including Sanjay Dutt, Urmila Matondkar, Arjun Rampal, Aashish Chaudhary, Neha Oberoi…all were ok, but the writer let them all down by giving weak characters and lifeless situations. Kulbhushan Kharbanda's performance however stands out. The supporting cast lead by Manoj Joshi were good.
Songs and Cinematography were average, Editing could have been better.
Some fine points: 1. Arjun Rampal's escape when Good luck guys reach to his house. 2.Manoj Joshi's acting after he took extra dose of alcohol. 3.Sanjay Dutt learning to eat with spoon and fork. 4. The bank employee convince Khulbushan Karbandha to get loan. 5.Snehal Dhabi mock hard treatment of victims in Good luck Recovery Agency.
Overall, the movie doesn't lives up to expectation. The first half did some justice to the topic but the fun was missing. The second half bought some smile but then the plot deviated to unwanted territories. The film may be worth a watch for Sanjay Dutt and some smiles brought out in the second half. The film fail to give out the message which was suppose to on the one hand and fail to create the smile as prompted by the genre called 'comedy'. Worth a watch at your own risk!
