Plastic money. Review on EMI

A resonance of today it seemed like when i saw the trailors and read the title!!

Hmm, now thats getting too linguistically inclined to describe a movie like EMI- Liya hai tho chukaana padega!

Despite reading bad reviews of this movie and seeing that more than half theatre was empty...we decided to go for it and I think it was worth the time we sat through it!!

Star cast----

Sanjay Dutt, Arjun Rampal, Malaika Arora, Aashish Chaudhary, Neha Uberoi, Natasha Suri, Manoj Joshi, Pushkar Jog, Daya Shankar Pandey, Kulbhushan Kharbanda, and Urmila Matondkar.

Cast performance has been good and they of them have all done justice to their roles..so no talking about that!!

Getting to the story: Its about EMI like the title speaks of. The focus of the movie is on lives [many here] of common middle -class families and their desire to live a high-class lifestyle which neither suits their pockets nor their greeds.

Desire is justified when it can be satiated within ones own means and the power to pay back!! The whole story revolves around the head of a recovery agency- Goodluck Recovery Agency- Sanjay Dutt[ Sattar]. He has a few assistants and they together provide comic as well as the serious elements to the movie!!

Ab scene yeh hai ki loan liya hai, but EMI nahi diya hai...so after 6 months of all sorts of recovery measures, the lender bank finally goes to this agency.

So, Sattar and his agents are trying to recover the loans!

Here starts the real story...Sattar wants to be a politician and for that he has to be good in the public eye..unlike his current image of "a vasooli gunda".

This motive of his, acts as Sanjay's --Munnabhai of MBBS and Gandhigiri to show his real good self replica.

All his acts are not only to recover money, but also to understand the problems of people who are unable to repay and help them understand their duties and responsibilities for happy and fulfilling lives....besides repaying their loans!!!

Urmila is also stuck in the same mess of loans for a purpose..shhh..thats suspense!

Sanju baba falls in love with her and there..the story takes a nicer bend and mellows the gunda and makes him slightly sophisticated!!!

The rest of the story is for you to watch and enjoy..I am not going to reveal any more.

A message is what I think the movie conveys and has to be heeded by all.

Please do consider understanding  the depths of the intention behind making this sort of a movie. These days whether we can repay or not...just because we want to live a fancy life that doesnt not fit their pockets we go out of our way to live upto something that we even remotely are not.

Taking a home loan or a personal loan isnt wrong...but the repayment capacity is what counts the most. Not everything in life is rosy but a thorn born with the rose is better a thorn that is bought with our own money to prick us. We pay heavy interests and still arent intelligent enough to understand that we pay nearly double of what we take at the end of the said tenure!

One fact that I would like to mention here-- an eg to warn people from taking loans erratically unless its inevitable- when its life or death situation.

*If you take a loan of say..Rs. 39, 000/- at the rate of 23% per annum, and you are paying only [this is according to the marketing agents] Rs. 1580/- per month for 48 months[ which is by the way 4 years]....Do you realise how much you would have paid the bank for that period at the end of 48 months???

48 X 1580 = 75, 840/-!! Shocking isnt it???

In this case you are repaying the bank---39, 000/- + 36, 840/-[extra--as in interest] !!

Hmm..think...think..think!!

The interests levied on credit cards are nearly sometimes 49%. This is according to an article in the Economic Times -- https://economictimes.indiatimes.com/articleshow/msid-3473126, flstry-1.cms

This movie is all about awakening the common public about "PLASTIC MONEY"  that is becoming an essential part of our system and which is adopted from the western world.

It is ease of money and transaction you may say. So, use debit cards that are operated through your bank account and hence you will not be spending what you dont earn or have.

Use a debit card in case carrying cash is too hard or its too hard to keep track of the expenditure incurred.

EMI movie: Dekho and please Samjho!!

Music

Music director of the movie is Chirantan Bhatt and the lyrics are written by Hamza Farokhi, Sarim Momin. I loved the title song. The lyrics are damn neat..do give your keen ear to it. All youngsters please watch this movie for the good of your own self. Youngistan, its time you woke up to these hard hitting facts.

Have fun watching and learning!!