EMI: Liya Hai To Chukana Padega

Criminal don-aspiring politician Sattar Bhai (Sanjay Dutt) runs a collection agency in Mumbai's Bhendi Bazar called 'Good Luck Recovery'. He had started this business with 4 employees but now has over 400 of them. His uses his influence and goon-power to mainly recover money from middle-classed clients of All India Bank. 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. All India Bank engages in all sorts of loans like car loans, education loans etc. They do not insist on full documents, ad make it really easy for people to get loans. 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. These include defaulters like Anil (Ashish Chaudhary) and his wife, Shilpa Sharma (Neha Oberoi), who have taken a loan to buy their house, car & honeymoon so that they can get married. Anil is addicted to pornographic films, and he spends money to buy pirated CDs of the same. Neha is always angry with Anil because he has a roving eye, and he flirts with attractive women even in front of Neha. Chandrakant (Khulbhushan Kharbanda) lives with his son, Arjun Desai. Arjun parties all night with his friends and returns home late at night. Chandu is worried about Arjun's future, and he says that he wants to do an MBA from London, which will cost a lot of money. Chandu's friends tell him that if he does not provide an opportunity to Arjun Chandu takes a loan to finance his son's MBA dream. The bank gives him a personal loan of Rs 4 Lakhs, at a high rate of interest. DJ Ryan Breganza (Arjun Rampal) had a fickle girlfriend, Nancy (Malika Arora). Ryan borrows cash on his credit card and believes that he wants to die owing money to people. Ryan uses the address of his friends on his credit card applications. Ryan uses the cash to party in expensive night clubs with his super model girlfriend, who has expensive tastes. Prerna Joshi (Urmila Matondkar). Prerna's husband was murdered by loan sharks, but police report says her husband committed suicide. As a result, the bank is refusing to honor the insurance claim. Prerna has taken a loan of Rs 10 Lakhs to pay a local goon Rafiq Bhai to change the police report & claim the insurance amount. The insurance claim is for Rs 2 Crores. Rafiq says that he will asks one of his goons who is already in prison (who was imprisoned after the husband's death), to testify that he murdered Prerna's husband. 1 year later, Anil & Neha are trying to divorce & have stopped paying EMIs. Chandrakant is looking for a job to pay his dues. Chandu gets a job with his previous employer Babu (Anant Mahadevan). Nancy breaks up with Ryan. Nancy says that Ryan is a compulsive liar who gets more calls from banks than from music companies. And he ends up spending all his time hiding from bank officials. Nancy was responsible for Ryan running up credit card bills of more than Rs 3 Lakhs. Prerna is still stuck as Rafiq took the money & died without completing the job. All of them have borrowed huge amounts but are unable to return them. After the bank makes some attempts to recover the loans, the loans are transferred to a recovery agency, in this case to Sattar Bhai. All of them land up with Sattar's collection agency. The collection agency promises the bank to recover the money within a week. The news channels and papers are full of stories of Sattar and his agency using strong arm tactics for lean recovery. Sattar wants to be a politician & his mentor Yusuf Bhai asks him to empathize with people & be nice to them. The mentor tells Sattar that to go do good deeds Sattar needs a good intention as well. Only then the public will trust him as a politician. Yusuf says that Sattar can only be a good politician when the people support him. Sattar would need to remove his fear from people's hearts and minds. Sattar is now the savior and the solution for all those caught in the debt trap. The agency includes employees including Gaffur Bhai (Daya Shankar Pandey), Prem Prakash Patel (Manoj Joshi), Mumbai Central (Snehal Dabi) and others. Sattar starts helping people. Anil tells him that Neha slapped him when she caught him watching porn & he accused her of having sex with other guys. She is also angry at him for not taking financial responsibility of their dues. Sattar sends some of his goons to scare Neha, so that she gets back together with Anil. Chandu tells Sattar that Arjun never went for his MBA after he got hold of the money. Sattar is smitten by Prerna & asks his goons to turn her away as he doesn't want to meet her as a don. He confronts Ryan at his DJ club, when Prerna walks in & Ryan tells him that Prerna is his very good friend. Actually, Ryan didn't even know Prerna, he just took advantage of the knowledge that Sattar was interested in her. But Ryan manages to get Sattar a date with Prerna & then proceeds to teach him manners. At the dinner Prerna is only interested in getting Sattar to help her get the insurance money. Sattar goes on his best behavior & is honest with Prerna. She has a nice evening with her, but says she is not interested in him. Because of Sattar Anil & Neha get back together. Sattar visits Chandu's house & threatens Arjun. This puts him online & he gets a job. He also helps Ryan get a job with a music company & finally impresses Prerna enough that she falls in love with him. Sattar becomes a respected politician & cracks down on unfair lending practices by banks.