EMI peeks into the lives of - DJ Ryan (Arjun Rampal), a harried father Chandrakant Desai (Kulbhushan Kharbanda), a newly married couple Anil and Shilpa (Ashish-Neha) and a widow, Prerna (Urmila). All these have either taken huge bank loans or owe a lot of money to the credit card companies. A reckless spender, Ryan likes to enjoy a high life at the cost of plastic money. He takes great pride in being a credit card defaulter. Desai takes a Rs. 10 lakh loan for funding his wayward son’s foreign education but his son cares less about the responsibility he owes to his father.
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