E.M.I. (abbrev.) Easy Monthly Installment is a bittersweet satire that looks at modern day India in a mirthfully subjective way. It's an engaging pick on, the easy to get but taxing to hold, the ever changing credit economy. It's a narrative of interconnecting characters coming from different strata and style. A peek-a-boo into their lives of situations that they didn't anticipate. The people who indulge in spending without thinking and others who care to be optimistic about the future that they desire. This satire dwells into the lives of our protagonists and their stories.

Anil and Shilpa are a young couple in love, they are contemporary, hard working, ambitious and submerged in debts. They get married against their fears of compatibility, starting their life in a brand new house. For them it is just 40% more expensive to own per month than a rented one that too without any 11 month cycles of renewals. Love and desire see no boundaries as they choose to travel to the cheapest foreign location for their honey moon which comes at a small installment. Electronics, Car, and kitchenware add to their happy dreams in small steps of more installments. As the cost of love finds various expenses for a happy matrimony their world begins to crumble.

Ryan works as a DJ for survival but is a musician at heart. Fearless, optimistic and full of confidence, he likes playing on instincts along with his Big Male ego. One who never fails to impress a beautiful girl. In his late 20's,and looking for a bigger meaning of love, He is enamored by this beautiful, zippy and hot girl Nancy and immediately falls for her. After the early, hard to get part, She soon makes her way in his life. Against all warnings about nancy being a gold digger, ryan takes the plunge. He believes he is invincible and cannot be taken for a ride. But sometimes life is not a big plan....

52 year old Chandrakant, a middle class suburban Mumbaikar lives with his teen son Arjun. In the changing current scenario the new Middle class has everything that can be aspired but for savings. Chandra Kant spends almost all his money on his only son who had lost his mother when he was 14. Seven years since Arjun feels that his father has not done enough for him, whereas he does not have enough to do anything more for his son. He has bought him everything that he asked for not thinking once if it was right or wrong. Until arjun demands a foreign education that Chandrakant thinks he can't afford. The price of his son's future has been determined and the father falls prey to his son's dream once again, hoping all will be well the day he finishes his education and starts earning.

Prerna a beautiful lady in her mid 30's who is coming to terms with her husband's accidental suicide, knows that life ahead will not be easy if she does not have her husband's insurance money coming. Her biggest hurdle is to prove that her husband was murdered; to claim his insurance money. An honest insurance officer Vidyadhar Mahedale who is helpless, a cop who can't alter his seniors report and a lawyer friend make Prerna's world. She is ready to bend the law and is determined to get the insurance money. Rafik powder, a goon comes to her rescue, and promise to do the job for 10% of the large insurance sum of 2 crores. Prerna strikes a deal with Rafik and pays him half the money by securing a loan, hoping the job will be done.
A year passes by; Anil and Shilpa are doing the rounds of family court trying to get a divorce. Ryan can't believe Nancy has dumped him and is nursing his broken heart and a shattered ego. Arjun is back after completing his education but doesnt want to work right away compounding Chandrakant's problems as he sees arjun's future on a loose thread. Prerna has been deceived by Rafik and now does not know what to do as she has made large claims of producing the killer of her husband in court.

Their lives are affected by one common problem, that of, accumulated debts which they are u