The movie narrates different stories about how different people decides to take bank loans as per their requirements and finally end up by becoming defaulters. They cannot pay their instalments in due time because of their situations. Finally recovery officer comes in the picture to chase these defaulters and make them to pay instalments. Here it is good to see how recovery officer make these defaulters to pay their instalments. It has been also made clear that how people are taking bank loans by going ahead than their capacity and increases their liability. It also shows how banks are giving loans without any status check and strict criteria and finally comes in trouble when clients are not able to pay as their situation worsens. It shows that how good recovery officer, with good counselling and by proper way, can solve problem of these people and make these defaulters good clients. So here subject is new and good as per today's EMI culture. Though the subject is good but still it is lacking a good script and good music.

Sanjay Dutt did very well as a recovery officer and suits the role. Urmila matondkar also looks good in her role. Kulbhushan Kharbanda is also good. Rest is OK as per their role.

So over all it is a good watch.