About Xpress Pay The app helps the customer in paying the monthly EMI’s and for verifying the outstanding balances further, customer can apply for NOC which will be sent to the address mentioned in the Loan agreement and lastly they have an option of pre-closure About Padmasai Finance Padma Sai Finance Private Limited facilitates Asset based funding. The company analyse the file based on the credit norms set by channel partners. The Company also acts as a Collection agent for the channel partners.