We have one of the best Small Business Loan solutions. Some of our major features are:

• Collateral-free loans up to Rs.10 Lakhs

• Maximum loan tenure up to 300 months

• Widest outreach across 18 states

• Seamless digital journey with direct eligibility

• Loan disbursal within 4 days*

• Minimal documentation

The eligibility criteria for availing FIRST STEP Micro Business Loan include factors such as:

• A business continuity of minimum 2 years

• Applicant to be a minimum of 23 years of age and a maximum of 68 years of age at the time of loan maturity.

If both of these conditions are met, applicants will further be assessed basis:

• Income - Eligibility calculation basis the derived income & net profit of the business

 • Banking -  Eligibility calculation basis the average bank balance

To avail of a FIRST STEP Micro Business Loan, you will need to have a house or a shop in your name or in the name of your spouse/parents.

No, it is not mandatory to have a Savings Account with Metra Trust to avail of a FIRST STEP Micro Business Loan.

To apply for a FIRST STEP Micro Business loan, you can visit our branch and our bank representative will assist you with the application formalities.

- Locate your nearest FIRST STEP Micro Business Loan branch

- Locate your nearest Loan Centre

We offer FIRST STEP Micro Business Loan within a radius of 5-10Kms of the nearest Metra Trust Branch or Loan Centre.

You will need to provide a PAN Card and any one of the officially valid documents - Aadhar/Passport/Driving license/ Voter ID with your correct name, date of birth, current address.

In case you don't have a PAN Card, you can fill and submit Form 60 for verification.

Yes, existing Metra Trust Savings Account customers will also be required to submit the KYC documents.

Yes, you will need to provide us with a proof of business and proof of your business' existence in the same place for minimum of 2 years to avail of FIRST STEP Micro Business Loan.

A loan amount of up to ₹10 Lakhs is disbursed within 3 days of approval depending on the customer's profile and our internal policies. 

Your EMIs will be auto-debited from your bank account on the due date through the NACH registered at the time of your loan application. In case your EMI has bounced, you can pay via:

- https://partner.metratrust.com/QuickPayEMI/Login/LoginEMI.aspx

- Nearest Metra Trust branch

- UPI channels like Google Pay, Paytm, etc.

Feel free to reach out to our sales officer in case you need guidance on payment via UPI channels.