Benefits:
Business loan up to ₹3,00,000
Instant approval and same-day disbursal
Only PAN, Aadhaar, and Bank Statement required
Udyam-based eligibility for MSMES
100% paperless digital onboarding
No collateral, no guarantor needed
Whom to sell?
Age: 23-60 years
Profile: Self-employed/MSME/Shopkeepers / Traders
Minimum Business Vintage: 12 months
Minimum Monthly Turnover: ₹30,000
Employment Type: Proprietorship / Individual Business Owner
Documents Required:
Aadhaar Card
PAN Card
Udyam Registration (if available)
Latest 3-6 months Bank Statement
Proof of Business (Shop Photo, Board, Stock Photo)
How it works?
1. Watch the training video and share the link with eligible customers in your network..
2. The customer needs to enter and verify their mobile number using OTP which should be linked to their Aadhaar and PAN
3. The customer needs to fill in basic details according to the PAN Card.
4. Then they need to fill personal and professional details, after which they will be redirected to the ClickPe journey as per eligibility.
5. Customer lands on ClickPe link and accepts declaration checkboxes.
6. Enters mobile number validates OTP.
7. Provides PAN details and confirms.
8. Enters business information and Udyam number (if available).
9. System fetches PAN/Udyam details and validates.
10. Displays eligible loan offer (amount & tenure pre-set).
11. If customer wants higher limit, uploads latest bank statement.
12. Uploads proof of residence (House proof).
13. Completes Digilocker verification using Aadhaar OTP & PIN.
14. Captures live selfie for KYC verification.
15. Confirms address fetched via Digilocker.
16. Uploads business premises photo (shop board).
17. Uploads stock photos from inside the shop.
18. Credit team initiates VKYC & tele-verification.
19. Upon approval, customer verifies bank details and sets up e-mandate.
20. Signs loan agreement digitally using OTP-based e-Sign.
21. Loan disbursed instantly to customer's verified bank account.
Terms & Conditions
DOS
Share the official ClickPe-Muthoot loan link only.
Ensure accurate customer details for PAN, Aadhaar, and business info.
Guide customers through document uploads and eKYC completion.
Follow up for pending Digilocker or photo verifications.
Verify that customer's bank account matches business name.
DON'TS X
Don't promise guaranteed approvals or specific amounts.
Don't use fake or edited documents.
Don't claim to represent Muthoot Finance.
Don't process leads without customer consent.
Don't assist salaried or ineligible profiles.
ETIQUETTES
Identify yourself as a GroMo Partner assisting with ClickPe Business Loan.
Always take consent before guiding or collecting details.
Make calls only between 9:30 AM-7:00 PM.
Maintain professional and polite communication.
Thank the customer for their time and interest
OTHER T&CS
Partner must comply with RBI and Muthoot Finance policies.
Any fraudulent or misleading activity will result in payout reversal and account freeze.
Partners cannot collect or accept payment from customers.
Payout will be reversed if the loan defaults within the first 3 EMIs.
Ensure each lead is sourced and completed through your UTM tracking link.