Hello,
thanks for the reply.
I am already doing as you mentioned (dividing into mutliple load steps)
Here is my commands,
! Step 1: Just for the contact definition. I go upto 0.1% of the maximum load
  first_rampup_Time = 10 !seconds
  RATE,off !switch implicit creep off to get the contact
  kbc,0Â
  nsubst,10,300,20,off
  cmsel,s,FORCE_NODES $ f,all,fy,NodalForce*0.0001
  time,first_rampup_Time*0.0001  $ alls $ solveÂ
! Step 2: 1st force-ramp up.
  nsubst,1000,100000,1000,on
  kbc,1 !Loads are step changed (stepped): Useful for rate-dependent behavior
  RATE,on ! switch implicit creep ON
  PRED,OFF
  cmsel,s,FORCE_NODES $ f,all,fy,NodalForce*0.0002
  time,first_rampup_Time*0.0002  $ alls $ solve
With this config, I am experience this material convergence error along with L2-norm error.