Options with reasons, not a list.

MSME Term Loan + Working Capital

CGTMSE guarantee · ₹10 crore guarantee ceiling per borrower — Circular 250/2024-25 dated 18 Mar 2025.

PMKSY–CEFPPC · Grant-in-aid 35% of eligible project cost, max ₹5 crore (50% in difficult areas/SC-ST); minimum project cost ₹3 crore; promoter equity 20%; bank term loan 20%; completion in 18 months. Validity beyond FY 2025-26 unconfirmed.

AP MSME Policy 4.0 · AP MSME & Entrepreneur Development Policy 4.0 (2024–29): investment subsidy 25% of FCI — micro cap ₹25 lakh, small cap ₹1.5 crore, medium cap ₹7 crore; SGST reimbursement 100% for 5 years.

AP Food Processing Policy 4.0 · AP Food Processing Policy 4.0 (2024–29): secondary/tertiary processing up to 25%, cap ₹15 crore; +10% top-up for women/SC/ST/OBC/minority promoters.