LoanDepartment of Industries, Government of Andhra PradeshVerified 20 May 2026Official source stacks with AP MSME Interest · ₹55L combined

Andhra Pradesh State Financial Corporation — MSME Term Loan

The APSFC MSME Term Loan provides financial support to MSMEs in Andhra Pradesh to aid in machinery purchase, technical upgrades, and business expansion. Eligibility is extended to various types of business entities, emphasizing creditworthiness and asset backing.

Maximum amount
₹5.0Cr
Typical payout
₹75.0L
Processing time
2–8 weeks
Application window
Open year-round

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Eligibility criteria

Company type
Private Limited, LLP, Proprietorship, Partnership Firm
Stage
Early Stage (Revenue < ₹1Cr), Growth Stage (₹1Cr–₹25Cr)
States
Andhra Pradesh
Sectors
manufacturing, food_processing, textile, chemicals, engineering, agritech, aquaculture, other
Prerequisites
  • Udyam (MSME) registration required

Documents required

1
Aadhaar Card
Identity proof for all promoters, partners, or directors.
Tip: Ensure the Aadhaar card has updated information.
2
PAN Card
Identity proof for all promoters, partners, or directors.
Tip: Verify that the PAN details match with other identification documents.
3
Voter ID or Passport
Additional identity proof option along with Aadhaar and PAN.
Tip: Choose either the Voter ID or Passport.
4
Udyam Registration Certificate
Proof of business registration required for loan application.
Tip: Register on the Udyam portal if not already done.
5
GST Registration Certificate
Proof of GST registration for tax purposes.
Tip: Ensure GST returns are filed up to date.
6
Certificate of Incorporation
Required for private/public companies; documents company formation.
Tip: Keep a certified true copy for authenticity.
7
Memorandum and Articles of Association
Needed for private/public companies to outline the constitution.
Tip: Ensure the document is updated and accurately reflects current practices.
8
Partnership Deed
Required for partnership firms to outline the roles and responsibilities of partners.
Tip: Ensure the deed is notarized and registered.
9
Audited Financial Statements
Includes balance sheets and Profit & Loss accounts for the last 3 years.
Tip: Ensure the financials are audited by a certified CA.
10
Income Tax Returns (ITR)
Corporate ITRs for the last 3 financial years.
Tip: Verify the ITRs are filed on time and accurate.
11
Bank Statements
Operative bank statements for the past 6 to 12 months.
Tip: Download e-statements with bank's digital stamp.
12
Detailed Project Report (DPR)
A thorough business plan including machinery, marketing, and financial projections.
Tip: Have a CA certify the document if exceeding ₹25 Lakhs.
13
Property/Asset Title Deeds
Clear title deeds and non-encumbrance certificates if using assets as collateral.
Tip: Ensure documents are up to date and legally binding.
14
Environmental Clearances
Required clearances from APPCB for industrial activities.
Tip: Consult with local authorities to expedite the clearance process.

How to apply for APSFC Loan

1
Submit Preliminary Inquiry on the India Services APSFC Portal and Register in portalOpen portal
2
Register on the APSFC platform and fill out the online loan forms.Open portal
3
Review state MSME framework and check eligibility on the AP MSME One Portal.
4
Register on the Andhra Pradesh Single Desk Portal to create an enterprise profile.
5
Visit branch office for physical submission of complete application.Open portal

Frequently asked questions

Who is eligible for APSFC Loan?

APSFC Loan is available to Private Limited, LLP, Proprietorship, Partnership Firm companies at the Early Stage (Revenue < ₹1Cr), Growth Stage (₹1Cr–₹25Cr) stage, across Andhra Pradesh. Udyam (MSME) registration is required.

How much funding does APSFC Loan provide?

APSFC Loan provides up to ₹5.0Cr. Most applicants receive around ₹75.0L.

How long does APSFC Loan approval take?

The typical processing time from submission to disbursement is 2–8 weeks.

Is APSFC Loan currently accepting applications?

Yes, APSFC Loan is currently active and accepting applications. Application window: Open year-round.

Do I need Udyam registration for APSFC Loan?

Yes, Udyam (MSME) registration is required. Register at udyamregistration.gov.in before applying.

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Information is based on publicly available scheme guidelines. Last verified 20 May 2026. Always verify with official sources before applying.