My Kel-Tec is TDY with my nephew to the "Gulf", but here are my favorite .32acp loads:
Speer Gold Dot 60gr HP
Seating depth 0.915" oal (adjust for proper feeding in your gun)
Brass; Federal, or Winchester, Fiocchi (Rem. has too shallow extractor groove to fit shell plate of reloading machine)
Powder; 2.9gr of Win231 2.7gr Bullseye
Primer: Winchester, Federal Small Pistol
Velocity; 985fps (Kel-tec 1.75") 1050fps (Beretta TomCat 2.1")
This duplicates the Fiocchi factory 60gr HP load. These are absolute max. don't exceed ! 2.7 Win231 and 2.5 Bullseye are about as good and slightly more accurate. (Better all around loads). I now don't care for these loads. The expansion is good but penetration is questionalble. I would prefer a 71gr FN if such existed. My carry load is factory Fiocchi 73gr RN @ 850fps.
Lyman 78gr RN cast
Brass: Mixed
Seating depth: 0.985" (to crimp groove, light taper crimp)
Powder: 1.6gr Bullseye
Velocity: 700fps (Keltec), 755fps (TomCat) Duplicates US factory loadings.
Max load: 2.2gr Bullseye 885fps (TomCat)-not as accurate as lighter load. Duplicated European Factory loads (ie: Fiocchi).
Kel-tec prefers the 1.8gr load for 740fps.
The most accurate load is the RN cast, sized to .311. My TomCat will out shoot my Glock mod22 at 25yds and shoots to POA/POI. My favorite "mouse gun" However after 5k-6k rounds, the slide cracked in two places. Beretta the replaced gun, and I traded it for something else as I have the Keltec I won in a match.