Check Conditions for GSB QR Maha Heng x Whispering Bird Loan to Assist Vendors

Government Savings Bank launches a loan "GSB QR Maha Heng X Whispering Bird" to help vendors borrow up to 50,000 baht by using sales data from the Tung Ngern app for loan consideration, with no guarantor required. Registration opens 24 Sep – 31 Oct 2026.

Government Savings Bank supports the "Thai Help Thai Plus" initiative by offering loans to help vendors.

Mr. Songpol Chewapanyarat, Director of Government Savings Bank, revealed that the bank is ready to support the Ministry of Finance's policy to expand the "Thai Help Thai Plus" project, increasing opportunities for vendors and small entrepreneurs to easily access formal financing.

By utilizing the technology "AI Whispering Bird" which specializes in summarizing and analyzing sales data, the bank integrates it with the "GSB QR Maha Heng X Whispering Bird" loan. This loan uses actual sales and payment history through the "Tung Ngern" application as criteria for loan approval. This approach solves problems and reduces limitations faced by small entrepreneurs who often lack formal financial statements or clear accounting documents like large businesses.

Using real income and cash flow from sales helps vendors obtain loans to purchase raw materials, restock goods, and manage working capital according to their business cycles. It also helps build a good credit history, increasing chances for higher loan amounts in the future.

Loan conditions for "GSB QR Maha Heng X Whispering Bird"

Details and qualifications for applicants of the "GSB QR Maha Heng X Whispering Bird" loan are as follows:

• Target group Vendors and shop owners registered with the "Tung Ngern" program under Thai Help Thai Plus.
• Income criteria Must have sales through the Tung Ngern application of at least 10,000 baht per month for no less than 3 consecutive months.
• Loan amount Up to 50,000 baht per person (or no more than 1.5 times the average monthly sales over the past 3 months).
• Interest rate Fixed (Flat Rate) at 0.75% per month, equivalent to an effective annual interest rate of 16.20%.
• Collateral No collateral required.

This loan is designed as a short-term loan to align with the business cycles of small entrepreneurs and emphasizes consistent repayment discipline.

Registration channel and dates

Interested entrepreneurs can register for the loan on the Government Savings Bank website from 24 September to 31 October 2026. The bank will begin loan approval processing for qualified applicants starting 1 October 2026.

Additionally, Government Savings Bank offers other low-interest loan products to support entrepreneurs seeking long-term capital or business expansion, reaffirming its role as the "Bank for Every Life," aiming to build financial stability for Thai people.

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