The Energy Ministry says bank borrowing for the loss-making Oil Fuel Fund is a last resort, with the deficit approaching 100 billion baht. The fund subsidises fuel when prices spike and collects contributions from motorists when prices fall, so a future contribution hike is possible once prices drop. Any new loan needs Oil Fuel Fund Committee review and cabinet approval. The cabinet approved a 2026-29 plan on Sept 22 with clearer accounting and transparent contribution rules. Budget fuel costs with the risk of price swings from Middle East shipping disruptions in mind, but no action is needed yet.