CMN Resolution No. 5323 — Adjusts Rural Credit Rules for Pronaf for the 2026/2027 Agricultural Year

The Central Bank of Brazil, pursuant to Article 9 of Law No. 4,595 of December 31, 1964, makes public that the National Monetary Council, in an extraordinary session held on June 30, 2026, in accordance with Articles 4, caput, item VI, of Law No. 4,595 of December 31, 1964, Articles 4 and 14 of Law No. 4,829 of November 5, 1965, Article 48, § 2, of Law No. 8,171 of January 17, 1991, and Article 3, § 3, of Law No. 11,326 of July 24, 2006,

RESOLVES:

Article 1. Section 1 (General Provisions) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the Rural Credit Manual – MCR shall be effective with the following alterations:

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a) for land occupants, whenever the condition of land possession is registered in the National Registry of Family Agriculture – CAF with classification in Pronaf; and

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a) cargo vehicles, motorized, electric, or animal-drawn vehicles suitable for rural conditions may be acquired, including trucks, pickup trucks, motorcycles, tricycles, and quadricycles adapted to rural activity, which must appear in the list of the More Food Program and the BNDES CFI when referring to trucks, observing the minimum description and maximum value of each item;

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f) ........................................................

I - shall only be granted to beneficiaries who develop agroindustry activities foreseen in the Section Investment Credit for Income Aggregation (Pronaf Agroindustry), apiculture, aquaculture, free-range poultry farming, coffee farming, floriculture, fruit farming, artisanal fishing, sheep and goat farming, and vegetable farming, observing that, in the calculation of payment capacity, specified in a technical project, it must be proven that, at least 50% (fifty percent) of the revenue generated by the production unit originates from at least one of these activities and that its exploration has occurred for at least 12 (twelve) months;

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“40 - Costs related to the preparation of technical projects and studies necessary for the granting of water use rights and environmental licensing, including fees, emoluments, and notarial expenses, as well as studies, diagnostics, and projects necessary for the adaptation of agroindustries to current sanitary standards, may be financed in working capital or investment operations up to the limit of 20% (twenty percent) of the financed credit, provided that the destination of the funds is stated in a simplified credit proposal or technical project.” (New Text)

“43 - In the case of individual technical guidance, its cost must be:

a) for enterprise linked to working capital: up to 2% (two percent) of the budget value, due at the time of contracting;

b) for working capital enterprise linked to products of the socio-bioeconomy or to agroforestry systems, agroecological production systems, or in transition to agroecology: up to 3% (three percent) of the budget value, due at the time of credit opening;

c) for other enterprises linked to investment:

I - up to 2% (two percent) of the budget value, due at the time of contracting;

II - up to 2% p.a. (two percent per annum), due on June 30, December 31, and at the maturity of the contract for the provision of technical guidance, or, if earlier, on the date of financing liquidation, applied to the balances of the linked account after the first year of the operation's validity, plus the own resources foreseen in the budget, observing that own resources must be deducted in the same proportion as the amortizations made;

d) for enterprise linked to investment related to technological innovation, when technical assistance is mandatorily contracted and when they are destined for items related to connectivity systems in the countryside, automation in poultry farming, swine farming, and dairy cattle farming, and to the construction and maintenance of protected cultivation structures, including related equipment, irrigation systems, components of precision agriculture, and renewable energy technologies, such as solar, biomass, and wind energy, to products of the socio-bioeconomy or in agroforestry systems, agroecological production systems, or in transition to agroecology, in operations classified under Section 10 (Investment Credit for Young People – Pronaf Jovem), upon presentation of a technical project, in the following manner:

I - up to 3% (three percent) of the budget value, due at the time of credit opening;

II - up to 3% p.a. (three percent per annum), due on June 30, December 31, and at the maturity of the contract for the provision of technical guidance, applied to the balances of the linked account after the first year of the operation's validity, plus the own resources applied in the enterprise.” (New Text)

Article 2. Section 2 (Beneficiaries) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

“1 - Beneficiaries of the National Program for Strengthening Family Agriculture – Pronaf are farmers and rural producers who comprise family production units in agrarian production upon presentation of the active National Registry of Family Agriculture – CAF document showing their classification in Pronaf, observing the following:

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“2 - Also beneficiaries of Pronaf, upon presentation of an active CAF showing classification in Pronaf, are persons who:

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“3- The Pronaf beneficiaries defined in items 1 and 2 may be classified in special groups of the program, upon presentation of an active CAF showing classification in these groups, according to the following conditions:

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b) Group “B”: beneficiaries whose annual gross family income, referred to in item 1, letter “f”, is not higher than R$60,000.00 (sixty thousand reais) and who do not hire permanent salaried labor;

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“4 - The active CAF showing the beneficiary's classification in Pronaf according to the criteria established in items 1, 2, and 3 is required for the granting of financing within Pronaf, observing further that:

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b) it must be prepared for the family production unit in agrarian production, prevailing for all members of the family who comprise the rural establishment and exploit the same land areas.” (New Text)

“5 - For the purpose of proving the beneficiary's link to the land and activity, the active CAF is sufficient for the purpose of contracting Pronaf financing, provided that it shows classification in the credit line referred to in the Section Rural Productive Microcredit (Group “B”), and, at the discretion of the financial institution, may be used for contracting working capital or investment financing in the other Pronaf lines.” (New Text)

Article 3. Section 3 (Credit for Beneficiaries of PNCF, PNRA, and PCRF and for Indigenous and Quilombola People) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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b) have, at least 75% (seventy-five percent) of their active partners classified as beneficiaries of Pronaf, proven by presenting a list with the active CAF number of each cooperator classified in Pronaf, according to MCR 10-2 criteria;

c) present projects with the purpose of financing working capital or investment to serve cooperators who have an active CAF and, at least 90% (ninety percent) of the partners benefited by the project fall into Groups “A” and “A/C” of Pronaf, according to MCR 10-2-3-“a” and “c” criteria;

d) be participating or have been served by the National Program for Support to the Management Qualification of Family Agriculture Enterprises – Mais Gestão, instituted by MDA Ordinance No. 26 of August 10, 2023, or by the National Program for Strengthening Cooperativism, Associativism, and Solidarity Enterprises of Family Agriculture – Programa Coopera Mais Brasil, instituted by Decree No. 12,088 of July 3, 2024, upon declaration to be provided by the Ministry of Agrarian Development and Family Agriculture – MDA; and

e) present an active legal entity CAF for this form of organization.” (New Text)

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a) allocate 5.172% (five and one hundred seventy-two thousandths percent) of the total financing for payment of these services during, at least, the 3 (three) first years of project implementation;

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“8 - The financings referred to in this Section are not subject to the obligation to present geodetic coordinates, as referred to in MCR 2-1-2, except in cases of agricultural working capital operations with adherence to the Guarantee Program for Agricultural Activity – Proagro.” (New Text)

Article 4. Section 5 (Investment Credit – Pronaf Mais Alimentos) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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c) are restricted to the financing of items directly related to:

I - the implementation, expansion, or modernization of the structure of production, storage, transport, or agricultural or non-agricultural service activities on the rural establishment or in nearby rural community areas;

II - the construction or renovation of dwellings on the rural property, including accessibility adaptations;

III - the land regularization of the rural property, including measurement, topography, and georeferencing services, as well as emoluments, notarial costs, and attorney fees;

IV - the acquisition of equipment and computer programs aimed at improving the management of rural enterprises and items related to connectivity systems in the countryside, according to specific technical projects;

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a) up to 5 (five) years for the acquisition of pickup trucks, motorcycles, tricycles, and quadricycles (all-terrain vehicles – ATVs/utility task vehicles – UTVs) adapted to rural activity and destined for productive activities on the rural establishment;

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Article 5. Section 6 (Investment Credit for Income Aggregation – Pronaf Agroindústria) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

“2 - A rural family enterprise, as referred to in Law No. 11,326 of July 24, 2006, is considered a legal entity constituted for the purpose of benefiting, processing, and marketing agricultural or livestock products or for providing rural tourism services, provided that it is formed exclusively by one or more Pronaf beneficiaries referred to in Section 2 (Beneficiaries) of this Chapter, proven by presenting a list with the active National Registry of Family Agriculture – CAF document number of each partner with classification in Pronaf according to MCR 10-2 criteria, and that, at least 70% (seventy percent) of the production to be benefited, processed, or marketed is produced by its associates.” (New Text)

“3 - Cooperatives (singular or central) of family agriculture, as referred to in § 4 of Article 3 of Law No. 11,326 of July 24, 2006, are those that prove that, at least 75% (seventy-five percent) of their active participants are beneficiaries of Pronaf, proven by presenting a list with the active CAF number of each cooperator showing classification in Pronaf according to MCR 10-2 criteria, and that, at least 55% (fifty-five percent) of the production to be benefited, processed, or marketed originates from cooperators classified in Pronaf, and whose financing project proves these same percentages regarding the number of participants and the production to be benefited, processed, or marketed referring to the respective project.” (New Text)

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a) .........................................................

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II - the rural family enterprises defined in item 2 that present an active legal entity CAF for family agroindustry;

III - the cooperatives constituted by Pronaf beneficiaries defined in item 3 that present an active legal entity CAF for this form of organization;

b) purposes: investments, including in infrastructure, aimed at benefiting, storing, processing, and marketing agricultural and livestock production, forest products, extraction products, artisanal products, and the exploration of rural tourism, including:

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IX - implementation of infrastructure for experimental areas or demonstration fields destined for the diffusion of cultural practices and new technologies aiming to increase productivity and income of associates;

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Article 6. Section 8 (Investment Credit for Adaptation to Climate Change and Coexistence with the Semi-Arid Region - Pronaf Semiárido) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations

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b) .........................................................

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IV - investment in water desalination systems;

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Article 7. Section 9 (Investment Credit for Women – Pronaf Mulher) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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b) upon presentation of the National Registry of Family Agriculture – CAF active showing the beneficiary's classification in Pronaf, according to the criteria established in MCR 10-2.” (New Text)

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b) upon presentation of the National Registry of Family Agriculture – CAF active showing the beneficiary's classification in Pronaf, according to the criteria established in MCR 10-2.” (New Text)

Article 8. Section 10 (Investment Credit for Young People – Pronaf Jovem) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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a) beneficiaries: young people over 16 (sixteen) years and up to 29 (twenty-nine) years, members of family units classified in the Beneficiaries Section of this Chapter, who meet one or more of the following conditions, in addition to presenting the National Registry of Family Agriculture – CAF active showing the beneficiary's classification in Pronaf, according to MCR 10-2 criteria:

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V - have guidance from a credit agent and use the methodology of the National Program for Guided Productive Microcredit – PNMPO for the granting of credit;

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b) that all family members listed in the active CAF are up to date with rural credit.” (New Text)

Article 9. Section 12 (Credit for Share Integration by Pronaf Cooperativized Beneficiaries – Pronaf Cotas-Partes) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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a) .........................................................

I - agricultural production cooperatives that: have, at least 75% (seventy-five percent) of their active partners classified as beneficiaries of the National Program for Strengthening Family Agriculture – Pronaf and that, at least 55% (fifty-five percent) of the benefited, processed, or marketed production originates from active partners who are beneficiaries of Pronaf, the proof of these percentages being made by presenting a written list with the active National Registry of Family Agriculture – CAF number of each associate; have a minimum net equity of R$25,000.00 (twenty-five thousand reais), have been operating for at least one year, and present to the financial institution the active National Registry of Family Agriculture – CAF legal entity, as defined by the Ministry of Agrarian Development and Family Agriculture – MDA; and comply with the provisions of Section 3 (Share Integration) of Chapter 5 (Credits to Agricultural Production Cooperatives) insofar as it does not conflict with the provisions of this Section;

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Article 10. Section 13 (Rural Productive Microcredit – Group “B”) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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b) .........................................................

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III - financing for construction or renovation of dwellings and sanitary installations in the beneficiary's residence, observing the limits and conditions of Table 2 of MCR 7-6;

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d) ........................................................

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III - credit for construction or renovation of dwellings and sanitary installations: up to 60 (sixty) months;

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b) the receipts relating to the acquisition of machines, equipment, vessels, and vehicles financed in the collective credit modality with a value higher than R$20,000.00 (twenty thousand reais) must be delivered to the financier within the period established in MCR 2-5-10.” (New Text)

Article 11. Section 14 (Investment Credit for Agroecology – Pronaf Agroecologia) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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b) .........................................................

I - financing of ecological or organic base systems, including costs related to the implementation and maintenance of the enterprise, services destined for the transition to the conversion of production and to the certification of organic products;

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IV - investments in machines, equipment, and implements linked to the purposes foreseen in items I to III;

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Article 12. Section 16 (Investment Credit in Extractive Exploitation Systems, Sociobiodiversity Products, Renewable Energy, and Environmental Sustainability – Pronaf Bioeconomia) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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b) ........................................................

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VI - projects for the collection and production of native seeds, implementation of nurseries for native or exotic forest essences and monitored or certified fruit trees;

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“2 - When destined for investment projects for the palm, rubber, and macaúba crops, the credits referred to in this Section are subject to the following special conditions:

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b) purpose: investment for the implementation of palm, rubber, and macaúba crops, with associated working capital for crop maintenance until the sixth year;

c) ........................................................

I - for the palm and macaúba crops: up to 14 (fourteen) years, including up to 72 (seventy-two) months of grace period;

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Article 13. Section 17 (Guided Productive Investment Credit – Pronaf Produtivo Orientado) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

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b) .........................................................

I - enable access to educational rural credit, in which the supply of resources will be combined with the provision of technical assistance, comprising planning, technical guidance for all productive activities, financial education, and supervision of the family production unit in agrarian production;

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Article 14. Section 18 (Transitional Norms) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR shall be effective with the following alterations:

“5-A - In the 2026/2027 agricultural year, the granting of additional working capital credit under the protection of Group “B” of Pronaf, in the value of up to R$8,000.00 (eight thousand reais), is admitted for women classified in this group, whereby no compliance bonus will be applied to the additional value.” (New Text)

“14 - Until June 30, 2027, it is admitted that singular agricultural production cooperatives may access the credit lines referred to in MCR 10-6, MCR 10-11, and MCR 10-12, observing the purposes and financing conditions foreseen for each line, provided they cumulatively meet the following requirements:

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b) present an active legal entity CAF for this form of organization;

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Article 15. Item 4, letter “c” of Section 2 (Beneficiaries) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR is revoked.

Article 16. This Resolution enters into force