Resolution CMN No. 5,230 — Adjusts rules for rural credit operations contracted under the National Program for Strengthening Family Agriculture (Pronaf) effective July 1, 2025

Resolution No. 5,230

The current text of the MCR can be found at the following website: www3.bcb.gov.br/mcr.

RESOLUTION
CMN No. 5,230, OF JULY 1, 2025

Adjusts rules to be applied to rural credit operations contracted under the National Program for Strengthening Family Agriculture – Pronaf from July 1, 2025.

The Central Bank of Brazil, in accordance with Art. 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, 2025, in accordance with Arts. 4, caput, item VI, of Law No. 4,595, of December 31, 1964, 4 and 14 of Law No. 4,829, of November 5 1965, 48, § 2, of Law No. 8,171, of January 17, 1991, and 3, § 3, of Law No. 11,326, of July 24, 2006,

R E S O L V E D:

Art. 1 Section 1 (General Provisions) of Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the Rural Credit Manual – MCR shall enter into force with the following changes:

“2 - ..........................................................................................................................................

a) technical assistance is optional for funding or investment financing, with the financial institution, whenever it deems necessary, requesting its provision, observing that the services:

.................................................................................................................................................

V

• when financed, their costs must be calculated in accordance with items 42,
  43, 44, 45 and 46, except if there are specific technical assistance costs defined for the programs or credit lines of this Chapter;

.......................................................................................................................................” (NR)

“8

• The financial charges and credit limits applicable to rural financing
  under this Chapter are defined in Chapter 7 of this MCR.” (NR)

“9

• In granting credit under the special lines intended for
  family farmers classified in Groups “A”, “A/C” and “B” and the lines covered by Sections Investment Credit for Agroforestry Systems – Pronaf Forest, Investment Credit for Adaptation to Climate Change and Coexistence with the Semi-Arid Region – Pronaf Semi-Arid and Investment Credit for Youth – Pronaf Youth, when the operations are carried out with the risk of the Union or the Constitutional Financing Funds of the North – FNO, of the Northeast – FNE and of the Center-West – FCO, only the personal guarantee of the applicant shall be required, and the use of collective contracts is admitted for these operations when farmers formally manifest, in writing, this intention.” (NR)

“10

• ..........................................................................................................................................

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

.................................................................................................................................................

II

• the Section Investment Credit for Adaptation to Climate Change and Coexistence with the
  Semi-Arid Region – Pronaf Semi-Arid;

.......................................................................................................................................” (NR)

“14

• ..........................................................................................................................................

.................................................................................................................................................

d) those covered by Sections 2, 3 and 7 of Chapter 9 (Coffee Economy Defense Fund – Funcafé).” (NR)

“23

• Farmers classified in Groups “A”, “A/C” and “B”,
  including those who formalized financing for complementary structuring, may contract operations under Sections Investment Credit for Agroforestry Systems – Pronaf Forest and Investment Credit for Adaptation to Climate Change and Coexistence with the Semi-Arid Region – Pronaf Semi-Arid with full risk to the Union or to FNO, FNE and FCO, observing the following conditions:

.................................................................................................................................................

f) in the lines covered by Sections Investment Credit for Agroforestry Systems – Pronaf Forest or Investment Credit for Adaptation to Climate Change and Coexistence with the Semi-Arid Region – Pronaf Semi-Arid, each family production unit may only maintain “in force”, respectively, 1 (one) or 2 (two) operations, in each of them, regardless of the number of members that compose the family unit.” (NR)

“34

• ..........................................................................................................................................

.................................................................................................................................................

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

.................................................................................................................................................

II

• up to R$80,000.00 (eighty thousand reais) for investment, this limit
  being able to be up to R$120,000.00 (one hundred and twenty thousand reais) when it comes to financing of agroforestry system projects in accordance with MCR 10-7-1-“b”-I.” (NR)

“37
-
..........................................................................................................................................

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

.................................................................................................................................................

II

• that are not on the list of the More Food Program and the list of CFI of
  BNDES, up to a credit limit of R$25,000.00 (twenty-five thousand reais) per financed item;

.................................................................................................................................................

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

.................................................................................................................................................

II

• manufactured in Brazil, with at least 1 (one) year of use, revised and with
  a warranty certificate issued by a dealership or authorized reseller, the warranty certificate being replaceable by an evaluation report issued by the technical responsible for the project attesting to national manufacturing, perfect functioning, good condition and that the estimated useful life of the machine or equipment is greater than the financing repayment period;

III

• when the financing provided for in item II involves used items
  acquired during the factory warranty period, the warranty certificate or evaluation report issued by the technical responsible is waived;

.......................................................................................................................................” (NR)

“39

• ..........................................................................................................................................

a) the total indebtedness limit of the borrower, in the entire SNCR and in all Pronaf credit lines, does not exceed R$50,000.00 (fifty thousand reais), taking as a basis the sum of the outstanding balances “in force” that count with the application of the methodology provided for in the caput of this item, respecting the limit of R$30,000.00 (thirty thousand reais) per credit operation; and

.......................................................................................................................................” (NR)

“43

• ..........................................................................................................................................

.................................................................................................................................................

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

.......................................................................................................................................” (NR)

Art. 2 Section 2
(Beneficiaries) of Chapter 10 of the MCR shall enter into force with the following changes:

“1

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

.................................................................................................................................................

f) have obtained gross family income, in the last 12 (twelve) months of normal production preceding the CAF request, of up to R$500,000.00 (five hundred thousand reais), considering in this limit the sum of 100% (one hundred percent) of the Gross Production Value – VBP, 100% (one hundred percent) of the value of revenue received from an integrating entity and other revenues from activities developed on and off the establishment, received by any family member, excluding social benefits and pension benefits derived from rural activities;

.................................................................................................................................................

i) when it comes to dairy activity, coffee farming, fruit farming or vegetable farming, 70% (seventy percent) of the VBP of these activities must be considered in the calculation of the limit provided for in clause “f”. ” (NR)

“2

• Also beneficiaries of Pronaf, upon presentation of a valid CAF showing classification in Pronaf, are persons who:

.......................................................................................................................................” (NR)

“3

• Pronaf beneficiaries defined in items 1 and 2 may be classified into
  special groups of the Program, upon presentation of a valid CAF showing classification in these groups, according to the following conditions:

.................................................................................................................................................

c)
Group “A/C”:

I

• the beneficiaries referred to in items I, II and III of clause “a” who have contracted their first operation in Group “A” and who have contracted up to 2 (two)
  funding operations in Group “A/C”;

.................................................................................................................................................

d) beneficiaries classified in Groups “A”, “A/C” and “B” may be classified, as appropriate, as beneficiaries covered by items 1 or 2 of this Section, to access, when requested directly by the farmer himself, the other rural credit lines of Pronaf, observing the conditions of each line and provided that he presents repayment capacity compatible with the value and other conditions of the requested credit, as determined by the financial institution.” (NR)

“4

• A valid CAF showing the beneficiary’s classification in Pronaf according to the criteria established in items 1, 2 and 3 is required for granting financing under Pronaf, observing also that:

a) it must be issued by agents accredited by MDA;

b) it must be prepared for the family production unit, prevailing for all family members who comprise the rural establishment and exploit the same land areas; and

c) it may be differentiated to meet specific characteristics of the different Pronaf beneficiaries.” (NR)

“5

• For the purpose of proving the beneficiary’s link to the land and activity, the valid CAF is sufficient for the purpose of contracting Pronaf financing, provided that it shows classification in the credit line covered by the Section Rural Productive Microcredit (Group “B”), and, at the discretion of the financial institution, it may be used for contracting funding or investment financing in the other Pronaf lines.” (NR)

“6

• Pronaf beneficiaries may access the available credit lines of Pronaf, observing the specific conditions of each line, provided that they present repayment capacity compatible with the requested value and with the other conditions of the credit, as determined by the financial institution.” (NR)

Art. 3 Section 3 (Credit for Beneficiaries of PNCF, PNRA and PCRF and for Indigenous and Quilombola People) of Chapter 10 of the MCR shall enter into force with the following changes:

“1-A

• The credits covered in this Section may be destined to family agriculture cooperatives that, cumulatively:

a) have an annual gross operational revenue of up to R$ 10,000,000.00 (ten million reais);

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

c) present projects with the purpose of financing working capital or investment to serve partners who have a valid 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 criteria of MCR 10-2-3-“a” and “c”;

d) are participating in the National Program for Supporting the Qualification of Management of Family Agriculture Enterprises – More Management, established by MDA Ordinance No. 26, of August 10, 2023, or in the National Program for Strengthening Cooperativism, Associativism and Solidarity Enterprises of Family Agriculture – Program Coopera Mais Brasil, established 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 a Registration of Inscription in the National Registry of Family Agriculture – RICAF active for this form of organization.” (NR)

“2

• ..........................................................................................................................................

a) repayment:

I

• up to 10 (ten) years, including up to 36 (thirty-six) months of grace period, according to the activity and the technical project;

II

• up to 8 (eight) years, including up to 24 (twenty-four) months of grace period,
  when it comes to investment financing for the cooperatives referred to in item 1-A;

III

• up to 2 (two) years, including up to 6 (six) months of grace period, when it comes to
  working capital financing for the cooperatives referred to in item 1-A;

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

I

• it is proven, through a declaration from technical assistance, the installation of the beneficiary family on the rural plot, or on the indigenous land declared,
  according to an ordinance from the Ministry of Justice and Public Security, or homologated or in the certified quilombo, with habitual residence, water for human consumption and access road allowing the commercialization of production;

.......................................................................................................................................” (NR)

“5

• ..........................................................................................................................................

a) agricultural and livestock funding: the terms established in MCR 3-2-13 and MCR 3-2-13-A;

.................................................................................................................................................

c) funding for agroindustry: up to 12 (twelve) months.” (NR)

“9

• When technical assistance costs are included in the project, provided that
  authorized by the borrower, payment may be made by the financial institution directly to the service provider.” (NR)

Art. 4 Section 4 (Funding Credits) of Chapter 10 of the MCR shall enter into force with the following changes:

“1

• Funding credits are exclusively intended for beneficiaries of the
  National Program for Strengthening Family Agriculture – Pronaf covered by the Section Beneficiaries of this Chapter, observing the provisions of MCR 10-2-3-“d”. ” (NR)

“3

• Funding credit must observe the repayment terms provided for in MCR
  3-2-13 and 13-A, allowing in the credit for aquaculture the extension of the term by 1 (one) year according to the productive cycle of each species present in the plan, proposal or project.” (NR)

“4

• ..........................................................................................................................................

a) agricultural: must be fixed for a period not exceeding 60 (sixty) days after the date of harvest, observing the provisions of item 5;

.......................................................................................................................................” (NR)

“6

• The contracting of funding financing with provision for simplified renewal is admitted, observing the provisions of this Section and
  MCR 3-2-19.” (NR)

“10

• ..........................................................................................................................................

.................................................................................................................................................

c) the simple plan or technical project must contain a declaration from the beneficiary or from the technical responsible for its elaboration that the standards established by the Ministry of Agrarian Development and Family Agriculture – MDA and other applicable legal and regulatory standards have been observed, observing that, in case of false declaration, the borrower will not be able to contract rural credit operations for a period of two years, without prejudice to other sanctions and penalties provided for in legislation.” (NR)

“Annex I - Products for forming the basket of vegetables:

Table - Products to compose the basket of vegetables
Pumpkin	Spinach
Zucchini	Cowpea (green bean pod)
Saffron	Ginger
Chard	Mint
Watercress	Yam
Celery	Jiló
Artichoke	Basil
Lettuce	Cassava (baroa potato)
Garlic	Malabar spinach
Leek	Watermelon
Chicory	Melon
Asparagus	Mint
Sweet potato	Strawberry
Eggplant	Moringa
Beetroot	Mustard
Broccoli	Radish
Loofah	Ornamental Plants (seedlings)
Camapu (physalis)	Cucumber
Taro	Pepper
Onion	Bell pepper
Green onion	Okra
Carrot	Radish
Endive	Cabbage
Chayote	Arugula
Cilantro	Parsley
Kale	Serralha
Cauliflower	Taioba
Fennel	Cherry tomato
Medicinal, aromatic or condiment herbs;	Table tomato staked
Pea (green bean pod)	Table tomato bush
Escarole	Bean pod

” (NR)

Art. 5 Section 5
(Investment Credit – Pronaf More Food) of Chapter 10 of the MCR shall enter into force with the following changes:

“1-
...........................................................................................................................................

.................................................................................................................................................

c) are restricted to financing of items directly related to the implementation, expansion or modernization of the structure of production activities, storage, transport or agribusiness or non-agribusiness services, on the rural property or in nearby rural community areas, and the construction or renovation of housing on the rural property, including accessibility adaptations, land regularization of the rural property, acquisition of equipment and programs of information technology aimed at improving the management of rural enterprises and items related to connectivity systems in the countryside, according to specific technical projects;

.................................................................................................................................................

f) can be used to acquire equipment adapted for people with disabilities and motorized wheelchairs for off-road use, whose use is necessary for work on the property by the beneficiary or by their family members.” (NR)

2

• ............................................................................................................................................

.................................................................................................................................................

b) up to 7 (seven) years, with a grace period of up to 12 (twelve) months, for the acquisition of tractors and associated implements, combines and their cutting platforms, as well as self-propelled agricultural machines for spraying and fertilizing, when these items are financed with equalized resource sources;

c) up to 8 (eight) years, including up to 36 (thirty-six) months of grace period for the isolated acquisition of breeding stock, sires, service animals, semen, eggs and embryos;

d) up to 10 (ten) years, including up to 36 (thirty-six) months of grace period, for:

I

• other financeable items; or

II

• the items covered by clause “b”, when financed with non-equalized resource sources.” (NR)

Art. 6 Section 6 (Investment Credit for Income Aggregation – Pronaf Agroindustry) of Chapter 10 of the MCR shall enter into force with the following changes:

“

"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 processing, manufacturing, and marketing agricultural and livestock products, or for providing rural tourism services, provided it is formed exclusively by one or more Pronaf beneficiaries as defined in the Beneficiaries Section of this Chapter, proven by the presentation of a list with the valid National Registry of Family Agriculture – CAF number of each partner with the Pronaf classification according to the criteria of MCR 10-2, and that, at least, 70% (seventy percent) of the production to be processed, manufactured, or marketed is produced by its members." (NR)

"3

• Cooperatives (singular or central) of family agriculture, as referred to in § 4 of art. 3 of Law No. 11,326 of 2006, are those that prove that, at least, 75% (seventy-five percent) of their active participants are Pronaf beneficiaries, proven by the presentation of a list with the valid CAF number of each member showing the Pronaf classification according to the criteria of MCR 10-2, and that, at least, 55% (fifty-five percent) of the production to be processed, manufactured, or marketed originates from members classified in Pronaf, and whose financing project proves these same percentages regarding the number of participants and the production to be processed, manufactured, or marketed related to the respective project." (NR)

"4

• ..........................................................................................................................................

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

.................................................................................................................................................

II

• the rural family enterprises defined in item 2 that present an active legal entity CAF or an active Registration of Inscription in the National Registry of Family Agriculture – RICAF for family agroindustry;

III

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

.................................................................................................................................................

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

.................................................................................................................................................

VIII

• acquisition of operational assets of existing enterprises related to actions classified under the purposes of items I, II, III, and VII, provided it is accompanied by a PPA report (Purchase Price Allocation), an analysis of the technical and economic feasibility of the acquisition, and an analysis of the benefits generated by the integration of the asset into the activities already developed by the family farmer or by the singular or central cooperative;

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

I

• up to 10 (ten) years, including up to 36 (thirty-six) months of grace period, observing the provisions of MCR 10-1-30;

II

• up to 5 (five) years, including 12 (twelve) months of grace period, when it concerns cargo pickup trucks." (NR)

Art. 7 The Section 7 (Investment Credit for Agroforestry Systems – Pronaf Floresta) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

.................................................................................................................................................

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

I

• up to 20 (twenty) years, including the grace period for principal, of up to 144 (one hundred and forty-four) months, in financing destined exclusively for agroforestry system projects, except for beneficiaries classified in Groups “A”, “A/C” and “B”;

II

• up to 12 (twelve) years, including the grace period for principal, of up to 96 (ninety-six) months, in other cases." (NR)

"2

• ..........................................................................................................................................

a) acquisition of animals, except sows and breeding stock exclusively when destined for Livestock-Crop-Forest Integration projects;

......................................................................................................................................." (NR)

Art. 8 Section 8 (Investment Credit for Coexistence with the Semi-Arid Region – Pronaf Semiárido) of Chapter 10 of the MCR shall be renamed “Investment Credit for Adaptation to Climate Change and Coexistence with the Semi-Arid Region (Pronaf Semiárido)”.

Art. 9 Section 8 (Investment Credit for Adaptation to Climate Change and Coexistence with the Semi-Arid Region – Pronaf Semiárido) of Chapter 10 of the MCR shall be amended as follows:

"1 - Financing under the Investment Credit Line for Adaptation to Climate Change and Coexistence with the Semi-Arid Region – Pronaf Semiárido is subject to the following special conditions:

.................................................................................................................................................

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

.................................................................................................................................................

III

• investment in irrigation systems in the semi-arid region, including with photovoltaic energy;

.................................................................................................................................................

d) repayment: up to 10 (ten) years, including up to 36 (thirty-six) months of grace period, which may be extended to up to 60 (sixty) months, when the assisted activity requires this term and the technical project proves its necessity." (NR)

Art. 10 Section 9 (Investment Credit for Women – Pronaf Mulher) of Chapter 10 of the MCR shall be amended as follows:

"2

• ..........................................................................................................................................

.................................................................................................................................................

b) upon presentation of a valid National Registry of Family Agriculture – CAF showing the beneficiary's classification in Pronaf, according to the criteria established in MCR 10-2." (NR)

"3

• ..........................................................................................................................................

.................................................................................................................................................

b) that all family members listed in the valid CAF are up to date with rural credit." (NR)

Art. 11 Section 10 (Investment Credit for Youth – Pronaf Jovem) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

a) beneficiaries: youth aged 16 (sixteen) 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 a valid National Registry of Family Agriculture – CAF showing the beneficiary's classification in Pronaf, according to the criteria of MCR 10-2:

.................................................................................................................................................

V - have guidance from a credit agent, if the Pronaf Jovem operation is carried out under the conditions of Pronaf Group “B”, as defined in item 3, and the methodology of the National Program for Guided Productive Microcredit – PNMPO is used for granting credit;

......................................................................................................................................." (NR)

"3

• ..........................................................................................................................................

.................................................................................................................................................

b) that all family members listed in the valid CAF are up to date with rural credit." (NR)

Art. 12 Section 11 (Investment Credit for Family Agroindustry – Pronaf Family Agroindustry Industrialization) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

.................................................................................................................................................

c) repayment, to be fixed by financial institutions based on the analysis of each case, observing the following maximum terms:

I

• up to 24 (twenty-four) months for grapes;

II

• up to 4 (four) months, when processing is limited to cleaning, drying, and storage of grains and cereals in natura; and

III

• up to 12 (twelve) months for other products to be processed, manufactured, or industrialized." (NR)

Art. 13 Section 12 (Credit for Share Integration by Pronaf Cooperativated Beneficiaries – Pronaf Shares) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

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

I

• agricultural and livestock 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 processed, manufactured, or marketed production originates from active partners who are Pronaf beneficiaries, the proof of these percentages being made by the presentation of a written list with the valid National Registry of Family Agriculture – CAF number of each associate; have a minimum net worth of R$25,000.00 (twenty-five thousand reais), have been operating for at least one year, and present to the financial institution an active Registration of Inscription in the National Registry of Family Agriculture – RICAF, as defined by the Ministry of Agrarian Development and Family Agriculture – MDA; and comply with the provisions of the Share Integration Section of the Chapter on Credits to Agricultural and Livestock Production Cooperatives, insofar as they do not conflict with the provisions of this Section;

......................................................................................................................................." (NR)

Art. 14 Section 13 (Productive Rural Microcredit – Group “B”) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

.................................................................................................................................................

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

I

• investment financing for agricultural and non-agricultural activities developed on the rural establishment or in nearby rural community areas, including productive backyards for rural women, as defined in Decree No. 11,642 of August 16, 2023, as well as implementation, expansion, or modernization of production infrastructure and provision of agricultural and non-agricultural services, observing specific simple proposals or plans, understanding the provision of services as non-agricultural activities such as, for example, rural tourism, handicraft production, or other activities compatible with the best use of family labor in the rural environment, with credits covering any demand that can generate income for the attended family, allowing the borrower to use the financing in all or some of the activities listed in the simplified credit proposal without amending the contract;

.................................................................................................................................................

III

• financing for construction or renovation of sanitary facilities in the beneficiary's residence, observing the limits of Table 2 of MCR 7-6;

.................................................................................................................................................

d) repayment, for each financing:

I

• working capital credit: up to 24 (twenty-four) months;

II

• investment credit: up to 36 (thirty-six) months;

......................................................................................................................................." (NR)

"7

• Financial institutions that carry out credit operations under Group “B” of Pronaf with resources from the Constitutional Financing Funds must send to the Secretariat of Family Agriculture and Agroecology – SAF of the Ministry of Agrarian Development and Family Agriculture, in January of each year, information defined by SAF regarding credit operations of Group B, of Pronaf Mulher, and of Pronaf Jovem whose credit was granted under the conditions of Group “B”." (NR)

Art. 15 Section 15 (Price Guarantee Program for Family Agriculture – PGPAF) of Chapter 10 of the MCR shall be amended as follows:

"14

• The financial institution may only grant a discount bonus for the PGPAF to borrowers who, on the date of installment payment, have a valid National Registry of Family Agriculture – CAF classified in Pronaf according to the criteria of MCR 10-2, electronically registered in the MDA's registration system, provided that payment is made by its due date, with the responsibility for verifying the valid CAF registration in the MDA's registration system lying with the institution." (NR)

Art. 16 Section 16 (Investment Credit for Extractive Exploitation Systems, Sociobiodiversity Products, Renewable Energy and Environmental Sustainability – Pronaf Bioeconomy) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

.................................................................................................................................................

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

.................................................................................................................................................

II

• ecologically sustainable sociobiodiversity products, including projects for the production and collection of seeds of native forest species;

.................................................................................................................................................

VI

• projects for the implementation of nurseries for native or exotic forest essences and monitored or certified fruit trees;

.................................................................................................................................................

XIII

• implementation, expansion, and renovation of water capture, storage, and distribution infrastructure, including acquisition and installation of water reservoirs, electrical infrastructure, and equipment for irrigation, including with photovoltaic energy;

.................................................................................................................................................

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

I

• for the purpose provided for in items VII and VIII of letter “b”: up to 12 (twelve) years, including up to 96 (ninety-six) months of grace period, the term of the operation may be extended, in the case of financing with resources from the Constitutional Financing Funds of the North – FNO, Northeast – FNE, and Center-West – FCO, to up to 16 (sixteen) years, when the assisted activity requires it and the technical project or proposal proves its necessity, according to the financial return of the assisted activity;

II

• for other purposes: up to 10 (ten) years, including up to 36 (thirty-six) months of grace period." (NR)

"2

• ..........................................................................................................................................

.................................................................................................................................................

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

I

• for the palm oil crop: up to 14 (fourteen) years, including up to 72 (seventy-two) months of grace period;

II

• for the rubber tree crop: up to 20 (twenty) years, including up to 96 (ninety-six) months of grace period." (NR)

Art. 17 Section 17 (Guided Productive Investment Credit – Pronaf Guided Productive) of Chapter 10 of the MCR shall be amended as follows:

"1

• ..........................................................................................................................................

.................................................................................................................................................

f) repayment: up to 10 (ten) years, including a grace period of 36 (thirty-six) months." (NR)

Art. 18 Section 18 (Transitional Norms) of Chapter 10 of the MCR shall be amended as follows:

"11

• It is exceptionally admitted that beneficiaries of the National Agrarian Reform Program – PNRA and the National Land Credit Program – PNCF who have already reached, in whole or in part, the credit limits provided for in item 2.1 of Table 2 of MCR 7-6 may contract new rural investment and working capital credit operations under Pronaf “A” and “A/C”, observing the provisions of MCR 10-3 and the following specific conditions:

.................................................................................................................................................

e) the disbursement schedule of the credit operation referred to in item I of letter “b”, when the project includes remuneration for technical assistance, must highlight, at most, 5% (five percent) of the total financing for payment of these services during, at least, the first 3 (three) years of project implementation." (NR)

"14 - It is admitted, until June 30, 2026, that singular agricultural and livestock 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 provided for each line, and provided they cumulatively meet the following requirements:

a) have annual gross operational revenue of up to R$100,000,000.00 (one hundred million reais);

b) present an active RICAF for this form of organization;

c) have, at least, 60% (sixty percent) and, at most, 74.99% (seventy-four and ninety-nine hundredths percent) of their active partners classified as Pronaf beneficiaries, proven by the presentation of a list with the valid CAF number of each member classified in Pronaf according to the criteria of MCR 10-2; and

d) have, at least, 55% (fifty-five percent) of the production to be processed, manufactured, or marketed originating from members classified in Pronaf, and whose financing project proves these same percentages regarding the number of participants and the production to be processed, manufactured, or marketed related to the respective project." (NR)

Art. 19 The following are revoked in Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the MCR:

I - items I and II of letter “d” of item 3 of Section 2 (Beneficiaries);

II - item 4 in Section 3 (Credit for PNCF, PNRA, and PCRF Beneficiaries and for Indigenous and Quilombola People);

III - item 7 of Section 4 (Working Capital Credits);

IV - letter “b” of item 10 of Section 4 (Working Capital Credits); and

V - letter “d” of item 1 of Section 14 (Investment Credit for Agroecology – Pronaf Agroecology).

Art. 20 This Resolution enters into force on July 1, 2025.

GABRIEL
MURICCA GALÍPOLO
President of the Central Bank of Brazil