Rural credit · Pronaf Public credit operated by banks

Pronaf B: rural productive microcredit at 0.5% per year

Pronaf microcredit for the lowest-income families in the countryside, with the program lowest rate and a bonus for on-time payment.

Nature	Public credit operated by banks
Funding source	Controlled rural-credit funds (2026/27 Crop Plan) - Pronaf
Where to apply	Authorized banks and cooperatives
Status	In force - 2026/27 crop year

What it is

Pronaf B (Group B) finances small investments of the family production unit, with agility and special conditions.

Small productive projects of the family unit, including under the National Oriented Productive Microcredit Program (PNMPO) methodology;
Agroecological and organic systems and productive home gardens, with a raised limit;
Housing construction within rural microcredit.

Family units with annual gross family income of up to R$ 60,000 that do not hire permanent salaried labor, with a valid CAF (eligibility expanded by CMN Resolution No. 5,323/2026).

Rate: 0.5% per year for all purposes and beneficiaries of the line.
Limits per crop year: R$ 4,000 (other projects); R$ 12,000 with PNMPO methodology; R$ 20,000 for PNMPO in agroecological and organic systems and productive home gardens; a one-time extra limit of R$ 10,000 for housing and sanitary facilities, with a term of up to 60 months.
On-time payment bonus: 25% on each installment paid by the due date; 40% with PNMPO methodology in enterprises in the semi-arid region (Sudene) and the Amazon (Sudam) in specific actions, and on the extra housing limit.
Group B women: additional working-capital line of up to R$ 8,000 created in the 2026/27 crop year.
Official source: CMN Resolutions No. 5,323 and No. 5,324, of June 30, 2026 (MCR 7-6, Tables 1 and 2, 2026/27 crop year), verified on November 2, 2026.

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