From September 30, PNJ shortened buyback payment for SJC gold bars, plain rings, Phuc Loc Tai gold and Kim Bao gold to T+2, the second day after the transaction. These products receive full payment instead of instalments over 120 days.
Some jewellery and gift categories use T+7. Diamond jewellery, coloured-stone jewellery, pearl jewellery and loose diamonds retain a 120-day schedule. The revised policy is product-specific and does not promise full payment within two days for every gold or jewellery buyback.