Asked by a reader in Bengaluru

By when must my full and final settlement be paid after I leave?

Answered by Advocate Sharan Jain··Employment & Labour Law

Legal Shorts · 78 words

A full-and-final settlement contains several payments with different rules. The Code on Wages ordinarily requires exit wages within two working days, subject to its provisions. That is not a universal deadline for every item in a settlement. Gratuity has its own payment rule, and contractual incentives depend on their terms. Ask for a dated, itemised calculation showing each deduction and payment. Keep the last-working-day record and avoid signing an acknowledgement that money has arrived when it has not.

Short sources checked:

WhatsApp

The forty five day or sixty day settlement cycle is a policy, not a statute. The statutory position, since the codes commenced on 21 November 2025, is much tighter, and knowing the difference turns a request into a demand.

Wages: two working days

The Code on Wages, 2019 sets time limits for payment of wages generally, and then deals separately with the exit. Where an employee has been removed or dismissed from service, or retrenched or has resigned from service, or became unemployed due to closure of the establishment, the wages payable are to be paid within two working days of the removal, dismissal, retrenchment or resignation. Two qualifications sit alongside it: the appropriate Government may provide a different time limit where it considers that reasonable, and the provision does not affect a time limit provided by any other law in force.

What "wages" carries with it
The two working day rule attaches to wages as the Code defines them: basic pay, dearness allowance and retaining allowance, with the excess added back where the excluded allowances exceed one half of total remuneration, and with conveyance allowance, house rent allowance, remuneration under an award or settlement and overtime allowance expressly taken into the computation for the purpose of payment of wages. So the sum due on exit is not merely the basic pay for the days worked.

Leave encashment: also two working days

The Occupational Safety, Health and Working Conditions Code, 2020 deals with leave separately and reaches the same place. Where a worker is discharged or dismissed, quits, is superannuated or dies in service during a calendar year, that worker or the heir or nominee is entitled to wages in lieu of the leave to credit, even if the worker has not completed the qualifying period ordinarily needed to take the leave. Payment is due before the expiry of the second working day from the discharge, dismissal or quitting, and within two months where the exit is on superannuation or death.

Gratuity: thirty days, with interest for delay

The gratuity chapter of the Code on Social Security, 2020 runs on its own timetable. As soon as gratuity becomes payable, the employer must determine the amount whether or not an application has been made, give written notice of the amount to the person entitled and to the competent authority, and arrange to pay within thirty days from the date it becomes payable. If it is not paid within that period, the employer must pay simple interest from the date it became payable to the date of payment, at a rate not exceeding the rate notified by the Central Government for repayment of long term deposits, unless the delay was due to the employee's own fault and the employer has obtained the competent authority's written permission for the delay. Where the amount or the entitlement is disputed, the employer must deposit with the competent authority what it admits to be payable, and the authority decides after inquiry. Our guide on gratuity rules, eligibility and calculation in India works through the computation you should be checking against the employer's figure.

The exit clocks, head by head
HeadWhen it is dueSource
Wages for days worked, and other wage componentsTwo working days from removal, dismissal, retrenchment or resignationCode on Wages, 2019
Wages in lieu of leave to creditBefore the expiry of the second working day, or two months on superannuation or deathOccupational Safety, Health and Working Conditions Code, 2020
GratuityThirty days from becoming payable, then simple interestCode on Social Security, 2020
Notice pay, retention bonus, variable pay, incentivesAs the contract or the policy providesContract of employment
Relieving letter and experience certificateNo statutory clockContract and practice

What the two day rule does not do

  • It does not cover the contractual heads. A retention bonus, a discretionary incentive or a deferred variable payout falls due when the contract says, and the argument about those is a contractual one. Read the appointment letter and the policy before you frame the demand; our guide on what an Indian employment agreement should contain sets out which of those clauses actually bind.
  • It does not settle a notice period dispute. An employer may claim notice pay if the contract provides for it and may adjust it where the contract allows adjustment. What it cannot do is treat a notice dispute as a reason to withhold statutory dues indefinitely.
  • It does not authorise a deduction. Any deduction from the final payment must fall within the closed list of purposes the Code on Wages allows, and total deductions in a wage period cannot exceed fifty per cent of wages.

Enforcing it

Send an itemised demand on the last working day itself, head by head, with the amount and the basis for each, and quote the two working day requirement for the wage heads and the thirty day requirement for gratuity. Ask for the employer's own computation if it disputes yours. If nothing moves, the wage heads go to the authority appointed under the Code on Wages, which may order compensation of up to ten times the amount determined and certifies recovery to the Collector, and the application is ordinarily made within three years of the claim arising. Gratuity goes to the competent authority under the gratuity chapter of the Code on Social Security, 2020. Where the settlement dispute is really the tail end of a contested exit, the two fights are one, and our guide on wrongful termination and employee rights in India sets out the sequence for the larger claim.

Sources

The law this answer relies on, so you can read it yourself.

  1. 1.Code on Wages, 2019 - 17 Read the source
  2. 2.Code on Social Security, 2020 - 56 Read the source
  3. 3.Labour Ministry commencement announcement, 21 November 2025 Read the source
  4. 4.Code on Wages commencement notification, 21 November 2025 Read the source
  5. 5.Section 17, Code on Wages, 2019. Time limit for payment of wages, requiring wages to be paid within two working days where an employee has been removed or dismissed, retrenched, has resigned, or became unemployed due to closure of the establishment. Read the source
  6. 6.Section 32, Occupational Safety, Health and Working Conditions Code, 2020. Wages in lieu of leave to credit on discharge, dismissal or quitting, payable before the expiry of the second working day, and within two months on superannuation or death. Read the source
  7. 7.Section 56, Code on Social Security, 2020. The employer must determine the amount of gratuity whether or not an application is made, notify it, and pay within thirty days, failing which simple interest runs, with disputes going to the competent authority. Read the source
  8. 8.Section 2, Code on Wages, 2019. Clause (y) defines the wages that the two working day rule attaches to, including the second proviso which takes conveyance allowance, house rent allowance, award remuneration and overtime allowance into the computation for the purpose of payment of wages. Read the source
  9. 9.Section 18, Code on Wages, 2019. Deductions may be made only for the purposes the Code authorises, and total deductions in any wage period may not exceed fifty per cent of wages. Read the source
  10. 10.Section 45, Code on Wages, 2019. Claims before the authority appointed under the Code, with compensation up to ten times the amount determined and recovery certified to the Collector, ordinarily filed within three years. Read the source

The short answer's sources were checked on 12 September 2026. Statutes and judgments can change, so check the current position before you act on anything here.

Nothing there yet? Send the question in and it gets answered here.

Related legal service

Dealing with this yourself rather than reading about it? Our Bangalore advocates work in this area.

Go deeper on this

This answer is the short version. These guides cover the same ground in full, with the procedure, the timelines and the leading cases.

SJ

Answered by

Advocate Sharan Jain

Advocate based in Bangalore, practising before the Karnataka High Court and District, Sessions, Consumer and Family courts. Answers public legal questions to make Indian law more accessible.

This answer is general information on Indian law as at August 27, 2026, published for public education. It is not legal advice, it does not take account of your facts, and reading it does not create an advocate-client relationship. Law changes and every case turns on its own circumstances. Please consult a qualified advocate about your own matter.

People also asked

Employment & Labour

My employer is withholding my full and final settlement and relieving letter. What are my options?

Ask HR for an itemised statement showing salary, deductions, leave, gratuity and any contractual payment separately. An exit dispute does not give an employer unrestricted power to withhold wages: the Code on Wages limits deductions and provides a claim procedure. Keep your appointment letter, payslips, resignation and bank statements. Ask for the relieving letter separately. The correct recovery route depends on the particular amount owed. Provident fund, gratuity and a contractual incentive are not the same claim.

Employment & Labour

What counts as wages under the Code on Wages for PF and gratuity?

The Code's wage definition starts with remuneration payable under the employment terms and expressly includes basic pay, dearness allowance and retaining allowance. It then lists exclusions, with an add-back rule for specified excluded components above the statutory proportion. It is inaccurate to treat every allowance as excluded for every purpose. Ask payroll for a component-by-component calculation and the purpose for which it is being used. A payslip label alone does not settle the statutory wage figure.

Employment & Labour

How is gratuity calculated, and do I qualify if I left before five years?

Gratuity usually requires five years' continuous service in a covered establishment. There are exceptions, including death, disablement and expiry of genuine fixed term employment. The calculation uses wages as legally defined, not necessarily just the basic salary printed on a payslip. For a monthly paid employee, the usual formula uses fifteen days' wages for each qualifying year, with the statutory calculation and ceiling applied. Ask for the employer's written calculation before accepting that leaving slightly early ends your claim.

Employment & Labour

My employer is paying below minimum wage. Where do I complain in Karnataka?

First identify the minimum-wage notification covering your job, location and employment period. Karnataka does not have one figure that answers every worker's claim, and the Central Government fixes rates for some establishments. Compare the applicable rate with the legally relevant pay components and your records of work. If there is a shortfall, the Code on Wages provides a claim route. Keep payslips and bank credits, and check the filing deadline instead of letting repeated payroll assurances consume the available time.

Employment & Labour

What are the working hours and overtime rules under the new codes?

For workers and establishments covered by the Occupational Safety Code, daily hours and overtime protections apply, with overtime payable at twice the wage rate under the relevant conditions. State rules, exemptions and Karnataka's Shops Act may also affect an office's working arrangements. A long day does not establish the payable amount by itself. Keep attendance records, rosters and overtime instructions, then check your role's coverage and the applicable daily or weekly threshold before calculating the claim.

Employment & Labour

My employer wants me to sign a release before paying my dues. Should I?

Do not sign a receipt saying you have been paid when the money has not arrived. Section 60 of the Code on Wages protects amounts due under that Code from being signed away. A wider release may still settle contractual claims, so check each clause before agreeing. Ask for an itemised settlement, a payment date and clear wording about which claims are being settled. Keep the offer and your written response. Adding 'under protest' is not a substitute for reading the release.

S Jain & Attorneys · Ask Me

Still not the question you had in mind?

Search the column, or send your question in. Questions of general interest are answered here, anonymously, so the next person does not have to ask.