F&F Not Received? Mail to HR Templates for 2026

You resigned, served notice, returned the laptop, and the full and final settlement still hasn't arrived. Phone calls to HR leave no record. A clear email does: it fixes the dates, states the amount, and is the first thing a labour officer will ask to see if it ever comes to that.

The rule your email should quote

Since 21 November 2025, Section 17(2) of the Code on Wages, 2019 says that when an employee resigns (or is removed, dismissed or retrenched), the wages due must be paid within two working days of the last working day. "Our F&F policy is 45 days" is a company habit, not the law.

Wages here means basic, DA, HRA and other allowances, overtime and the last month's salary.
Gratuity runs on its own clock: within 30 days of becoming payable.
Whether leave encashment counts as wages is still argued, so ask for it by name.
PF is not part of F&F: you withdraw or transfer it through EPFO.

Source: Code on Wages, 2019 — Section 17(2), via LiveLaw

Try it on your numbersGratuity CalculatorEnd-of-service gratuity

Before you send anything

Work out your own number first, so the email states an amount instead of asking for one. Our F&F checker takes your last working day, salary, leave balance and years of service, and gives you the amount and the legal deadline.

Check your F&F amount and deadline

Template 1: the first reminder

Send it on the third working day after you leave. Polite, short, and it puts the deadline on record.

First reminder to HR

Subject: Full and final settlement — last working day [date] Dear [HR name], My last working day at [Company] was [date]. I'm writing to check the status of my full and final settlement. Under Section 17(2) of the Code on Wages, 2019 (in force since 21 November 2025), wages due to an employee who resigns are payable within two working days of the last working day, which was [deadline date]. Could you please share the F&F statement and the date the amount will be credited to my account ending [last 4 digits]? Regards, [Name] Employee ID: [ID] · [Phone]

Template 2: before you leave, ask for the computation

The easiest dispute is the one you catch a week early. Send this before your last day.

Request for the F&F computation

Subject: Request for my F&F computation before [last working day] Dear [HR name], As my last working day is [date], could you please share my full and final computation in advance, so I can check it before I leave? Specifically: 1. Salary for [n] days of [month] 2. Leave encashment for [n] days of balance leave 3. Any bonus or incentive already earned 4. Gratuity, if I'm eligible ([years] years of service) 5. Any recovery, with the reason Since wages are now payable within two working days of the last working day (Code on Wages, 2019, Section 17(2)), having the figures early will help us close this on time. Regards, [Name] · Employee ID: [ID]

Template 3: the formal reminder

If a week passes with no answer, send this one with your computation attached and your manager and payroll copied.

Second reminder, with a deadline

Subject: Second reminder — full and final settlement overdue since [deadline date] Dear [HR name], I wrote on [date of first email] about my full and final settlement. My last working day was [date], so under Section 17(2) of the Code on Wages, 2019 the wages were due by [deadline date]. It is now [n] days past that date and I have not received the amount or a statement. Please pay ₹[amount] (my computation is attached) by [date, 7 days from today]. If it isn't received by then, I'll file a claim with the [State] labour department under Section 45 of the Code on Wages, 2019. I'd much rather settle this directly with you. Regards, [Name] · Employee ID: [ID] CC: [Payroll / finance], [your reporting manager]

Template 4: when the F&F amount is wrong

The usual errors are a smaller leave balance, a notice recovery you don't owe, and a missing bonus. List each one with the proof.

Reply to a wrong F&F statement

Subject: F&F statement dated [date] — corrections needed Dear [HR name], Thank you for the full and final statement. I've checked it against my records and these items need correcting: 1. Leave encashment: my balance on [last working day] was [n] days (HRMS screenshot attached); the statement shows [n]. 2. Notice period recovery: I served the full notice from [date] to [date], so no recovery applies. 3. [Bonus / incentive / reimbursement]: ₹[amount] earned for [period] is missing. Could you please send a revised statement and the credit date? As the wages were due by [deadline date], I'd appreciate this being closed quickly. Regards, [Name] · Employee ID: [ID]

If they still don't pay

You can file a claim with your state's labour department under Section 45 of the Code on Wages, 2019, within three years. Keep every email and your relieving letter: the dates in them are your case.

⬇ F&F settlement calculator in Excel (free)

Frequently asked questions

How many days does a company have to pay full and final settlement?: For wages, two working days from the last working day, under Section 17(2) of the Code on Wages, 2019, in force since 21 November 2025. Gratuity has 30 days from when it becomes payable. A 45 or 60-day F&F policy does not override the law.
What should I write in the email to HR for F&F not received?: Your last working day, the legal deadline that followed from it, the amount you expect and how you worked it out, and a clear date by which you expect payment. Keep it short and factual; the templates above are ready to copy.
Can I complain if the F&F is still not paid?: Yes. File a claim with your state labour department under Section 45 of the Code on Wages, 2019, within three years. Your emails and relieving letter are the evidence.

Educational content, not financial advice. Figures are illustrative and based on the rules current at the time of writing; verify specifics with a qualified advisor.