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I believe it's mentioned in the offer letter.
I understand it’s very troubling to lose hard-earned money just because of a few days. However, you can’t challenge something that is factually correct. They will simply say, 'You should have checked.'
You can raise your concerns only if they have confirmed the gratuity over email.
No action needed. You can withdraw gratuity only upto 20 lacs in your lifetime. You will get opportunity in future from some employer to recover this once your salary increases. Dont make mistake again. Learn from this experience and move on