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I guess that's correct what HR has mentioned as retention bonus gets credited a month after you have completed one year, you can check this in your offer letter as well, it should be mentioned there as well.
That's the reason HR has mentioned it. However, you can re-check with HR regarding the reason for it. Hope they receive your phone. :)

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Technically you should get that in your full and final settlement. Complete one year and get a retention bonus that's the rule.

Well i am hoping for the same, I have worked here for 1 year, exactly. I should get the amount.

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