is ibm allow 4 years 240 days for gratuity payment or we need to complete 5 years?

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Yes. 4 yrs and 240 is the cutoff for gratuity.

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I had raised a query with HR about it . Got the confirmation that it's 4 years and 240 days

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But in my offer letter it's mentioned 5 yr of continuous service? Are you sure about tenure?

Yes. You can check the gratuity policy as well.

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