Firstly, it's not too late to pursue your full and final settlement. Here's a practical step-by-step guide to help you resolve this issue:
1. Review Employment Contract: Check your employment contract for details on notice period, salary, incentives, and settlement terms.
2. Document Communication: Keep a record of all emails sent to HR and your boss regarding the pending settlement.
3. Contact HR: Schedule a meeting with HR to discuss the delay and present your case professionally. Request clarity on the outstanding amounts mentioned in the letter.
4. Follow Up: If your boss is unresponsive, politely follow up with reminders via email or phone calls. Document all attempts to contact your boss.
5. Seek Legal Advice: If the delay persists, consider seeking legal advice to understand your rights under Karnataka Labour Law.
6. File a Complaint: As a last resort, you can file a complaint with the labor authorities in Mumbai if the company continues to withhold your dues unlawfully.
Remember to approach the situation calmly and professionally while asserting your rights as an employee.