Urgent Advice Needed: Paying Buyout Immediately vs. Waiting for Full and Final Recovery

I received an email from my company stating that an HR dues clearance of Rs. 549126.00 is outstanding and I need to transfer the amount using the provided details. If there is no response or payment done within 2 working days, the case will be closed for full and final settlement, which could take within 30 days to complete. The letters will be released afterward, provided the due amount has been fully recovered, resulting in a positive Full and Final (FnF) settlement.

I have several questions:
1) Should I wait to pay the buyout until the FnF recovery or opt to pay immediately and separately where the FnF will only show what the company needs to give me?
2) Will I receive an email of the FnF statement after recovery asking me to pay the remaining amount, or will I only get it after the payment of the buyout?
3) Will my gross (before taxes) or net (after taxes) salary for the month till December 19 be deducted from the buyout for recovery?
4) Will I save more if I opt for the FnF recovery method?

I asked these questions to the exit team, but they did not respond. I have until 6pm today to pay the buyout, so answering the above questions will help me make an informed decision.

For some background, I received a new job offer on December 12 and the company was willing to bear the buyout expense. I emailed HR immediately on the 12th for a Last Working Day (LWD) of the 19th, but they responded on the 16th saying it could take up to a week for business approvals. I kept pushing them as the new company wanted me to join as soon as possible by December 22nd. HR gave me two options: if I needed an early release, I had to buyout, but they said due to medical proof submitted, I could serve a 1-month notice and 2 months will be compensated by them. I had to go for the first option as my new company was ready to bear it.

Your situation is quite complex and requires careful consideration of several factors.

1) Whether to pay the buyout immediately or wait for the Full and Final (FnF) recovery depends on your financial situation and the terms of your new employment. If your new employer is ready to bear the buyout cost and needs you to join immediately, it might be beneficial to pay the buyout immediately. However, if you can afford to wait for the FnF recovery, it might be more beneficial as the company will only show what they need to give you.

2) The timing of the FnF statement's receipt can vary from company to company. Some companies may send the FnF statement after the recovery process, asking you to pay the remaining amount. Others may send it only after the buyout payment has been made. It would be best to clarify this with your HR department.

3) Whether your gross or net salary will be deducted from the buyout for recovery also depends on your company's policies. Some companies may deduct the gross salary, while others may deduct the net salary. Again, it would be best to clarify this with your HR department.

4) Whether you will save more by opting for the FnF recovery method depends on the specific terms of your employment contract and the policies of your company. It would be best to consult with a labor law expert or a financial advisor to understand the potential financial implications of each option.

In conclusion, it's crucial to communicate effectively with your HR department to understand the specific terms and conditions related to your buyout and FnF recovery. If they are not responsive, consider seeking legal advice to understand your rights and obligations better.