How much time it takes for FnF settlement and experience letter after lwd?

I need some understanding about this as it is my first job. My lwd is Aug 22 but the FnF date given was September 30 . why is it not Aug 30? My salary cycle is 15 to 15.

When we get the F&F settlement to our bank account after relieving? My last working day is Oct, 15th, 2024. I didn't received the final settlement amount in my bank account yet.

When does IBM share the experience letter for ex-employees? Would I get it with my FNF? Can anyone clarify this?