Answer: It's not easy to say
In my experience it's difficult to conclusively say whether fin rot is involved or not. It is, of course, possible that your fish ripped its fin on something in the tank but you would expect a single rip as opposed to multiple missing curves. My catfish occasionally rip their tails on the wood in the tank but this is normally a few long rips up the length of the tail and these heal up pretty quickly.
Fin rot can be encouraged by a rip in the fin so it may have started as a single rip and fin rot has started to eat away at the fin. As with most fish illnesses, the potential for disease is almost always in your tank's water but when they strike it can be a pointer to other problems like poor water quality, fish stress or other contributing factors. A healthy fish in a healthy tank should be able to fight off fin rot before it can take hold.
It is possible that the gravel could have ripped the fins but the fish would have limited, forceful contact with the gravel unless it had something like Ich and was trying to scratch.
Tail nipping can also look a bit like fin rot. However, as you said you've got no other fish in the tank, I won't pursue this option.
All is not lost!
There's two things to say here:
- In a clean, healthy tank environment, a fish can grow a nice rounded tail fin back. I've had personal experience where I inherited a bashed up Gourami who's tail has completely recovered from being ragged.
- You've caught it relatively early, so you have much less raggedness to treat.
In terms of treatment, depending on your locality, you may be able to get over the counter antibiotics for this kind of thing. You can also try aquarium salt which can help to treat the problem.
In my experience, you can get very good results just by ensuring that the water quality is excellent. No Ammonia, Nitrite, no Nitrates over about 30ppm and regular water changes. This will also help to stop the fish having other problems in the future with similar illnesses. Providing good quality water will not stress the fish out as much as the change in water parameters due to medicines might. In some cases, just leaving the fish to heal on it's own can be the most effective solution but you must be sure that your tank parameters are up to scratch or the disease will take hold.
Keep a good watch on the fin (perhaps photograph it each day so you can see the change) and if it worsens, you could take more aggressive treatment actions.