This paper deals with the study of quasi-spherical gravitational collapse in the framework of f (R , T) theory. We will divide geometry of the star into two distinct portions i.e. interior portion and exterior portion. In the interior portion, we consider quasi-spherical Szekeres line element and in the exterior portion we take Vaidya line element. The interior and exterior portions will be glued by using Israel's junction conditions [W. Israel, Il Nuovo Cimento B (1965–1970) 44, 1 (1966); W. Israel, Phys. Lett. A 24, 184 (1967)]. The field equations will be derived in the context of f (R , T) theory for a particular model. Apparent horizons and their time configuration for various desirable cases will also be discussed. [ABSTRACT FROM AUTHOR]