ꯐ꯭ꯔꯤ ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞ ꯃꯦꯀꯔ
ꯊꯥ ꯈꯨꯗꯤꯡꯗ ꯏꯝꯞꯂꯣꯏ ꯈꯨꯗꯤꯡꯃꯛꯇ ꯃꯌꯦꯛ ꯁꯦꯡꯕ ꯄꯦꯁ꯭ꯂꯤꯞ ꯑꯃ ꯄꯤꯌꯨ: ꯑꯔꯅꯤꯡ, ꯗꯤꯗꯛꯁꯟ, ꯄꯦꯗ ꯅꯨꯃꯤꯠ ꯑꯃꯁꯨꯡ ꯋꯥꯍꯩꯅ ꯏꯕ ꯅꯦꯠ ꯄꯦ, ꯁꯦꯡꯕ ꯄꯦꯖ ꯑꯃꯗ꯫ PF ꯑꯃꯁꯨꯡ ESI ꯕꯇꯟ ꯑꯃꯅ ꯊꯤꯗꯣꯛꯏ꯫ ꯂꯣꯒꯏꯟ ꯃꯊꯧ ꯇꯥꯗꯦ, ꯀꯅꯥꯗꯁꯨ ꯀꯔꯤꯁꯨ ꯊꯥꯗꯦ꯫
ꯃꯐꯝ ꯑꯁꯤꯗ ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞ ꯀꯔꯝꯅ ꯁꯦꯝꯒꯗꯒꯦ
- ꯅꯍꯥꯛꯀꯤ ꯕꯤꯖꯅꯦꯁ ꯑꯃꯁꯨꯡ ꯁꯦꯂꯔꯤꯒꯤ ꯊꯥ ꯈꯅꯕꯤꯌꯨ꯫ ꯅꯍꯥꯛꯀꯤ ꯕꯤꯖꯅꯦꯁ ꯃꯊꯛꯇ ꯏꯝꯞꯂꯣꯌꯔ ꯑꯣꯏꯅ ꯄ꯭ꯔꯤꯟꯠ ꯑꯣꯏ꯫ ꯁꯦꯚ ꯇꯧꯔꯕ ꯕꯤꯖꯅꯦꯁꯁꯤꯡ ꯏꯔꯀꯄꯗ ꯎꯠꯂꯛꯀꯅꯤ꯫
- ꯏꯝꯞꯂꯣꯏꯒꯤ ꯗꯤꯇꯦꯜ ꯏꯕꯤꯌꯨ꯫ ꯃꯤꯡ, ꯀꯣꯗ, ꯄꯣꯁ꯭ꯠ, ꯗꯤꯄꯥꯔꯠꯃꯦꯟꯠ, ꯖꯣꯏꯟ ꯇꯧꯈꯤꯕ ꯇꯥꯡ, PAN, UAN, ESI ꯅꯝꯕꯔ ꯑꯃꯁꯨꯡ IFSC ꯒ ꯂꯣꯌꯅꯅ ꯕꯦꯡꯛ ꯑꯦꯀꯥꯎꯟꯠ꯫ ꯃꯃꯥꯡꯒꯤ ꯁ꯭ꯂꯤꯞꯁꯤꯡꯒꯤ ꯏꯝꯞꯂꯣꯏꯁꯤꯡ ꯁꯖꯦꯁꯟ ꯑꯣꯏꯅ ꯎꯠꯂꯛꯏ; ꯑꯃ ꯈꯅꯕꯤꯌꯨ, ꯃꯈꯣꯌꯒꯤ ꯗꯤꯇꯦꯜ ꯃꯄꯨꯡ ꯐꯥꯒꯅꯤ꯫ ꯃꯁꯥꯃꯛꯇꯒꯤ ꯀꯔꯤꯁꯨ ꯃꯄꯨꯡ ꯐꯥꯗꯦ꯫
- ꯊꯥꯒꯤ ꯅꯨꯃꯤꯠ ꯑꯃꯁꯨꯡ ꯄꯦꯗ ꯅꯨꯃꯤꯠ ꯊꯝꯕꯤꯌꯨ꯫ ꯄꯦꯗ ꯅꯨꯃꯤꯠ ꯍꯥꯌꯕꯁꯤ ꯊꯕꯛ ꯇꯧꯈꯤꯕ ꯅꯨꯃꯤꯠ ꯑꯃꯁꯨꯡ ꯄꯦꯗ ꯂꯤꯕ ꯑꯃꯁꯨꯡ ꯍꯣꯂꯤꯗꯦꯅꯤ꯫ ꯂꯦꯃꯍꯧꯔꯤꯕ ꯑꯗꯨ ꯂꯣꯁ ꯑꯣꯐ ꯄꯦ ꯅꯨꯃꯤꯠ ꯑꯣꯏꯅ ꯄ꯭ꯔꯤꯟꯠ ꯑꯣꯏ꯫
- ꯑꯔꯅꯤꯡ ꯏꯕꯤꯌꯨ꯫ ꯁ꯭ꯂꯤꯞ ꯑꯁꯤ Basic salary, HRA, Conveyance allowance ꯑꯃꯁꯨꯡ Special allowance ꯒ ꯂꯣꯌꯅꯅ ꯍꯧꯏ꯫ ꯊꯥ ꯑꯁꯤꯒꯤ ꯐꯪꯂꯕ ꯁꯦꯜ ꯏꯕꯤꯌꯨ (ꯂꯣꯁ ꯑꯣꯐ ꯄꯦ ꯂꯩꯔꯕꯗꯤ ꯍꯟꯊꯍꯜꯂꯕ), ꯑꯃꯁꯨꯡ ꯑꯣꯚꯔꯇꯥꯏꯝ, ꯕꯣꯅꯁ ꯅꯠꯔꯒꯥ ꯑꯦꯔꯤꯌꯔꯒꯤꯗꯃꯛ ꯂꯥꯏꯟ ꯍꯥꯄꯆꯤꯟꯕꯤꯌꯨ꯫
- ꯗꯤꯗꯛꯁꯟ ꯃꯄꯨꯡ ꯐꯥꯍꯅꯕꯤꯌꯨ꯫ ꯕꯦꯁꯤꯀꯀꯤ 12% (₹25,000 ꯐꯥꯑꯣꯕꯒꯤ ꯕꯦꯁꯤꯀꯇ) PF ꯑꯃꯁꯨꯡ ꯒ꯭ꯔꯣꯁ ꯄꯦ ₹21,000 ꯅꯠꯔꯒꯥ ꯍꯟꯊꯔꯕꯗꯤ 0.75% ESI ꯒꯤꯗꯃꯛ PF, ESI, ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ ꯑꯃꯁꯨꯡ TDS ꯊꯤꯕ ꯅꯝꯕꯤꯌꯨ; ꯃꯁꯤꯅ ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ (ꯈꯅꯈꯤꯕ ꯁ꯭ꯇꯦꯠꯀꯤꯗꯃꯛ) ꯑꯃꯁꯨꯡ TDS ꯒꯤ ꯈꯟꯅꯕꯁꯨ ꯃꯄꯨꯡ ꯐꯥꯍꯜꯂꯤ꯫ ꯃꯈꯣꯌ ꯆꯦꯛ ꯇꯧꯕꯤꯌꯨ, ꯑꯃꯁꯨꯡ ꯑꯦꯗꯚꯥꯟꯁ ꯅꯠꯔꯒꯥ ꯂꯣꯅꯒꯤꯗꯃꯛ ꯂꯥꯏꯟ ꯍꯥꯄꯆꯤꯟꯕꯤꯌꯨ꯫
- ꯁꯦꯚ ꯇꯧꯕꯤꯌꯨ, ꯃꯗꯨꯒꯤ ꯃꯇꯨꯡꯗ ꯄ꯭ꯔꯤꯟꯠ / PDF ꯅꯠꯔꯒꯥ ꯁꯦꯌꯔ꯫ ꯒ꯭ꯔꯣꯁ, ꯃꯄꯨꯡ ꯗꯤꯗꯛꯁꯟ ꯑꯃꯁꯨꯡ ꯋꯥꯍꯩꯅ ꯏꯕ ꯅꯦꯠ ꯄꯦ ꯊꯤꯗꯣꯛꯏ꯫ ꯃꯊꯪꯒꯤ ꯊꯥꯗ, ꯁꯦꯚ ꯇꯧꯔꯕ ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞꯁꯤꯡꯗꯒꯤ ꯁ꯭ꯂꯤꯞ ꯍꯥꯡꯗꯣꯛꯇꯨꯅ ꯃꯊꯪꯒꯤ ꯃꯇꯝꯒꯤꯗꯃꯛ ꯀꯣꯄꯤ ꯅꯝꯕꯤꯌꯨ꯫
ꯃꯁꯤꯅ ꯅꯍꯥꯛꯀꯤꯗꯃꯛ ꯀꯔꯤ ꯇꯧꯕꯤꯕꯒꯦ
- ꯄꯦꯁ꯭ꯂꯤꯞ ꯑꯃꯗ ꯃꯊꯧ ꯇꯥꯕ ꯄꯨꯝꯅꯃꯛ: ꯏꯝꯞꯂꯣꯌꯔ, ꯏꯝꯞꯂꯣꯏꯒꯤ ꯗꯤꯇꯦꯜ, UAN, ESI ꯅꯝꯕꯔ, ꯕꯦꯡꯛ, ꯄꯦꯗ ꯅꯨꯃꯤꯠ, ꯑꯔꯅꯤꯡ, ꯗꯤꯗꯛꯁꯟ ꯑꯃꯁꯨꯡ ꯋꯥꯍꯩꯅ ꯏꯕ ꯅꯦꯠ ꯄꯦ꯫
- ꯀ꯭ꯂꯤꯛ ꯑꯃꯗ PF ꯑꯃꯁꯨꯡ ESI: ꯕꯦꯁꯤꯛ ꯑꯃꯁꯨꯡ ꯒ꯭ꯔꯣꯁ ꯄꯦꯗꯒꯤ ꯊꯤꯗꯣꯛꯏ, ꯑꯃꯁꯨꯡ ꯅꯍꯥꯛꯀꯤ ꯅꯤꯌꯝ ꯇꯣꯉꯥꯟꯂꯕꯗꯤ ꯍꯣꯡꯗꯣꯛꯄ ꯌꯥꯏ꯫
- ꯂꯣꯁ ꯑꯣꯐ ꯄꯦ ꯃꯌꯦꯛ ꯁꯦꯡꯅ ꯎꯠꯄ: ꯊꯥꯒꯤ ꯅꯨꯃꯤꯠ, ꯄꯦꯗ ꯅꯨꯃꯤꯠ ꯑꯃꯁꯨꯡ ꯂꯣꯁ ꯑꯣꯐ ꯄꯦ ꯅꯨꯃꯤꯠ ꯁ꯭ꯂꯤꯄꯇ ꯄ꯭ꯔꯤꯟꯠ ꯑꯣꯏ꯫
- ꯃꯊꯪꯒꯤ ꯊꯥ ꯁꯦꯀꯟ ꯈꯔꯗ: ꯃꯊꯪꯒꯤ ꯃꯇꯝꯒꯤꯗꯃꯛ ꯀꯣꯄꯤꯅ ꯏꯝꯞꯂꯣꯏ ꯑꯃꯁꯨꯡ ꯁꯦꯜ ꯑꯗꯨꯃꯛ ꯌꯥꯎꯅ ꯃꯊꯪꯒꯤ ꯊꯥꯒꯤ ꯁ꯭ꯂꯤꯞ ꯁꯦꯝꯏ꯫
- ꯅꯍꯥꯛꯅ ꯄꯥꯝꯕ ꯃꯑꯣꯡꯗ ꯄ꯭ꯔꯤꯟꯠ: A4 ꯅꯠꯔꯒꯥ A5 ꯆꯦ, ꯏꯝꯞꯂꯣꯌꯔ ꯑꯃꯁꯨꯡ ꯏꯝꯞꯂꯣꯏꯒꯤ ꯁꯥꯏꯅꯒꯤ ꯃꯐꯝ ꯌꯥꯎꯅ꯫
- ꯅꯍꯥꯛꯀꯤ ꯂꯣꯜꯗ: ꯁ꯭ꯛꯔꯤꯟꯗ ꯂꯣꯜ 24; ꯄ꯭ꯔꯤꯟꯠ ꯇꯧꯔꯕ ꯁ꯭ꯂꯤꯞ ꯏꯪꯂꯤꯁꯇꯈꯛ ꯂꯩꯒꯅꯤ, ꯕꯦꯡꯛ ꯑꯃꯁꯨꯡ ꯌꯨꯝ ꯃꯄꯨꯁꯤꯡꯅ ꯄꯥꯕ ꯉꯝꯅꯕ꯫
ꯅꯍꯥꯛꯀꯤ ꯗꯦꯇꯥ ꯅꯍꯥꯛꯀꯥ ꯂꯣꯌꯅꯅ ꯂꯩꯔꯤ
ꯅꯍꯥꯛꯅ ꯏꯔꯀꯄ ꯄꯨꯝꯅꯃꯛ ꯗꯤꯚꯥꯏꯁ ꯑꯁꯤꯒꯤ ꯕ꯭ꯔꯥꯎꯖꯔ ꯑꯁꯤꯗ ꯊꯝꯂꯤ꯫ ꯑꯦꯀꯥꯎꯟꯠ ꯑꯃꯠꯇ ꯂꯩꯇꯦ ꯑꯃꯁꯨꯡ ꯑꯩꯈꯣꯌꯗ ꯀꯔꯤꯁꯨ ꯑꯄꯂꯣꯗ ꯇꯧꯗꯦ꯫ ꯅꯍꯥꯛꯀꯤ ꯕꯤꯖꯅꯦꯁ, ꯀꯁ꯭ꯇꯃꯔ, ꯁꯞꯂꯥꯏꯌꯔ ꯑꯃꯁꯨꯡ ꯑꯥꯏꯇꯦꯝꯁꯤꯡ my.niveshsahayak.in ꯒꯤ ꯈꯨꯠꯊꯥꯡꯗ Nivesh Sahayak ꯒꯤ ꯑꯇꯣꯞꯄ ꯗꯣꯀꯨꯃꯦꯟꯠ ꯇꯨꯜꯁꯤꯡꯒ ꯁꯦꯌꯔ ꯇꯧꯏ, ꯃꯔꯝ ꯑꯗꯨꯅ ꯏꯟꯚꯣꯏꯁ ꯅꯠꯔꯒꯥ ꯀꯣꯇꯦꯁꯟ ꯁꯦꯝꯕꯗ ꯁꯦꯚ ꯇꯧꯈꯤꯕ ꯗꯤꯇꯦꯜꯁꯤꯡ ꯃꯐꯝ ꯑꯁꯤꯗ ꯁꯖꯦꯁꯟ ꯑꯣꯏꯅ ꯂꯩꯔꯦ꯫
ꯒꯥꯏꯗꯁꯤꯡ
ꯃꯤꯁꯤꯡꯅ ꯍꯪꯂꯤꯕ ꯋꯥꯍꯪꯁꯤꯡ
ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞ ꯃꯦꯀꯔ ꯑꯁꯤ ꯐ꯭ꯔꯤ ꯑꯣꯏꯕꯔꯥ?
ꯍꯣꯌ꯫ ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞ ꯁꯦꯝꯕ, ꯁꯦꯚ ꯇꯧꯕ, ꯄ꯭ꯔꯤꯟꯠ ꯇꯧꯕ ꯑꯃꯁꯨꯡ ꯁꯦꯌꯔ ꯇꯧꯕ ꯐ꯭ꯔꯤꯅꯤ, ꯂꯣꯒꯏꯟ ꯃꯊꯧ ꯇꯥꯗꯦ ꯑꯃꯁꯨꯡ ꯂꯤꯃꯤꯠ ꯂꯩꯇꯦ꯫ ꯄꯦꯖꯀꯤ ꯃꯈꯥꯗ ꯂꯥꯏꯟ ꯑꯄꯤꯛ ꯑꯃꯅ ꯃꯁꯤ ꯀꯗꯥꯏꯗ ꯁꯦꯝꯈꯤꯕꯒꯦ ꯍꯥꯌꯕ ꯇꯥꯛꯂꯤ꯫
ꯃꯦꯀꯔ ꯑꯁꯤꯅ TDS ꯑꯃꯁꯨꯡ ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ ꯊꯤꯕ ꯉꯃꯒꯗ꯭ꯔꯥ?
ꯉꯝꯃꯤ, ꯑꯍꯥꯅꯕ ꯑꯣꯏꯕ ꯈꯟꯅꯕ ꯑꯃꯥ ꯑꯣꯏꯅ꯫ ꯏꯝꯞꯂꯣꯏꯒꯤ ꯏꯅꯀꯝ ꯇꯦꯛꯁ ꯔꯤꯖꯤꯝ ꯑꯃꯁꯨꯡ ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁꯀꯤ ꯁ꯭ꯇꯦꯠ ꯈꯅꯕꯤꯌꯨ, ꯃꯗꯨꯒꯤ ꯃꯇꯨꯡꯗ PF, ESI, ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ ꯑꯃꯁꯨꯡ TDS ꯊꯤꯕ ꯅꯝꯕꯤꯌꯨ꯫ TDS ꯑꯁꯤ ꯊꯥ ꯑꯁꯤꯒꯤ ꯒ꯭ꯔꯣꯁ × 12 ꯗꯒꯤ ꯊꯤꯕꯅꯤ, FY 2026-27 ꯒꯤ ꯁ꯭ꯂꯥꯕ, ꯁ꯭ꯇꯦꯟꯗꯔꯗ ꯗꯤꯗꯛꯁꯟ (ꯑꯅꯧꯕ ꯔꯤꯖꯤꯃꯗ ₹75,000, ꯑꯔꯤꯕꯗ ₹50,000) ꯑꯃꯁꯨꯡ 4% ꯁꯦꯁ ꯂꯧꯗꯨꯅ; ꯑꯔꯤꯕ ꯔꯤꯖꯤꯃꯗ PF (₹1.5 ꯂꯥꯛ ꯐꯥꯑꯣꯕ) ꯑꯃꯁꯨꯡ ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁꯁꯨ ꯂꯧꯏ꯫ ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ ꯑꯁꯤ ꯃꯍꯥꯔꯥꯁ꯭ꯠꯔ, ꯀꯔꯅꯥꯇꯀ, ꯋꯦꯁ꯭ꯠ ꯕꯦꯉ꯭ꯒꯜ, ꯒꯨꯖꯔꯥꯠ, ꯇꯦꯂꯉ꯭ꯒꯥꯅꯥ, ꯑꯥꯟꯙ꯭ꯔ ꯞꯔꯗꯦꯁ ꯑꯃꯁꯨꯡ ꯑꯥꯁꯥꯃꯒꯤꯗꯃꯛ ꯃꯁꯥꯃꯛꯅ ꯃꯦꯟꯁꯤꯜꯂꯛꯀꯅꯤ, ꯑꯃꯁꯨꯡ ꯃꯁꯤ ꯂꯧꯗꯕ ꯁ꯭ꯇꯦꯠꯁꯤꯡꯗ 0 ꯑꯣꯏꯒꯅꯤ (ꯑꯣꯗꯤꯁꯥꯅ ꯑꯦꯞꯔꯤꯜ 2026 ꯗꯒꯤ ꯃꯁꯤ ꯂꯧꯊꯣꯛꯂꯦ); ꯑꯇꯣꯞꯄ ꯁ꯭ꯇꯦꯠꯀꯤꯗꯃꯛ ꯅꯍꯥꯛ ꯃꯁꯥꯅ ꯏꯕꯤꯌꯨ꯫ ꯃꯇꯝ ꯄꯨꯝꯅꯃꯛꯇ ꯏꯝꯞꯂꯣꯏꯒꯤ ꯗꯤꯛꯂꯦꯌꯔꯦꯁꯟ ꯑꯃꯁꯨꯡ ꯅꯍꯥꯛꯀꯤ ꯑꯦꯀꯥꯎꯟꯇꯦꯟꯇꯒ ꯆꯥꯡꯗꯝꯅꯕꯤꯌꯨ꯫
PF ꯀꯔꯝꯅ ꯊꯤꯗꯣꯀꯄꯒꯦ?
ꯏꯝꯞꯂꯣꯏꯒꯤ PF ꯑꯁꯤ ꯕꯦꯁꯤꯛ + DA ꯒꯤ 12% ꯅꯤ꯫ ꯏꯝꯞꯂꯣꯌꯔꯁꯤꯡꯅ ꯕꯦꯁꯤꯛ + DA ꯒꯤ ₹25,000 ꯒꯤ ꯋꯦꯖ ꯁꯤꯂꯤꯡꯗ ꯂꯤꯃꯤꯠ ꯇꯧꯕ ꯌꯥꯏ (17 September 2026 ꯗ ₹15,000 ꯗꯒꯤ ꯍꯦꯅꯒꯠꯂꯕ), ꯃꯔꯝ ꯑꯗꯨꯅ ꯃꯗꯨꯒꯤ ꯃꯇꯨꯡꯗ ꯊꯥ ꯑꯃꯗ ꯈ꯭ꯕꯥꯏꯗꯒꯤ ꯍꯦꯟꯅ ₹3,000 ꯀꯠꯏ꯫ PF, ESI, ꯞꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ ꯑꯃꯁꯨꯡ TDS ꯊꯤꯕ ꯕꯇꯟꯅ ꯃꯁꯤ ꯁꯤꯖꯤꯟꯅꯩ; ꯅꯍꯥꯛꯅ ꯃꯄꯨꯡ ꯕꯦꯁꯤꯀꯇ ꯄꯤꯔꯕꯗꯤ ꯍꯣꯡꯗꯣꯛꯄꯤꯌꯨ꯫
ESI ꯀꯗꯥꯌꯗ ꯀꯠꯄꯒꯦ?
ꯏꯝꯞꯂꯣꯏꯒꯤ ꯒ꯭ꯔꯣꯁ ꯄꯦ ꯊꯥ ꯑꯃꯗ ₹21,000 ꯅꯠꯔꯒꯥ ꯃꯁꯤꯗꯒꯤ ꯍꯟꯊꯔꯕꯗꯤ ꯑꯃꯁꯨꯡ ꯅꯍꯥꯛꯀꯤ ꯕꯤꯖꯅꯦꯁ ESI ꯗ ꯆꯪꯂꯕꯗꯤ꯫ ꯏꯝꯞꯂꯣꯏꯅ 0.75% ꯑꯃꯁꯨꯡ ꯏꯝꯞꯂꯣꯌꯔꯅ 3.25% ꯄꯤꯏ꯫
ꯄ꯭ꯔꯣꯐꯦꯁꯅꯦꯜ ꯇꯦꯛꯁ ꯀꯌꯥꯅꯣ?
ꯃꯁꯤ ꯅꯍꯥꯛꯀꯤ ꯁ꯭ꯇꯦꯇꯇ ꯃꯈꯥ ꯄꯣꯟꯏ, ꯑꯃꯁꯨꯡ ꯆꯍꯤ ꯑꯃꯗ ₹2,500 ꯗꯒꯤ ꯀꯩꯗꯧꯉꯩꯗꯁꯨ ꯍꯦꯟꯕ ꯌꯥꯗꯦ꯫ Delhi, Haryana ꯑꯃꯁꯨꯡ Uttar Pradesh ꯒꯨꯝꯕ ꯁ꯭ꯇꯦꯠ ꯈꯔꯅ ꯃꯁꯤ ꯂꯧꯗꯦ꯫ ꯅꯍꯥꯛꯀꯤ ꯁ꯭ꯇꯦꯇꯀꯤ ꯍꯧꯖꯤꯛꯀꯤ ꯁ꯭ꯂꯦꯕ ꯆꯦꯛ ꯇꯧꯕꯤꯌꯨ꯫
ꯃꯦꯀꯔꯅ ꯂꯣꯁ ꯑꯣꯐ ꯄꯦ ꯅꯨꯃꯤꯠꯀꯤꯗꯃꯛ ꯁꯦꯂꯔꯤ ꯍꯟꯊꯍꯜꯂꯤꯕꯔꯥ?
ꯃꯁꯤꯅ ꯊꯥꯒꯤ ꯅꯨꯃꯤꯠ, ꯄꯦꯗ ꯅꯨꯃꯤꯠ ꯑꯃꯁꯨꯡ ꯂꯣꯁ ꯑꯣꯐ ꯄꯦ ꯅꯨꯃꯤꯠ ꯄ꯭ꯔꯤꯟꯠ ꯇꯧꯏ꯫ ꯂꯥꯏꯟ ꯈꯨꯗꯤꯡꯒꯤ ꯐꯪꯂꯕ ꯁꯦꯜ ꯅꯍꯥꯛꯅ ꯏꯏ, ꯃꯔꯝ ꯑꯗꯨꯅ ꯂꯤꯕ ꯀꯔꯝꯅ ꯊꯤꯒꯗꯒꯦ ꯅꯍꯥꯛꯅ ꯈꯅꯏ꯫ ꯅꯦꯠ ꯄꯦꯒꯤ ꯊꯤꯗꯣꯀꯄ ꯌꯦꯡꯕꯤꯌꯨ꯫
ꯃꯊꯪꯒꯤ ꯊꯥꯒꯤ ꯁ꯭ꯂꯤꯞꯁꯤꯡ ꯊꯨꯅꯅ ꯁꯦꯝꯕ ꯌꯥꯕꯔꯥ?
ꯌꯥꯏ꯫ ꯁꯦꯚ ꯇꯧꯔꯕ ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞꯁꯤꯡ ꯗꯒꯤ ꯁ꯭ꯂꯤꯞ ꯑꯃ ꯍꯥꯡꯗꯣꯛꯇꯨꯅ ꯃꯊꯪꯒꯤ ꯃꯇꯝꯒꯤꯗꯃꯛ ꯀꯣꯄꯤ ꯅꯝꯕꯤꯌꯨ꯫ ꯏꯝꯞꯂꯣꯏ ꯑꯃꯁꯨꯡ ꯂꯥꯏꯅꯁꯤꯡ ꯑꯗꯨꯃꯛ ꯌꯥꯎꯅ ꯃꯊꯪꯒꯤ ꯊꯥꯒꯤ ꯁ꯭ꯂꯤꯞ ꯍꯥꯡꯗꯣꯛꯀꯅꯤ; ꯄꯦꯗ ꯅꯨꯃꯤꯠ ꯑꯃꯁꯨꯡ ꯁꯦꯜ ꯀꯔꯤꯒꯨꯝꯕ ꯑꯃ ꯍꯣꯡꯗꯣꯛꯇꯨꯅ ꯁꯦꯚ ꯇꯧꯕꯤꯌꯨ꯫
ꯀꯦꯁꯇ ꯁꯦꯂꯔꯤ ꯄꯤꯔꯕꯗꯤ ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞ ꯃꯊꯧ ꯇꯥꯕꯔꯥ?
ꯍꯣꯌ, ꯃꯁꯤ ꯑꯐꯕ ꯃꯑꯣꯡꯅꯤ ꯑꯃꯁꯨꯡ ꯂꯦꯕꯔ ꯑꯥꯏꯅꯅ ꯏꯝꯞꯂꯣꯌꯔꯁꯤꯡꯗ ꯋꯦꯖ ꯁ꯭ꯂꯤꯞ ꯄꯤꯅꯕ ꯍꯥꯏ꯫ ꯏꯝꯞꯂꯣꯏꯅ ꯁꯥꯏꯟ ꯇꯧꯔꯕ ꯁ꯭ꯂꯤꯞ ꯑꯃ ꯃꯅꯥ ꯄꯤꯈꯤ ꯍꯥꯌꯕꯒꯤ ꯅꯍꯥꯛꯀꯤ ꯈꯨꯗꯃꯁꯨ ꯑꯣꯏ꯫
ꯁꯦꯂꯔꯤ ꯁ꯭ꯂꯤꯞꯁꯤꯡ WhatsApp ꯇ ꯀꯔꯝꯅ ꯊꯥꯒꯗꯒꯦ?
ꯁꯦꯌꯔ ꯅꯝꯕꯤꯌꯨ꯫ ꯐꯣꯅꯗ PDF ꯌꯥꯎꯅ ꯁꯦꯌꯔ ꯁꯤꯠ ꯍꯥꯡꯗꯣꯛꯀꯅꯤ; WhatsApp ꯑꯃꯁꯨꯡ ꯏꯝꯞꯂꯣꯏ ꯑꯗꯨ ꯈꯅꯕꯤꯌꯨ꯫ ꯀꯝꯞꯌꯨꯇꯔꯗ PDF ꯗꯥꯎꯅꯂꯣꯗ ꯑꯣꯏꯒꯅꯤ, ꯃꯔꯝ ꯑꯗꯨꯅ ꯑꯦꯇꯦꯆ ꯇꯧꯕ ꯌꯥꯏ꯫