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Early Closure of Offices in connection with Republic Day Parade, At Home Function & Beating the Retreat Ceremony during January, 2026

Early Closure of Offices in connection with Republic Day Parade, At Home Function & Beating the Retreat Ceremony during January, 2026

No.16/3/2023-JCA
Government of India
Ministry of Personnel, Public Grievances and Pensions
(Department of Personnel and Training)
Pers. Policy (JCA) Section

Lok Nayak Bhayan, New Delhi
Dated 12th January, 2026

OFFICE MEMORANDUM

Subject: Early Closure of Offices in connection with Republic Day Parade, At Home Function & Beating the Retreat Ceremony during January, 2026- regarding.

In connection with arrangements for the Republic Day Parade, At Home Function & Beating the Retreat Ceremony, 2026, the following has been decided:

i. For Full Dress Rehearsal on 23.01.2026, the Government offices located in the buildings indicated atAnnexure-A, shall be closed by 1400 hours on 22.01.2026 and remain closed till 1400 hours on 23.01.2026.

ii. For Republic Day Celebration on 26.01.2026, the Government offices located in the buildings indicated in Annexure-A, shall be closed at 14 00 hours on 25.01.2026 and remain closed till 1400 hours on 26.01.2026.

iii. For ‘At Home Function’ on 26.01.2026, the Government offices located in the buildings indicated at Annexure-B, shall be closed at 1400 hours on 25.01.2026 and remain closed till 2000 hours on 26.01.2026.

iv. For ‘Special Show’ at Vijay Chowk on 28.1.2026, the Government offices located in the buildings indicated at Annexure-C, shall be closed at 15 00 hours on 28.01.2026 and remain closed till 2000 hours on 28.01.2026.

v. For ‘Beating the Retreat Ceremony’ on 29.01.2026, the Government offices located in the buildings indicated at Annexure-D, shall be closed at 1200 hours on 29.01.2026 and remain closed till 2000 hours on 29.01.2026.

2. The above arrangements may please be brought to th- notice of all concerned.

3. Hindi version will follow.

Encl.: As above

(Amit Pankaj)
Deputy Secretary to the Governmnet of India

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DFS launches Composite Salary Account Package for Central Government Employees

Department of Financial Services launches Composite Salary Account Package for Central Government Employees in association with Public Sector Banks

Unified salary account framework provides a one-stop financial solution with integrated banking and insurance benefits for Central Government employees

The Department of Financial Services (DFS), Ministry of Finance, has taken a significant step towards enhancing the financial well-being and social security of Central Government employees by advising Public Sector Banks to introduce a composite โ€˜Salary Account Package for Central Government Employeesโ€™.

The Salary Account Package has been formally launched today, by Sh. M. Nagaraju, Secretary, Department of Financial Services, Ministry of Finance. The launch event was attended by Chairman SBI, MD & CEOs of all Nationalized Banks, CEO, NPCI through VC and all senior officers of DFS. This initiative is aligned with the Governmentโ€™s vision of Viksit Bharat 2047 and the national commitment towards Insurance for All by 2047. It seeks to provide Central Government employees with a comprehensive suite of banking and insurance benefits under a single, seamless account structure. The packages have been carefully designed in consultations with banks to ensure maximum coverage, uniformity and convenience for employees across all cadres [Group A, B and C].

The product has three core segments โ€“ Banking, Insurance and Cards โ€“ making it a one-stop financial solution for employees. The key features of the Composite Salary Account Package are:

  1. Banking Facilities
    • Zero-balance salary account with enhanced facilitates
    • Free remittances i.e. RTGS/ NEFT/ UPI along with cheque facilities
    • Concessional interest rate on loan for housing, education, vehicle and personal requirements.
    • Concession in loan processing charges
    • Waivers on locker rental
    • Family banking benefits
  2. Enhanced Insurance Coverage
    • Personal Accident Insurance up to Rs. 1.50 crore
    • Air Accident Insurance up to Rs. 2 crores
    • Permanent Total & Partial Disability Cover up to Rs. 1.50 crore
    • Term Life Insurance โ€“ In-built term life insurance protection of up to Rs. 20 lakh, with additional top-up facility to enhance the insurance coverage at an affordable premium.
    • Health Insurance โ€“ Comprehensive health insurance cover for self and family with a base plan and additional top-up facility to enhance the insurance coverage at an affordable premium.
  3. Digital & Card Features
    • Enhanced benefits on debit and credit cards
    • Airport lounge access, reward programs and cashback offer
    • Unlimited transactions & Nil maintenance charges

Complete details of the Composite Salary Account Package are available on the DFS website https://financialservices.gov.in

This initiative ensures that Central Government employees, who form the backbone of public administration, gain access to modern banking services and comprehensive financial protection through a single window solution. By integrating insurance, medical cover and enhanced banking facilities into one composite Salary Account Package, the scheme provides employees with ease of access, financial security and peace of mind.

This reform reflects the Governmentโ€™s continued commitment to employeeโ€™s welfare and financial security, while also strengthening the employeeโ€“bank relationship.

DFS has advised Public Sector Banks to widely publicize these products through their official websites, organize special awareness camps in Government Departments, proactively reach out to Central Government employees with detailed product information and facilitate the migration of existing salary accounts to this new package with employeesโ€™ consent.

All Central Government employees are encouraged to avail the benefits of this comprehensive scheme through their salary accounts with the Public Sector Banks.

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Small Savings Schemes interest rate from Jan 2026 to March 2026

Small Savings Schemes interest rate from Jan 2026 to March 2026

SB Order No. 17/2025

F. No 113-03/2024
Government of India
Ministry of Communications
Department of Posts
(Financial Services Division)

Dak Bhawan, New Delhi โ€” 110001
Dated: 31.12.2025

To

All Head of Circles/Regions

Subject: Revision of interest rates for Small Savings Schemes w.e.f. 01.01.2026

Madam / Sir,

The undersigned is directed to intimate that. vide memorandum No. 1/4/2019-NS dated 31.12.2025 (copy enclosed), Government of India, Ministry of Finance, Department of Economic Affairs (Budget Division) has informed that the rates of interest on various Small Savings Schemes (National Savings Schemes) for the fourth quarter of financial year 2025-26 (starting from 1st January, 2026 and ending on 31st March, 2026) shall remain unchanged from those notified for the third quarter (1st October, 2025 to 31st December, 2025) of FY 2025-26.

2. It is requested to circulate it to all concerned for information and necessary guidance. This may also be placed on the notice board of all Post Offices in public area.

3. This issues with the approval of the Competent Authority.

(Devender Kumar Sharma)
Assistant Director (SB-II)

Copy to: โ€“

  1. Sr. PPS to Secretary (Posts)
  2. Sr. PPS/PPS to Director General Postal Services
  3. PPS/ PS to Member (Financial Services)/Member (O)/Member (P)/ Member (HRD)/ Member (Tech)/ Member (Service Quality and Marketing), Member (Infrastructure), AS & FA
  4. Addl. Director General, APS, New Delhi
  5. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate.
  6. CGM. CEPT for kind information and necessary action
  7. Sr. Deputy Director General (Vig) & CVO) /Sr. Deputy Director General (PAF)
  8. Director, RAKNPA / Directors of all PTโ€™Cs
  9. Director General P & T (Audit), Civil Lines, New Delhi
  10. Secretary, Postal Services Board / All Deputy Directors General
  11. All General Managers (Finance) / Directors Postal Accounts / DDAP
  12. The Joint Director & HOD. National Savings Institute, ICCW Building, 4 Deendayal Upadhyay Marg, New Delhi-110002
  13. The Under Secretary, MOF (DEA), NS-II Section, North Block, New Delhi.
  14. All recognized Federations / Unions / Associations
  15. Guard File/e-File

(Devender Sharma)
Assistant Director (SB-II)

InstrumentRates of interest
Savings Deposit4
1 Year Time Deposit6.9
2 Year Time Deposit7
3 Year Time Deposit7.1
4 Year Time Deposit7.5
5 Year Recurring Deposit6.7
Senior Citizen Savings Scheme8.2
Monthly Income Account Scheme7.4
National Savings Certificate7.7
Public Provident Fund Scheme7.1
Kisan Vikas Patra7.5 (will mature in 115 months)
Sukanya Samriddhi Account Scheme8.2

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Accumulation of paid leave without encashment facilities for Gramin Dak Sevaks

Accumulation of paid leave without encashment facilities for Gramin Dak Sevaks

เคธเค‚/No. 17-12/2025-GDS
เคญเคพเคฐเคค เคธเคฐเค•เคพเคฐ/Government of India
เคธเค‚เคšเคพเคฐ เคฎเค‚เค‚เคคเฅเคฐเคพเคฒเคฏ /Ministry of Communications
เคกเคพเค• เคตเคฟเคญเคพเค—/Department of Posts
(เคœเฅ€เคกเฅ€เคเคธ เค…เคจเฅเคญเคพเค—/GDS Section)

เคกเคพเค• เคญเคตเคจ, เคธเค‚เคธเคฆ เคฎเคพเคฐเฅเค—,
Dak Bhawan, Sansad Marg,
เคจเคˆ เคฆเคฟเคฒเฅโ€เคฒเฅ€/New Delhi โ€“ 110 001
เคฆเคฟเคจเคพเค‚เค•/Date : 30-12-2025

OFFICE MEMORANDUM

Subject : Accumulation of paid leave without encashment facilities for Gramin Dak Sevaks (GDS) โ€“ reg.

A proposal for allowing accumulation of paid leave without encashment facilities was under consideration of the Department for quite some time. The Department had also sought suggestions/feed back of the Circles/stakeholders on the proposal.

2. After examination of the proposal and feed back of all the stakeholders, Rule-7, regarding paid Leave of the GDS, ofGDS (Conduct and Engagement) Rules, 2020, has been amended as under:

7. Leave

The Gramin Dak Sevaks may be granted paid leave at the rate of 20 days in a year (10 days for every half year). Paid leave for 10 days will be credited to his account at the beginning of half year, starting 1st January or 1st July;

A GDS will be allowed to carry forward unavailed paid leave to the maximum extent of 45 days at any given time;

Paid leave shall be credited to the leave account of GDS at the rate of 1.67 days for each completed calendar month of engagement which a GDS is likely to render in a half-year of the calendar year of engagement/discharge/cessation of engagement;

While affording credit of paid leave, fractions of a day shall be rounded off to the nearest day. A fraction of 0.5 or above will be taken as one day of leave, while fraction of less than 0.5 will be ignored and

Provided that โ€“

a. Where a Sevak fails to resume duty on the expiry of the maximum period leave admissible and granted to him/her, or

b. Where such a Sevak who is granted leave for a period less than the maximum period admissible to a Sevak under these rules, remains absent from duty for any period which together with the leave granted exceeds the limit upto which a GDS shall, unless the Government, in view of the exception circumstances of the case, otherwise decides, be removed from engagement after following the procedure laid down in Rule 10.

3. The above change in the said Rule-7 of GDS (Conduct and Engagement) Rules, 2020, will effective from 01.01.2026.

4. Based on the feed back sought of the stakeholders, an FAQs is also provided in Annexure-I to this OM for the guidance of all concerned.

5. Hindi Version of this O.M will follow.

(Ravi Pahwa)
Director (GDS)

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NPS Vatsalya Scheme Guidelines 2025: PFRDA Circular

NPS Vatsalya Scheme Guidelines 2025: PFRDA Circular

PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY

Circular

Circular No. PFRDA/2026/02/NPS-Vatsalya/01

07th January, 2026

To,
All Stakeholders under NPS

Subject: NPS Vatsalya Scheme Guidelines 2025

“NPS Vatsalya” Scheme was launched by the Hon’ble Finance Minister in the Union Budget of FY 2024-25 as a plan for contribution by parents and guardians for minors, marking a significant advancement in financial planning and setting a new standard for prudent financial management from a young age. Aligned with the goal of โ€˜Vikasit Bharat 2047โ€™, NPS Vatsalya aims not only to secure the future of its young subscribers but also to underscore the importance of nurturing a culture of savings from an early age.

2. In pursuance of the announcement, PFRDA issued NPS Vatsalya Scheme Details vide circular no. PFRDA/2024/16/PDES/01 dated 18th September, 2024

3. NPS Vatsalya Scheme is defined as a Specific Purpose Scheme as per Regulation 4A of PFRDA (Exit and Withdrawals under NPS) Regulations, 2015, which shall be governed by the guidelines issued by the Authority in respect of such scheme.

Also read NPS Vatsalya: A Groundbreaking Pension Scheme for Minors

4. Therefore, PFRDA, in supersession of circular no. PFRDA/2024/16/PDES/01 dated 18th September, 2024, hereby issues โ€œNPS Vatsalya Scheme Guidelines 2025โ€. The Guidelines shall come into effect from the date notified by the Authority after building the necessary system capabilities.

5. This circular is being issued in exercise of the powers conferred under Section 14 of the Pension Fund Regulatory and Development Authority Act, 2013.

Yours sincerely,
Kavita Singam Xavier
General Manager

Objectives of NPS Vatsalya Scheme

NPS Vatsalya scheme is designed specifically for minors to nurture the culture of saving from an early age, introduce minors to financial literacy and financial planning, strengthen the concept of long-term financial security and prudent financial management.

NPS Vatsalya objective is to secure the future of its young subscribers by creating wealth from an early age so as to empower the young subscribers, to create a pensioned society, emanating from the vision of “Viksit Bharat@2047” while at the same time providing for partial withdrawals to meet contingency requirements till the attainment of age of 18 years.

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OTP based authentication for paperless opening of National Pension System accounts: PFRDA

OTP based authentication for paperless opening of National Pension System accounts: PFRDA

PENSION FUND REGULATORY AND DEVELOPMENT AUTHORITY

Circular

Circular No: PFRDA/2026/01/SUP-CRA/01

Date: 2nd Jan 2026

To

All Central Recordkeeping Agencies, Points of Presence and Other NPS Stakeholders

Subject: OTP based authentication for paperless on-boarding-reg

In order to facilitate paperless opening of National Pension System (NPS) accounts, the Authority had issued Circular No. PFRDA/2020/23/SUP-CRA/10 dated 15th June 2020, permitting submission of NPS account opening applications through e-Signature or One Time Password (OTP).

2. In partial modification of Circular No PFRDA/2020/23/SUP-CRA/10 dated 15th June 2020, it has been decided that

Applicants shall authenticate the submission of online NPS registration form through e-sign or through an OTP received on their mobile number. The consent and mandatory declarations applicable for opening of NPS account shall be specifically obtained from the applicant at the end of such online journey through the said e-Sign or mobile OTP authentication.

3. Central Recordkeeping Agencies (CRAs) and Points of Presence (POPs) are advised to align their systems and subscriber onboarding journeys in accordance with the above.

4. This Circular is issued in exercise of powers conferred under sub-section (1) of Section 14 read with clause (e) of sub-section (2) of Section 14 of the Pension Fund Regulatory and Development Authority Act, 2013.

Yours sincerely,

Ashish Kumar Bharati
Chief General Manage

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Return of PPOs and Pension Papers Post-Demise of Pensioner: CPAO Guidelines

Return of PPOs and Pension Papers Post-Demise of Pensioner: CPAO Guidelines

GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF EXPENDITURE
CENTRAL PENSION ACCOUNTING OFFICE
TRIKOOT-II, BHIKAJI CAMA PLACE
NEW DELHI-110066

CPAO/IT&Tech/BankPerformance/37Vol-IV/2025-26/e-6476/93

Dated: 24.12.2025

Office Memorandum

Subject: Guidelines regarding return of Pension Payment Order (PPOs) along with all the relevant pension papers by CPPCs to CPAO after the demise of Pensioner /Family Pensioner โ€” regarding

Attention is invited to the para 23 of guidelines/instructions of the Scheme Booklet under the Heading โ€œScheme for Payment of Pension to Central Government Civil Pensioners by the Authorized Banksโ€ issued by CPAO to be followed by the Centralized Pension Processing Centre (CPPC) of authorized banks regarding return of PPOs of the Central Civil Pensioners/Family Pensioners, whereinit has clearly been mentioned that the CPPC of authorized banks will return the disburserโ€™s portion of PPOs of the Central Civil Pensioners/Family Pensioners along with the death certificate and other relevant documents (SSA issued by the CPAO time to time) to CPAO. All PPOs requiring return to PAOs along with death certificate and other relevant documents after the demise of pensioners/family pensioners, must be routed through CPAO only.Central Government Jobs

2. However, it has been observed that some CPPCs/ Banks are returning the Pension Payment Orders (PPOs) directly to the concerned PAOs/ Departments after the demise of pensioners/family pensioners, which is in contravention to the prescribed procedure laid down for dealing with PPOs in such cases.

3. Hence, all authorized CPPCs and Bank branches handling Central (Civil) Pension disbursement are directed to comply with the above instructions without fail; and any deviation from the above instructions shall be viewed seriously and suitable action shall be initiated.

This issues with the approval of the Chief Controller (Pensions).

Sd/-
(Ajay Chaudhary)
Sr. Accounts Officer (IT & Tech)

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OPS vs NPS vs TAPS: Comparison of Pension Schemes: Key Highlights of TAPS (Tamil Nadu)

OPS vs NPS vs TAPS: Comparison of Pension Schemes: Key Highlights of TAPS (Tamil Nadu)

On January 3, 2026, the Tamil Nadu government officially announced the Tamil Nadu Assured Pension Scheme (TAPS). This scheme is a hybrid model designed to satisfy the long-standing demand for the restoration of the Old Pension Scheme (OPS) while maintaining the contributory framework of the National Pension System (NPS).

Below is the comparison between the newly launched TAPS, the NPS, and the OPS

FeatureOld Pension Scheme (OPS)National Pension Scheme (NPS)TN Assured Pension Scheme (TAPS)
Basic NatureDefined Benefit (Guaranteed)Defined Contribution (Market-linked)Assured Benefit (Hybrid)
Employee ContributionNil10% of Basic + DA10% of Basic + DA
Govt ContributionFully funded by State14% of Basic + DAFull additional funding required to meet the 50% assurance
Pension Amount50% of last drawn payDepends on market returns50% of last drawn basic pay
Inflation ProtectionDA hikes twice a yearNone (depends on annuity)DA hikes twice a year (matching active employees)
Family Pension60% of pension to spouseBased on corpus/annuity60% of pension to spouse
GratuityUp to โ‚น20 LakhNo fixed gratuityUp to โ‚น25 Lakh
Minimum PensionFixed by Pay CommissionNo guaranteed minimumGuaranteed minimum pension (even for short service)
Risk LevelRisk-freeMarket-linked riskRisk-free for employee

Also read: เฎคเฎฎเฎฟเฎดเฏเฎจเฎพเฎŸเฏ เฎ‰เฎฑเฏเฎคเฎฟเฎฏเฎณเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎฎเฏ (TAPS): เฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฉเฏ เฎšเฎฟเฎฑเฎชเฏเฎชเฎฎเฏเฎšเฎ™เฏเฎ•เฎณเฏ

Key Highlights of TAPS (Tamil Nadu)

The TAPS is specifically tailored for State Government employees and teachers who joined after April 1, 2003.

  • Last Drawn Pay Advantage: Unlike the Central Government’s Unified Pension Scheme (UPS)โ€”which calculates pension based on the average of the last 12 monthsโ€”the Tamil Nadu TAPS calculates it based on the last month’s basic pay, mirroring the original OPS benefit.
  • Special Compassionate Pension: Employees who joined under the Contributory Pension Scheme (CPS) but retired before the implementation of TAPS will be eligible for a “special compassionate pension.”
  • Lump Sum Gratuity: The retirement and death gratuity has been enhanced to a maximum of โ‚น25 Lakh.
  • Fiscal Commitment: The Tamil Nadu government has committed an initial โ‚น13,000 crore to the fund, with an annual recurring contribution of approximately โ‚น11,000 crore to bridge the gap between employee contributions and the 50% guarantee.

Summary: Which is better?

  • TAPS effectively acts as “OPS via the back door.” It provides the same security as the Old Pension Scheme (50% guarantee + DA) but requires the employee to continue the 10% contribution they were already making under the CPS/NPS.
  • For Employees: It removes the market uncertainty of NPS while ensuring their pension grows with inflation (DA), which was the biggest drawback of the new system.

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Central Govt Employees Likely To Get 2% DA Hike from Jan 2026 ahead of 8th CPC

Central Govt Employees Likely To Get 2% DA Hike from Jan 2026 ahead of 8th CPC

The latest data from the Labour Bureau regarding the All-India Consumer Price Index for Industrial Workers (AICPI-IW) for November 2025 has cleared the path for the upcoming Dearness Allowance (DA) revision. As of January 2026, central government employees and pensioners are looking at a confirmed increase, with the 12-month average pointing toward a 2% hike

1. AICPIN Data for November 2025: The Numbers

On December 31, 2025, the Ministry of Labour & Employment released the AICPI-IW for November 2025. The index saw a steady climb, which is the primary driver for the DA calculation.

  • October 2025 Index: 147.7
  • November 2025 Index: 148.2 (+0.5 points)
  • Current DA Rate: 58% (Effective since July 2025)

This 0.5-point jump in November is significant. It brings the 12-month average of the consumer price index to a level that mathematically secures a minimum of 60% total DA.


Also Check

DA from January 2026 Calculator

DA Calculation Sheet


2. Why is a 2% Hike “Almost Confirmed”?

The formula for DA is based on a 12-month average of the AICPI-IW. A crucial aspect of this government policy is that fractions of a percent are ignored. Unlike standard mathematics where 0.5 and above is rounded up, the DA calculation only recognizes the whole number.

  • Scenario A: If the average results in 60.12%, the DA is 60%.
  • Scenario B: Even if the average reaches 60.94%, the DA is still 60%.

Why a 3% Hike is Mathematically Unlikely

To achieve a 3% hike (reaching 61%), the 12-month average would need to cross the 61.00 threshold exactly. Based on the November 2025 index of 148.2:

  1. The cumulative index points for the last 11 months are already locked in.
  2. If the December 2025 index stays at 148.2, the final calculation sits at approximately 59.94%.
  3. Because the government ignores everything after the decimal, this 59.94% is treated as 59% in the interim, but since we are currently at 58%, it confirms a 2% increase to reach the 60% mark.
  4. To hit 61%, the December index would need to jump by more than 10 points in a single monthโ€”a move that has never occurred in the history of the index.

Confirmed Status for Jan 2026

With the November 2025 figures now public, the 2% hike is essentially “locked.” Even a minor dip in the December inflation data would not be enough to drag the average below the 60.00% threshold, nor is any realistic jump enough to push it to 61%.

3. Impact on Salaries and Pensions

This revision will benefit over 1 crore central government employees and pensioners.14 Here is a quick look at how a 2% hike (moving from 58% to 60%) affects monthly payouts:

ComponentCurrent (58% DA)New (60% DA)Monthly Increase
Basic Pay: โ‚น18,000โ‚น10,440โ‚น10,800+โ‚น360
Basic Pay: โ‚น30,000โ‚น17,400โ‚น18,000+โ‚น600
Basic Pay: โ‚น50,000โ‚น29,000โ‚น30,000+โ‚น1,000

4. The 8th Pay Commission Connection

The January 2026 DA revision is uniquely important because January 1, 2026, marks the theoretical start date for the 8th Central Pay Commission (CPC) cycle.

Traditionally, when a new Pay Commission is implemented:

  • The existing DA (which will be 60%) is merged into the Basic Pay.
  • The DA is reset to 0% for the new pay scale.
  • While the 8th CPC implementation is still in its early stages, this 60% figure serves as the final “inflation buffer” that will determine the Fitment Factor (the multiplier used to jump from 7th CPC to 8th CPC salaries).

Conclusion & Timeline

While the data confirms a 2% hike is the most realistic outcome, the official announcement from the Union Cabinet is expected in March 2026. Once announced, the hike will be applied retrospectively from January 1, 2026, and employees will receive arrears for the preceding months.

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เฎคเฎฎเฎฟเฎดเฏเฎจเฎพเฎŸเฏ เฎ‰เฎฑเฏเฎคเฎฟเฎฏเฎณเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎฎเฏ (TAPS): เฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฉเฏ เฎšเฎฟเฎฑเฎชเฏเฎชเฎฎเฏเฎšเฎ™เฏเฎ•เฎณเฏ

เฎคเฎฎเฎฟเฎดเฏเฎจเฎพเฎŸเฏ เฎ‰เฎฑเฏเฎคเฎฟเฎฏเฎณเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎฎเฏ (TAPS)

เฎ…เฎฐเฎšเฏ เฎ…เฎฒเฏเฎตเฎฒเฎฐเฏเฎ•เฎณเฏ เฎฎเฎฑเฏเฎฑเฏเฎฎเฏ เฎ†เฎšเฎฟเฎฐเฎฟเฎฏเฎฐเฏเฎ•เฎณเฎฟเฎฉเฏ เฎ‡เฎฐเฏเฎชเฎคเฎพเฎฃเฏเฎŸเฏเฎ•เฎพเฎฒเฎ•เฏ เฎ•เฏ‹เฎฐเฎฟเฎ•เฏเฎ•เฏˆเฎฏเฎฟเฎฉเฏˆ เฎจเฎฟเฎฑเฏˆเฎตเฏ‡เฎฑเฏเฎฑเฏเฎฎเฏ เฎตเฎ•เฏˆเฎฏเฎฟเฎฒเฏ, เฎชเฎดเฏˆเฎฏ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฉเฏ เฎชเฎฒเฎฉเฏเฎ•เฎณเฏˆ เฎตเฎดเฎ™เฏเฎ•เฎ•เฏเฎ•เฏ‚เฎŸเฎฟเฎฏ โ€œเฎคเฎฎเฎฟเฎดเฏเฎจเฎพเฎŸเฏ เฎ‰เฎฑเฏเฎคเฎฟเฎฏเฎณเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎฎเฏ (Tamil Nadu Assured Pension Scheme โ€“ TAPS)โ€ เฎšเฏ†เฎฏเฎฒเฏเฎชเฎŸเฏเฎคเฏเฎคเฎชเฏเฎชเฎŸเฏเฎฎเฏ เฎŽเฎฉเฏเฎฑเฏ เฎฎเฎพเฎฃเฏเฎชเฏเฎฎเฎฟเฎ•เฏ เฎฎเฏเฎคเฎฒเฎฎเฏˆเฎšเฏเฎšเฎฐเฏ เฎคเฎฟเฎฐเฏ. เฎฎเฏ.เฎ•.เฎธเฏเฎŸเฎพเฎฒเฎฟเฎฉเฏ เฎ…เฎตเฎฐเฏเฎ•เฎณเฏ เฎ†เฎฃเฏˆเฎฏเฎฟเฎŸเฏเฎŸเฏเฎณเฏเฎณเฎพเฎฐเฏ.

เฎ…เฎฐเฎšเฏ เฎ…เฎฒเฏเฎตเฎฒเฎฐเฏเฎ•เฎณเฎฟเฎฉเฏ เฎจเฎฒเฎฉเฏ เฎ•เฎพเฎชเฏเฎชเฎคเฎฟเฎฒเฏ เฎ‡เฎจเฏเฎค เฎ…เฎฐเฎšเฏ เฎŽเฎŸเฏเฎคเฏเฎคเฏเฎณเฏเฎณ เฎฎเฏเฎ•เฏเฎ•เฎฟเฎฏ เฎจเฎŸเฎตเฎŸเฎฟเฎ•เฏเฎ•เฏˆเฎ•เฎณเฏ:

  • เฎ…เฎ•เฎตเฎฟเฎฒเฏˆเฎชเฏเฎชเฎŸเฎฟ เฎ‰เฎฏเฎฐเฏเฎตเฏ: 2022-เฎ†เฎฎเฏ เฎ†เฎฃเฏเฎŸเฏ เฎฎเฏเฎคเฎฒเฏ เฎ’เฎฉเฏเฎฑเฎฟเฎฏ เฎ…เฎฐเฎšเฎฟเฎฑเฏเฎ•เฏ เฎ‡เฎฃเฏˆเฎฏเฎพเฎ• เฎ…เฎ•เฎตเฎฟเฎฒเฏˆเฎชเฏเฎชเฎŸเฎฟ เฎ‰เฎฏเฎฐเฏเฎตเฏ เฎคเฏŠเฎŸเฎฐเฏเฎจเฏเฎคเฏ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸเฏ เฎตเฎฐเฏเฎ•เฎฟเฎฑเฎคเฏ.
  • เฎˆเฎŸเฏเฎŸเฎฟเฎฏ เฎตเฎฟเฎŸเฏเฎชเฏเฎชเฏ: 01.10.2025 เฎฎเฏเฎคเฎฒเฏ เฎ…เฎฐเฎšเฏเฎชเฏ เฎชเฎฃเฎฟเฎฏเฎพเฎณเฎฐเฏเฎ•เฎณเฏ เฎคเฎ™เฏเฎ•เฎณเฎคเฏ เฎˆเฎŸเฏเฎŸเฎฟเฎฏ เฎตเฎฟเฎŸเฏเฎชเฏเฎชเฎฟเฎฉเฏˆ เฎ’เฎชเฏเฎชเฎŸเฏˆเฎชเฏเฎชเฏ เฎšเฏ†เฎฏเฏเฎคเฏ เฎชเฎฃเฎฎเฎพเฎ•เฎชเฏ เฎชเฏ†เฎฑเฏเฎฑเฏเฎ•เฏเฎ•เฏŠเฎณเฏเฎณเฏเฎฎเฏ เฎจเฎŸเฏˆเฎฎเฏเฎฑเฏˆ เฎฎเฏ€เฎฃเฏเฎŸเฏเฎฎเฏ เฎšเฏ†เฎฏเฎฒเฏเฎชเฎŸเฏเฎคเฏเฎคเฎชเฏเฎชเฎŸเฏเฎŸเฏเฎณเฏเฎณเฎคเฏ.
  • เฎ•เฎพเฎชเฏเฎชเฏ€เฎŸเฏเฎŸเฏเฎคเฏ เฎคเฏŠเฎ•เฏˆ: เฎ…เฎฐเฎšเฏเฎชเฏ เฎชเฎฃเฎฟเฎฏเฎพเฎณเฎฐเฏเฎ•เฎณเฏ เฎตเฎฟเฎชเฎคเฏเฎคเฎฟเฎฒเฏ เฎ‰เฎฏเฎฟเฎฐเฎฟเฎดเฎ•เฏเฎ• เฎจเฏ‡เฎฐเฏเฎจเฏเฎคเฎพเฎฒเฏ 1 เฎ•เฏ‹เฎŸเฎฟ เฎฐเฏ‚เฎชเฎพเฎฏเฏเฎฎเฏ, เฎ‡เฎฏเฎฑเฏเฎ•เฏˆ เฎฎเฎฐเฎฃเฎฎเฎŸเฏˆเฎจเฏเฎคเฎพเฎฒเฏ 10 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฏเฎฎเฏ เฎ†เฎฏเฏเฎณเฏ เฎ•เฎพเฎชเฏเฎชเฏ€เฎŸเฏเฎŸเฏเฎคเฏ เฎคเฏŠเฎ•เฏˆเฎฏเฎพเฎ• เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎ•เฎฟเฎฑเฎคเฏ.
  • เฎ•เฎฒเฏเฎตเฎฟ เฎฎเฏเฎฉเฏเฎชเฎฃเฎฎเฏ: เฎคเฏŠเฎดเฎฟเฎฑเฏเฎ•เฎฒเฏเฎตเฎฟเฎ•เฏเฎ•เฏ 1 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎพเฎ•เฎตเฏเฎฎเฏ, เฎ•เฎฒเฏˆ เฎฎเฎฑเฏเฎฑเฏเฎฎเฏ เฎ…เฎฑเฎฟเฎตเฎฟเฎฏเฎฒเฏ เฎ•เฎฒเฏเฎตเฎฟเฎ•เฏเฎ•เฏ 50 เฎ†เฎฏเฎฟเฎฐเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎพเฎ•เฎตเฏเฎฎเฏ เฎ•เฎฒเฏเฎตเฎฟ เฎฎเฏเฎฉเฏเฎชเฎฃเฎฎเฏ เฎ‰เฎฏเฎฐเฏเฎคเฏเฎคเฎฟ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎ•เฎฟเฎฑเฎคเฏ.
  • เฎคเฎฟเฎฐเฏเฎฎเฎฃ เฎฎเฏเฎฉเฏเฎชเฎฃเฎฎเฏ: เฎ…เฎฐเฎšเฏเฎชเฏ เฎชเฎฃเฎฟเฎฏเฎพเฎณเฎฐเฏเฎ•เฎณเฏเฎ•เฏเฎ•เฏ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸเฏ เฎตเฎจเฏเฎค เฎคเฎฟเฎฐเฏเฎฎเฎฃ เฎฎเฏเฎฉเฏเฎชเฎฃเฎฎเฏ 10 เฎ†เฎฏเฎฟเฎฐเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎฟเฎฒเฎฟเฎฐเฏเฎจเฏเฎคเฏ 5 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎพเฎ• เฎ‰เฎฏเฎฐเฏเฎคเฏเฎคเฎชเฏเฎชเฎŸเฏเฎŸเฏเฎณเฏเฎณเฎคเฏ.
  • เฎตเฏ€เฎŸเฏ เฎ•เฎŸเฏเฎŸเฏเฎฎเฏ เฎฎเฏเฎฉเฏเฎชเฎฃเฎฎเฏ: เฎตเฏ€เฎŸเฏ เฎ•เฎŸเฏเฎŸเฏเฎตเฎคเฎฑเฏเฎ•เฎพเฎฉ เฎฎเฏเฎฉเฏเฎชเฎฃเฎฎเฏ 40 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎฟเฎฒเฎฟเฎฐเฏเฎจเฏเฎคเฏ 50 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎพเฎ• เฎ‰เฎฏเฎฐเฏเฎคเฏเฎคเฎฟ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎ•เฎฟเฎฑเฎคเฏ.
  • เฎฎเฎ•เฎชเฏเฎชเฏ‡เฎฑเฏ เฎตเฎฟเฎŸเฏเฎชเฏเฎชเฏ: เฎชเฏ†เฎฃเฏ เฎ…เฎฐเฎšเฏ เฎ…เฎฒเฏเฎตเฎฒเฎฐเฏเฎ•เฎณเฎฟเฎฉเฏ เฎฎเฎ•เฎชเฏเฎชเฏ‡เฎฑเฏ เฎตเฎฟเฎŸเฏเฎชเฏเฎชเฏ 9 เฎฎเฎพเฎคเฎ™เฏเฎ•เฎณเฎฟเฎฒเฎฟเฎฐเฏเฎจเฏเฎคเฏ 12 เฎฎเฎพเฎคเฎ™เฏเฎ•เฎณเฎพเฎ• เฎ‰เฎฏเฎฐเฏเฎคเฏเฎคเฎชเฏเฎชเฎŸเฏเฎŸเฏเฎณเฏเฎณเฎคเฏ.
  • เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎชเฏ เฎชเฎฃเฎฟเฎ•เฏเฎ•เฏŠเฎŸเฏˆ: เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎชเฏ เฎชเฎฃเฎฟเฎ•เฏเฎ•เฏŠเฎŸเฏˆ 20 เฎ‡เฎฒเฎŸเฏเฎšเฎคเฏเฎคเฎฟเฎฒเฎฟเฎฐเฏเฎจเฏเฎคเฏ 25 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฎพเฎ• เฎ‰เฎฏเฎฐเฏเฎคเฏเฎคเฎฟ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎ•เฎฟเฎฑเฎคเฏ.

Also Read in English : Tamil Nadu Assured Pension Scheme (TAPS): TN Govt

เฎชเฏเฎคเฎฟเฎฏ TAPS เฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฉเฏ เฎšเฎฟเฎฑเฎชเฏเฎชเฎฎเฏเฎšเฎ™เฏเฎ•เฎณเฏ:

เฎ…เฎฐเฎšเฏ เฎ•เฏ‚เฎŸเฏเฎคเฎฒเฏ เฎคเฎฒเฏˆเฎฎเฏˆเฎšเฏ เฎšเฏ†เฎฏเฎฒเฎพเฎณเฎฐเฏ เฎคเฎฟเฎฐเฏ. เฎ•เฎ•เฎฉเฏเฎคเฏ€เฎชเฏเฎšเฎฟเฎ™เฏ เฎชเฏ‡เฎŸเฎฟ, เฎ‡.เฎ†.เฎช. เฎคเฎฒเฏˆเฎฎเฏˆเฎฏเฎฟเฎฒเฎพเฎฉ เฎ•เฏเฎดเฏเฎตเฎฟเฎฉเฏ เฎ…เฎฑเฎฟเฎ•เฏเฎ•เฏˆเฎฏเฏˆเฎชเฏ เฎชเฎฐเฎฟเฎšเฏ€เฎฒเฎฟเฎคเฏเฎคเฏ เฎ‡เฎคเฏเฎคเฎฟเฎŸเฏเฎŸเฎฎเฏ เฎ…เฎฑเฎฟเฎตเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸเฏเฎณเฏเฎณเฎคเฏ.

  1. 50% เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฏ: เฎฎเฎพเฎจเฎฟเฎฒ เฎ…เฎฐเฎšเฏ เฎ…เฎฒเฏเฎตเฎฒเฎฐเฏเฎ•เฎณเฏ เฎชเฏ†เฎฑเฏเฎฑ เฎ•เฎŸเฏˆเฎšเฎฟ เฎฎเฎพเฎค เฎŠเฎคเฎฟเฎฏเฎคเฏเฎคเฎฟเฎฒเฏ 50 เฎšเฎคเฎตเฏ€เฎคเฎฎเฏ เฎ‰เฎฑเฏเฎคเฎฟเฎฏเฎณเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎŸ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฎพเฎ• เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎฎเฏ.
  2. เฎ…เฎฐเฎšเฎฟเฎฉเฏ เฎชเฎ™เฏเฎ•เฎณเฎฟเฎชเฏเฎชเฏ: เฎชเฎฃเฎฟเฎฏเฎพเฎณเฎฐเฏเฎ•เฎณเฎฟเฎฉเฏ 10 เฎšเฎคเฎตเฏ€เฎค เฎชเฎ™เฏเฎ•เฎณเฎฟเฎชเฏเฎชเฏ‹เฎŸเฏ, เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏ เฎจเฎฟเฎคเฎฟเฎฏเฎคเฏเฎคเฎฟเฎฑเฏเฎ•เฏเฎคเฏ เฎคเฏ‡เฎตเฏˆเฎชเฏเฎชเฎŸเฏเฎฎเฏ เฎ•เฏ‚เฎŸเฏเฎคเฎฒเฏ เฎจเฎฟเฎคเฎฟ เฎฎเฏเฎดเฏเฎตเฎคเฏˆเฎฏเฏเฎฎเฏ เฎคเฎฎเฎฟเฎดเฏเฎจเฎพเฎŸเฏ เฎ…เฎฐเฎšเฏ‡ เฎเฎฑเฏเฎ•เฏเฎฎเฏ.
  3. เฎ…เฎ•เฎตเฎฟเฎฒเฏˆเฎชเฏเฎชเฎŸเฎฟ เฎ‰เฎฏเฎฐเฏเฎตเฏ: เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฎพเฎฐเฎฐเฏเฎ•เฎณเฏเฎ•เฏเฎ•เฏ เฎ†เฎฃเฏเฎŸเฏเฎคเฏ‹เฎฑเฏเฎฎเฏ เฎ†เฎฑเฏ เฎฎเฎพเฎคเฎคเฏเฎคเฎฟเฎฑเฏเฎ•เฏ เฎ’เฎฐเฏเฎฎเฏเฎฑเฏˆ เฎ…เฎฐเฎšเฏ เฎ…เฎฒเฏเฎตเฎฒเฎฐเฏเฎ•เฎณเฏเฎ•เฏเฎ•เฏ เฎ‡เฎฃเฏˆเฎฏเฎพเฎฉ เฎ…เฎ•เฎตเฎฟเฎฒเฏˆเฎชเฏเฎชเฎŸเฎฟ เฎ‰เฎฏเฎฐเฏเฎตเฏ เฎ…เฎณเฎฟเฎ•เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎฎเฏ.
  4. เฎ•เฏเฎŸเฏเฎฎเฏเฎช เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฏ: เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฎพเฎฐเฎฐเฏ เฎ‡เฎฑเฎจเฏเฎคเฏเฎตเฎฟเฎŸเฏเฎŸเฎพเฎฒเฏ, เฎ…เฎตเฎฐเฏ เฎชเฎฐเฎฟเฎจเฏเฎคเฏเฎฐเฏˆเฎคเฏเฎค เฎ•เฏเฎŸเฏเฎฎเฏเฎช เฎ‰เฎฑเฏเฎชเฏเฎชเฎฟเฎฉเฎฐเฏเฎ•เฎณเฏเฎ•เฏเฎ•เฏ 60 เฎšเฎคเฎตเฏ€เฎคเฎฎเฏ เฎ•เฏเฎŸเฏเฎฎเฏเฎช เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฎพเฎ• เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎฎเฏ.
  5. เฎชเฎฃเฎฟเฎ•เฏเฎ•เฏŠเฎŸเฏˆ: เฎ“เฎฏเฏเฎตเฏ เฎชเฏ†เฎฑเฏเฎฎเฏ เฎชเฏ‹เฎคเฏเฎฎเฏ, เฎชเฎฃเฎฟเฎ•เฏเฎ•เฎพเฎฒเฎคเฏเฎคเฎฟเฎฒเฏ เฎ‡เฎฑเฎ•เฏเฎ• เฎจเฏ‡เฎฐเฎฟเฎŸเฏเฎฎเฏ เฎชเฏ‹เฎคเฏเฎฎเฏ 25 เฎ‡เฎฒเฎŸเฏเฎšเฎฎเฏ เฎฐเฏ‚เฎชเฎพเฎฏเฏเฎ•เฏเฎ•เฏ เฎฎเฎฟเฎ•เฎพเฎฎเฎฒเฏ เฎชเฎฃเฎฟเฎ•เฏเฎ•เฏŠเฎŸเฏˆ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎฎเฏ.
  6. เฎ•เฏเฎฑเฏˆเฎจเฏเฎคเฎชเฎŸเฏเฎš เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฏ: เฎคเฎ•เฏเฎคเฎฟเฎชเฏ เฎชเฎฃเฎฟเฎ•เฏเฎ•เฎพเฎฒเฎคเฏเฎคเฏˆ เฎจเฎฟเฎฑเฏˆเฎตเฏ เฎšเฏ†เฎฏเฏเฎฏเฎพเฎฎเฎฒเฏ เฎ“เฎฏเฏเฎตเฏ เฎชเฏ†เฎฑเฏเฎฎเฏ เฎ…เฎฒเฏเฎตเฎฒเฎฐเฏเฎ•เฎณเฏเฎ•เฏเฎ•เฏเฎฎเฏ เฎ•เฏเฎฑเฏˆเฎจเฏเฎคเฎชเฎŸเฏเฎš เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฏ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎฎเฏ.
  7. เฎšเฎฟเฎฑเฎชเฏเฎชเฏ เฎ•เฎฐเฏเฎฃเฏˆ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฏ: เฎชเฎ™เฏเฎ•เฎณเฎฟเฎชเฏเฎชเฏ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฉเฏ (CPS) เฎ•เฏ€เฎดเฏ เฎชเฎฃเฎฟเฎฏเฎฟเฎฒเฏ เฎšเฏ‡เฎฐเฏเฎจเฏเฎคเฏ, เฎ‡เฎคเฏเฎคเฎฟเฎŸเฏเฎŸเฎฎเฏ เฎตเฎฐเฏเฎตเฎคเฎฑเฏเฎ•เฏ เฎฎเฏเฎฉเฏเฎฉเฎฐเฏ เฎ“เฎฏเฏเฎตเฏ เฎชเฏ†เฎฑเฏเฎฑเฎตเฎฐเฏเฎ•เฎณเฏเฎ•เฏเฎ•เฏ เฎšเฎฟเฎฑเฎชเฏเฎชเฏ เฎ•เฎฐเฏเฎฃเฏˆ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎฎเฏ เฎตเฎดเฎ™เฏเฎ•เฎชเฏเฎชเฎŸเฏเฎฎเฏ.

เฎ‡เฎคเฏเฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฏˆ เฎ…เฎฑเฎฟเฎฎเฏเฎ•เฎชเฏเฎชเฎŸเฏเฎคเฏเฎคเฏเฎตเฎคเฎพเฎฒเฏ เฎคเฎฎเฎฟเฎดเฏเฎจเฎพเฎŸเฏ เฎ…เฎฐเฎšเฏ เฎ•เฏ‚เฎŸเฏเฎคเฎฒเฎพเฎ• 13 เฎ†เฎฏเฎฟเฎฐเฎฎเฏ เฎ•เฏ‹เฎŸเฎฟ เฎฐเฏ‚เฎชเฎพเฎฏเฏเฎฎเฏ, เฎ†เฎฃเฏเฎŸเฏเฎคเฏ‹เฎฑเฏเฎฎเฏ เฎ…เฎฐเฎšเฎฟเฎฉเฏ เฎชเฎ™เฏเฎ•เฎณเฎฟเฎชเฏเฎชเฎพเฎ• เฎšเฏเฎฎเฎพเฎฐเฏ 11 เฎ†เฎฏเฎฟเฎฐเฎฎเฏ เฎ•เฏ‹เฎŸเฎฟ เฎฐเฏ‚เฎชเฎพเฎฏเฏเฎฎเฏ เฎตเฎดเฎ™เฏเฎ•เฏเฎฎเฏ. เฎชเฎดเฏˆเฎฏ เฎ“เฎฏเฏเฎตเฏ‚เฎคเฎฟเฎฏเฎคเฏ เฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฑเฏเฎ•เฏ เฎ‡เฎฃเฏˆเฎฏเฎพเฎฉ เฎชเฎฒเฎฉเฏเฎ•เฎณเฏˆเฎคเฏ เฎคเฎฐเฏเฎฎเฏ เฎ‡เฎคเฏเฎคเฎฟเฎŸเฏเฎŸเฎคเฏเฎคเฎฟเฎฑเฏเฎ•เฏ เฎฎเฏเฎดเฏ เฎ’เฎคเฏเฎคเฏเฎดเฏˆเฎชเฏเฎชเฏ เฎจเฎฒเฏเฎ•เฏเฎฎเฎพเฎฑเฏ เฎฎเฎพเฎฃเฏเฎชเฏเฎฎเฎฟเฎ•เฏ เฎฎเฏเฎคเฎฒเฎฎเฏˆเฎšเฏเฎšเฎฐเฏ เฎ…เฎตเฎฐเฏเฎ•เฎณเฏ เฎ•เฏ‡เฎŸเฏเฎŸเฏเฎ•เฏเฎ•เฏŠเฎฃเฏเฎŸเฏเฎณเฏเฎณเฎพเฎฐเฏ.

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