How to make 'transparent text effect' in photoshop?

Open the pineapple  image.

Create a duplicate layer of the Background layer by pressing the 'Ctrl & J' buttons.

 Select the 'Subject' option from the 'Select' menu.

'Ctrl & J'  buttons should  be pressed.  A duplicate layer of the transparent background will be created.

Select the text tool and type the letters. Press  'Ctrl & T' to set the letters.

Create a duplicate layer  of the letter.

Right click on duplicate letter layer and select 'Convert to Shape' option.

Select the 'Rectangle Shape' tool. In the 'Fill' section, 'No Fill' should be set and in the 'Stroke' section, white color and 4 point number should be set.

The first layer  of the letter should be placed below the transparent background layer.

Select the layer  of both letters & right click on it. Select the 'Link Layer' option  from the list.

A transparent effect will appear on the letters.

Sampurna Photoshop  (संपूर्ण फोटोशॉप)