Zaffre HRM is an all-in-one HR and operations software platform by Zaffre Tech. It unifies HR, payroll, attendance, leave, remote-work monitoring, procurement, petty cash, project management, helpdesk and secure client communication in one connected system. Its standout feature is a dual payroll engine that runs local (PKR) and remittance (foreign currency) salaries in a single payroll run.

Who is Zaffre HRM for?

Small businesses, startups and growing companies of 5 to a few hundred employees — particularly those that have outgrown spreadsheets and disconnected SaaS tools. Strong fit for Pakistan-based companies and any team paying employees in multiple currencies.

What makes Zaffre HRM different from other HR and HCM platforms?

Most HR platforms cover HR and payroll well but leave operations (procurement, petty cash, projects, helpdesk, remote monitoring, client communication) to other tools. Zaffre HRM includes those natively and links every module together — a leave approval updates attendance and payroll, an employee exit triggers asset recovery and final settlement, and a client onboarding flows into billing. It also has a market-unique dual payroll engine.

Does Zaffre HRM support payroll in multiple currencies?

Yes. The dual payroll engine runs local-currency (PKR) salaries and remittance-currency (foreign) salaries together in a single payroll cycle — this is the platform's signature feature and is rare in the market.

Does Zaffre HRM include remote employee monitoring?

Yes, natively. A Tauri-based desktop agent captures login/logout, active hours, application and website usage, and periodic screenshots, and powers productivity-based attendance. It is not a third-party add-on.

Does Zaffre HRM have a mobile app?

Yes — a companion mobile app (Expo / React Native) for attendance, leave, payslips, chat and approvals, with real-time push notifications via FCM.

How is Zaffre HRM priced?

Transparent per-employee, per-module monthly pricing. Modules can be turned on or off per company. Designed to be cheaper in aggregate than the 6+ tools it replaces.

Where is Zaffre HRM based?

Zaffre Tech, the company behind Zaffre HRM, is headquartered in Pakistan and serves customers globally — with strong adoption in Pakistan, UAE and Saudi Arabia.

How to Calculate Gratuity in Pakistan 2026 | Formula + Examples

Gratuity is one of the most common settlement components Pakistani SMBs miscalculate. The formula seems simple but the qualifying conditions, the base salary definition, and the proration rules trip up many companies. Here is the clean version with worked examples.

The standard formula

The typical gratuity formula used in Pakistan is:

Gratuity = (Last drawn basic salary / 26 or 30) × 30 × number of completed years of service

Or expressed differently: one month's basic salary per completed year of service. Different companies use 26 days (working-days-only basis) or 30 days (calendar-month basis); 30 is more common for gratuity calculations.

Qualifying conditions (typical)

Minimum service period (often 1 year, sometimes 5 — check your contract / scheme)
Eligible for resignation, termination (non-misconduct), or retirement
Misconduct termination may forfeit gratuity per scheme rules
Calculation base is usually basic salary only (not gross including allowances) — but specific schemes may include certain allowances

Worked Example 1 — Clean 5-year tenure

Employee: Software engineer in Lahore
Basic salary at exit: PKR 100,000/month
Service: 5 complete years

Gratuity = (100,000 / 30) × 30 × 5 = 100,000 × 5 = PKR 500,000

Worked Example 2 — 7 years 6 months

Employee: Senior accountant in Karachi
Basic salary at exit: PKR 150,000/month
Service: 7 years 6 months

For partial years, two approaches are common:

Rounded down — 7 completed years only: 150,000 × 7 = PKR 1,050,000
Prorated — 7.5 years: 150,000 × 7.5 = PKR 1,125,000

The applicable approach depends on your scheme rules. Document it clearly in the policy.

Worked Example 3 — Mid-year exit at 3.25 years

Employee: Marketing executive in Islamabad
Basic salary at exit: PKR 80,000/month
Service: 3 years 3 months (rounded down to 3)

Gratuity = 80,000 × 3 = PKR 240,000

Where gratuity gets miscalculated

Calculating on gross salary instead of basic

Gratuity base is typically basic salary only, not gross including allowances (HRA, conveyance, medical, etc.). Calculating on gross over-pays significantly.

Misunderstanding partial year handling

Different companies use different rules — round down, round up, or prorate. The policy must specify which.

Using last 3 months average instead of last drawn

Some schemes use the last 3-12 months' average basic to prevent gaming via last-minute promotion. Check your scheme.

Not factoring in mid-year revisions

If the employee got a salary revision in the last few months, the higher basic generally applies — unless the scheme has averaging rules.

Ignoring forfeiture conditions

Misconduct termination may forfeit gratuity. Resignation during notice without serving may have a different rule.

Gratuity vs Provident Fund — the distinction

Gratuity — paid by employer on exit, based on years of service, not contribution-based
Provident Fund (PF) — joint contribution scheme during employment, withdrawable on exit per vesting rules

An employee may be entitled to both, depending on the company's schemes.

Tax on gratuity

Gratuity received from an approved gratuity fund or scheme has tax-exemption rules under the Income Tax Ordinance up to specified limits. Gratuity from an unapproved arrangement may be fully taxable. The exact treatment depends on the scheme structure. Cross-check with your tax practitioner.

How payroll / HR software should handle gratuity

Per-employee service-period auto-tracked from joining date
Configurable formula (basic salary basis, partial-year rule)
Auto-trigger in final settlement workflow
Tax treatment configurable per scheme
Audit trail of the calculation

The Zaffre HRM gratuity fit

Zaffre HRM's final settlement module auto-calculates gratuity from the joining date and configured formula, with tax treatment per scheme. See: final settlement playbook.

Book a demo for the final settlement walkthrough.

Caveat

Gratuity entitlement and calculation depend on your company's specific scheme, contract, and applicable labour law. This article is a general guide; consult your HR / labour-law advisor for specific cases.

How to Calculate Gratuity in Pakistan — Formula + Examples