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 Do Final Settlement of Employee in Pakistan 2026

Final settlement (often called F&F — "Full and Final") is the payment due to an employee on resignation, termination or retirement. In Pakistan, this is where most exits go wrong: missed deductions, forgotten leave encashment, contested gratuity calculations, asset recovery overlooked. A clean process protects both sides. Here it is, step by step.

The 8 components of a clean final settlement

1. Unpaid salary (last partial month)

Pro-rated salary from the first of the month to the last working day. If the employee worked 12 days of a 26-day month, they get 12/26 × monthly salary. Include any unpaid prior arrears.

2. Leave encashment

Unused earned/annual leave (and sometimes casual leave, depending on company policy) is converted to cash at the per-day rate. Per-day rate = monthly basic / 26 (or 30, depending on policy). Sick leave is typically not encashable.

3. Gratuity (if applicable)

If the company has a gratuity scheme and the employee has completed the qualifying service period (often 1 year minimum, sometimes 5), gratuity is typically one month's basic salary per completed year of service, prorated for partial years above the threshold. Some companies offer this even where not legally required.

4. Provident Fund withdrawal

If the employee was a member of the company's Provident Fund, both their contribution and the employer's matched contribution (subject to vesting rules) become withdrawable. The PF withdrawal goes through the PF trust / scheme administrator.

5. EOBI status update

Notify EOBI of the employee's exit so their contribution record closes correctly. The employee can later claim EOBI pension at retirement age, independent of subsequent jobs.

6. Bonus / commission arrears

Any earned but unpaid annual bonus, performance bonus, or commission must be calculated and added.

7. Outstanding deductions

This is where it gets tricky. Subtract:

Outstanding loan or advance balances
Unrecovered reimbursement advances
Notice-period shortfall (if employee left without serving notice and policy applies)
Damage to company assets (only if documented and policy-supported)
Any other contractual recovery

8. Tax (WHT) on the settlement amount

The settlement total is taxable income. Calculate WHT for the year-to-date including the settlement amount, deduct any tax already paid, and withhold the remainder.

The 5 supporting workflows you also need

Multi-department clearance

Before releasing the cheque, get clearance from HR, IT (account revoked, devices returned), Admin (asset, ID card, parking pass returned), and Finance (no outstanding dues). Skipping this is how laptops disappear.

Document handover

Knowledge transfer document, project handover, client introductions, password vault transfer — all confirmed before exit.

Asset recovery

Laptop, mobile, ID card, access cards, uniform, tools. Each asset returned and signed off. Zaffre HRM's asset management ties assets to the employee record and auto-flags pending returns on exit.

Reference letter / experience certificate

Issue formally on company letterhead. Includes joining date, exit date, last designation, and salary range (if requested).

Final settlement letter

Written acknowledgment of the settlement amount, signed by both sides, including breakdown of every component. Protects against later disputes.

How long should it take?

Industry norm: settlement disbursed within 30-45 days of last working day. Faster is better for relationships; slower invites labour-court action.

The most common F&F mistakes

Calculating leave encashment on gross instead of basic (over-pays)
Forgetting to deduct outstanding loan
Not adjusting WHT for year-to-date — over- or under-deducting tax
Releasing payment before asset recovery
No written settlement letter — leading to disputes 6 months later
Missing EOBI/PF notification

How HR software helps

Zaffre HRM's final settlement module calculates every component automatically (unpaid salary, leave encashment, gratuity, bonus, deductions, WHT), enforces multi-department clearance workflow, tracks asset returns, and generates the final settlement letter. Book a demo to see it run end-to-end.

Caveat

Settlement rules differ by employment contract, company policy and provincial labour law. This article is a general guide; consult your HR / labour-law advisor for specific cases.

How to Do Final Settlement of Employee in Pakistan — Step by Step