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.

PESSI Contribution Rate Pakistan 2026 | Employer Guide

PESSI (Punjab Employees Social Security Institution) is the Punjab provincial social security scheme covering medical care and related benefits for insured workers. It is separate from EOBI (which is federal and covers pensions). Employers operating in Punjab with 5 or more workers are typically required to register, in addition to EOBI. Here is what to know for 2026.

Who must register

Any establishment in Punjab employing 5+ workers earning up to the insurable wage ceiling defined by PESSI. Sindh has SESSI, KPK has KPESSI, Balochistan has BESSI — each is a separate provincial scheme. If you operate across provinces, you may need to register with multiple provincial institutions.

Contribution rate (2026)

PESSI contribution is paid by the employer only — there is no employee deduction. The rate is a percentage of the insurable wage per insured worker per month. Check the current PESSI website (pessi.punjab.gov.pk) for the latest rate, since it is revised periodically.

EOBI vs PESSI — common confusion

Many small businesses confuse the two:

EOBI — federal, covers old-age pensions, employer + employee both contribute
PESSI — Punjab provincial, covers medical care + related benefits, employer-only contribution

You typically need to register for both if you are in Punjab with 5+ workers.

How to register with PESSI

Get an Employer Registration Number from the nearest PESSI office (online application available)
Register each insured worker — CNIC, joining date, designation
Each worker gets a Social Security number
Begin monthly contributions via designated banks
File monthly returns by the due date

How payroll should handle PESSI

Per-employee PESSI number tracked in the HR record
Monthly contribution auto-calculated on insurable wage (capped at the ceiling)
Employer-side liability shown on the books (not on the employee's payslip — it is not their deduction)
Monthly return data exportable in PESSI's required format

Common PESSI mistakes

Assuming EOBI registration covers PESSI — it does not
Calculating contribution on full salary instead of insurable wage
Forgetting to update worker registration when someone is promoted above the insurable ceiling
Cross-province operations registered in only one province
Missing monthly returns and incurring penalties

Sindh, KPK, Balochistan

If your employees work in Sindh, register with SESSI. KPK — KPESSI. Balochistan — BESSI. Each has its own rate and process. Multi-province businesses register in each province where they have workers.

Where Zaffre HRM fits

Zaffre HRM handles provincial social security schemes including PESSI in the payroll engine — per-employee SS numbers, auto contribution calculation on insurable wage, and monthly return export. Book a demo if you operate in Punjab.

Always verify

Provincial social security rules and rates change. Validate against the current PESSI / SESSI / KPESSI / BESSI notification before applying any number here. Consult your compliance advisor for your specific situation.

PESSI Contribution Rate Pakistan 2026 — Employer Guide