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 vs ESSI vs SESSI Pakistan 2026 | Provincial Differences

Pakistan's four provinces each have their own employees' social security institution. PESSI (Punjab), SESSI (Sindh), KPESSI (Khyber Pakhtunkhwa), BESSI (Balochistan). Companies operating across provinces must comply with each separately. Many SMBs get confused or miss provincial obligations entirely. Here is the comparison.

The common framework

After the 18th constitutional amendment, labour became a provincial subject. Each province set up (or continued) its own social security institution covering:

Medical care for insured workers and their families
Maternity benefits
Death and funeral benefits
Disablement benefits

The schemes are funded primarily by employer contributions (employee usually does not contribute, distinguishing them from EOBI).

PESSI — Punjab Employees Social Security Institution

Administered under Punjab provincial law. Coverage typically for establishments in Punjab employing 5+ workers earning up to the insurable wage ceiling. Employer-only contribution at a percentage of insurable wage.

Registration through PESSI offices in major Punjab cities (Lahore, Faisalabad, etc.).

SESSI — Sindh Employees Social Security Institution

Administered under Sindh provincial law. Similar coverage to PESSI but for Sindh establishments. Rates and ceiling may differ from Punjab.

Registration through SESSI offices in Karachi, Hyderabad, etc.

KPESSI — Khyber Pakhtunkhwa Employees Social Security Institution

Administered under KPK provincial law. Coverage for KPK establishments. Rates and rules may differ from other provinces.

Registration through KPESSI offices in Peshawar, etc.

BESSI — Balochistan Employees Social Security Institution

Administered under Balochistan provincial law. Coverage for Balochistan establishments. Rates and rules may differ.

Registration through BESSI offices in Quetta, etc.

For multi-province companies

A company with offices in Karachi + Lahore + Islamabad:

Karachi office → SESSI (Sindh)
Lahore office → PESSI (Punjab)
Islamabad → ICT (federal) — does not have a provincial SS scheme equivalent

Each location requires separate provincial registration. Per-location compliance.

For employees moving between provinces

If an employee transfers from Lahore (PESSI) to Karachi (SESSI), the employer must:

Notify PESSI of the move
Register the employee with SESSI
Begin contributions to SESSI from the new location

The contribution mechanics

Provincial SS contribution is typically:

Employer-only
Calculated on insurable wage (often tied to minimum wage)
Paid monthly via designated banks
Monthly return filed with the relevant institution

What each scheme provides

Common benefits (with provincial variations):

Medical care — through institutional hospitals / clinics + reimbursement for emergency care
Maternity benefit — cash benefit during maternity leave (in addition to employer's leave pay)
Death benefit — payment to family on insured person's death
Funeral benefit — one-time payment for funeral expenses
Disablement benefit — for work-related injury or illness

Why ESSI / SESSI / PESSI / KPESSI / BESSI are separate from EOBI

EOBI — federal, pensions only, employer + employee contribute
Provincial SS — provincial, medical + maternity + death etc., employer only contributes

Different programs, different funding, different benefits, different administrative bodies. Companies must register for both where applicable.

Common SMB mistakes

Confusing EOBI with provincial SS — registering for one, missing the other
Operating in multiple provinces, registering in only one
Wrong rate (using outdated rate after notification change)
Missing provincial migration when employee transfers location
Missing monthly returns

How HR software supports provincial SS

Per-employee location → drives which provincial SS applies
Per-employee SS number tracked
Auto-calculation of monthly contribution on insurable wage
Per-province monthly return data exportable
Multi-location employer with multi-province compliance handled

The Zaffre HRM fit

Zaffre HRM supports provincial SS (PESSI / SESSI / KPESSI / BESSI) with per-employee per-province tracking, per-province return generation, and multi-location compliance. See: PESSI guide.

Book a demo.

Critical caveat

Provincial social security rules and rates differ by province and change with provincial Finance Acts and notifications. Always verify against current provincial notifications. Consult a labour-compliance advisor for specific cases.

PESSI vs ESSI vs SESSI — Provincial Social Security Schemes Explained