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.

Workers Welfare Fund Pakistan 2026 | WWF Rate + Compliance

The Workers Welfare Fund (WWF) is a statutory contribution made by employers in Pakistan to fund worker welfare programmes — housing, education, marriage grants, scholarships for workers' children. It is separate from EOBI, PESSI and tax. Many SMBs miss it until an FBR or labour-department notice arrives. Here is what you need to know for 2026.

Who is liable

Under the Workers Welfare Fund Ordinance 1971 (and subsequent provincial laws after the 18th amendment), industrial establishments with a total income above a notified threshold are liable to contribute WWF. Coverage and rates vary by province since labour is a provincial subject after the amendment — Punjab, Sindh, KPK, Balochistan each administer their own WWF laws.

The calculation basis

WWF is typically calculated as a percentage of total income (per the income tax return) — historically 2% of the higher of declared income or assessed income. Different provinces may apply different rates post-amendment, and the calculation can change based on specific Finance Acts and provincial budgets. Always verify against the current notification.

Filing and payment

Calculate liability based on the relevant year's income
File the WWF return with the relevant authority (provincial WWF board or FBR depending on jurisdiction)
Pay through designated banks within the prescribed timeframe
Maintain records of payments and filings for audit

How payroll software typically handles WWF

WWF is calculated annually on company income — it is not a per-employee monthly deduction like EOBI or PESSI. So the payroll software's role is supporting:

Generating the income data needed for WWF calculation
Linking with accounting / financial reports
Maintaining the WWF payment record
Audit trail for the WWF compliance file

The actual WWF return filing typically goes through your tax practitioner or finance team, working from the income statement.

Common WWF mistakes

Ignoring it entirely — until a notice arrives years later
Filing under the wrong jurisdiction (federal vs provincial)
Not maintaining records for past years' WWF payments
Missing year-end deadlines and incurring penalties
Treating WWF as a per-employee deduction (it is not)

WWF vs other statutory contributions — the quick map

EOBI — federal pension, per-employee monthly (employer + employee)
Provincial SS (PESSI/SESSI/KPESSI/BESSI) — provincial medical/social benefits, per-employee monthly (employer only)
WHT under section 149 — per-employee monthly income tax
WWF — annual employer contribution on income, not per-employee
Professional tax — annual provincial fee for businesses and professionals

Each is administered separately. The compliance burden adds up.

Where HR / payroll software helps

Zaffre HRM handles per-employee statutory contributions (EOBI, provincial SS, WHT) directly in the payroll engine. For annual contributions like WWF, the system supports record-keeping, audit trail and integration with the income data needed for filing. The actual WWF filing typically goes through your tax practitioner.

Critical caveat

WWF rules and rates have evolved through the 18th amendment and subsequent provincial legislation. This article is a high-level guide; the specific rate, basis of calculation, and filing jurisdiction depend on your province and the latest provincial / federal notifications. Consult your tax practitioner or labour-law advisor for your specific situation.

Workers Welfare Fund (WWF) Pakistan 2026 — Employer Obligations