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Compliance for Software Houses
Pakistan's IT Compliance Specialists · PSEB · SECP · FBR · EOBI
Call Centre Compliance.
Payroll, WHT, SECP & EOBI
— Fully Managed.
Pakistan’s IT sector is one of the most incentive-rich in the economy — tax exemptions, PSEB export benefits, SECP facilitation. But only if you’re registered and compliant. PFOC handles every registration, filing, and deadline so your team can focus entirely on building product.
Compliance bodies for IT firms
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Income tax for PSEB registered firms
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Annual filings to manage
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Digital — file from anywhere
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📊 COMPLIANCE STATUS DASHBOARD
PSEB
PSEB Membership
Software export board registration
✔ Active
SECP
SECP Annual Return
Due: 30 days after AGM
✔ Filed
FBR
FBR IRIS — Corporate Tax Return
Tax Year 2025 — Due Dec 31
⏳ Pending
FBR
WHT Reconciliation Statement
Annual reconciliation — IRIS portal
⚠ Missing
EOBI
EOBI Monthly Contributions
Due by 15th each month
✔ Up to date
PTSA
PTA / PTSA Registration
For telecom & SaaS services
⚠ Required
⚠ 2 compliance gaps detected. Missing filings attract penalties up to PKR 100,000.
PFOC can resolve this within 48 hours.
🏢 SECP Registered Consultants
💻 IT & Software House Specialists
📋 PSEB Registration Experts
🔒 100% Secure & Confidential
⚡ 48-hr Emergency Compliance Service
Why This Matters
Pakistan's Call Centre Industry Is Booming — But One Compliance Failure Can Shut You Down
Pakistan hosts thousands of call centres and BPOs, employing hundreds of thousands of agents. The industry earns billions in foreign exchange. But the compliance requirements for running a call centre are among the most complex in Pakistan's business landscape — cutting across PSEB registration, SECP corporate filings, FBR payroll tax, WHT on service contracts, and mandatory EOBI contributions for every agent.
The typical call centre with 50 agents has 12+ mandatory annual filings, monthly payroll WHT obligations, and EOBI contributions for the entire team — all with hard deadlines and automatic penalties for delays. Most operators manage these in-house with unqualified staff — accumulating a silent, growing liability.
📌 The Legal Foundation
Under Pakistan’s tax law, you are legally entitled to every deduction and exemption available to your income type. Failing to claim them doesn’t make you more honest it just makes you pay more than you owe.
📉 What Non-Compliance Actually Costs IT Companies
Real financial impact of skipping compliance
Extra WHT (non-filer rate on contracts)
14.5% vs 8% — on PKR 5M in service contracts
+PKR 325K
EOBI late registration (50 agents)
PKR 10,000 per unregistered employee
PKR 500K
SECP late annual return (2 years)
PKR 100/day × 730 days
PKR 73K
FBR payroll WHT not deposited
On PKR 10M export revenue @ 29% corp tax
Variable
Missed PSEB income tax exemption
14.5% vs 8% for active filers
PKR 2.9M
Total avoidable annual loss for a typical IT company
PKR 2–6 Million
PFOC compliance fee: a fraction of this amount
The 5 Compliance Pillars
Every Call Centre in Pakistan Must Manage These 5 Regulatory Requirements
Missing even one exposes your operation to penalties, reputational risk, and blocked banking facilities.
PSEB
PSEB
Pakistan Software Export Board
The gateway to Pakistan's IT export incentives. PSEB membership unlocks income tax exemptions on IT export revenue, preferential forex treatment, and international market access support.
Tax Exemption
Export Benefits
FCV Accounts
Market Access
PSEB
PSEB
Pakistan Software Export Board
The gateway to Pakistan's IT export incentives. PSEB membership unlocks income tax exemptions on IT export revenue, preferential forex treatment, and international market access support.
Tax Exemption
Export Benefits
FCV Accounts
Market Access
PSEB
PSEB
Pakistan Software Export Board
The gateway to Pakistan's IT export incentives. PSEB membership unlocks income tax exemptions on IT export revenue, preferential forex treatment, and international market access support.
Tax Exemption
Export Benefits
FCV Accounts
Market Access
PSEB
PSEB
Pakistan Software Export Board
The gateway to Pakistan's IT export incentives. PSEB membership unlocks income tax exemptions on IT export revenue, preferential forex treatment, and international market access support.
Tax Exemption
Export Benefits
FCV Accounts
Market Access
Common Gaps We Fix
The 8 Compliance Failures Most Common in Pakistan's Call Centres
These are the most common compliance issues we find when auditing Pakistan’s IT companies — most founders don’t even know they exist.
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Not Registered with PSEB
Your company is paying 29% corporate income tax on IT export revenue. A PSEB-registered firm pays 0%. The difference on PKR 5M revenue is PKR 1.45M — every year.
Lost: PKR 1.45M/year
Educational Deep Dive
Complete Guide to Each Compliance Requirement
Select a regulatory body to understand exactly what’s required, when it’s due, what documents you need, and what PFOC does on your behalf.
Income Tax in Pakistan
Governed by the Income Tax Ordinance 2001, income tax applies to individuals, AOPs, and companies based on their taxable income. Tax year runs July 1 – June 30. Returns are due by September 30 for individuals and December 31 for companies.
2024–25 Salaried Income Tax Slabs
Annual Income
Tax Rate
Up to PKR 600,000
0%
PKR 600,001 – 1,200,000
5% on excess
PKR 1,200,001 – 2,200,000
PKR 30,000 + 15%
PKR 2,200,001 – 3,200,000
PKR 180,000 + 25%
PKR 3,200,001 – 4,100,000
PKR 430,000 + 30%
Above PKR 4,100,000
PKR 700,000 + 35%
✅ Key Deductions Available to Salaried Individuals
✓ Zakat paid to government treasury
✓ Charitable donations (up to 30% of income)
✓ Life insurance premiums
✓ Education expenses for children
✓ Medical allowance (up to 10% of salary)
✓ Provident fund & pension contributions
✓ Investment in approved pension fund
✓ Profit on debt (mortgage interest)
💡 PFOC Tax Tip
Most salaried employees pay more tax than required because their employer doesn't know about their personal deductions (like private school fees or life insurance). File your own return to claim these back.
Sales Tax in Pakistan
Standard GST rate is 18% on most goods and services. Businesses with annual turnover above PKR 10 million must be registered for sales tax. Monthly returns are due by the 15th of the following month.
Key Sales Tax Rates 2024–25
Standard Rate (Goods)
18%
Luxury Goods
25%
Essential Food Items
Zero-Rated
IT Services (ITES)
Zero-Rated
Exempt Supplies
0%
✅ Input Tax Credit — Don't Leave Money on the Table
Registered businesses can claim input tax credits on purchases — reducing their net sales tax payable. Most small businesses don’t claim the input tax they’re entitled to, effectively paying double. PFOC ensures every valid input tax is claimed.
Sales Tax Compliance Calendar
📅 15th of each month — Monthly return filing deadline
📅 Within 15 days — Payment of due tax after return
📅 Annual — Registration renewal if required
📅 Annual — Registration renewal if required
Withholding Tax — Pakistan's Most Complex Tax
Pakistan has 54 different withholding tax provisions under the Income Tax Ordinance. WHT is deducted at source by the payer and the rate varies dramatically depending on whether the payee is a filer or non-filer.
Common WHT Rates: Filer vs Non-Filer
Transaction
Filer
Non-Filer
Bank Cash Withdrawal
0%
0.6%
Vehicle Registration
PKR 5K–200K
PKR 10K–400K
Property Purchase (Val.)
3%
6%
Services Contracts
8%
14.5%
Dividend Income
15%
30%
⚠️ The Non-Filer Trap
Non-filers pay double the withholding tax rate on virtually every financial transaction — banking, property, vehicles, imports, dividends. The annual financial cost of being a non-filer is often PKR 200,000–500,000 for middle-income households.
✅ How PFOC Helps
✓ Get you on FBR’s Active Taxpayer List (ATL)
✓ Identify all WHT deducted and claim adjustments
✓ Recover excess WHT through annual return
✓ Advise on transactions to time for minimum WHT
Capital Gains Tax on Property & Shares
CGT applies on the sale of immovable property and securities in Pakistan. The rate depends on the holding period — the longer you hold, the less tax you pay. Strategic timing of property sales can save enormous amounts
Property CGT Rates by Holding Period
Holding Period
CGT Rate
Less than 1 year
15%
1–2 years
12.5%
2–3 years
10%
3–4 years
7.5%
4–5 years
5%
More than 6 years
0%
💡 The Holding Period Strategy
On a property sold for PKR 10M with PKR 3M in gains, waiting just one extra year before selling (crossing from year 5 to year 6) can save you PKR 150,000 in CGT. We advise on exactly when to sell.
✅ PFOC Property Tax Services
✓ Pre-sale CGT calculation & timing advice
✓ FBR valuation vs market price reconciliation
✓ Deemed income tax on undeclared properties
✓ Inheritance & gift tax implications
✓ Rental income tax optimization
Why PFOC
What You Gain From PFOC Tax Planning
Beyond just filing your return we build a tax strategy that saves you money every year, keeps you compliant, and lets you sleep at night.
Lower Tax Bill 100% Legally
By claiming every allowance, deduction, and credit you're legally entitled to, PFOC clients typically reduce their tax liability by 20–45% compared to self-filing.
Zero FBR Penalties, Zero Notices
With PFOC managing your compliance, you're always on time, always correct, always compliant. We've maintained a 100% penalty-free record for all managed clients.
Active Taxpayer List (ATL) Status
ATL status slashes your withholding tax rates on banking, property, vehicles, and imports — often saving more than our fee in the first month.
FBR Audit-Ready Documentation
We maintain organized tax records and documentation for every return filed. If FBR ever asks questions, we represent you and defend every position.
Business Structure Optimization
Often, simply changing your business structure (e.g., from sole prop to small company) can save significant tax. We identify and implement the optimal structure.
Year-Round Advisory — Not Just Filing Season
Good tax planning happens throughout the year, not just in September. We're available year-round for tax decisions on salary restructuring, investments, and property.
Financial Decisions Made Tax-Smart
Before buying property, making an investment, or restructuring salary — PFOC models the tax impact so you make financially optimized decisions.
Expert Representation Before FBR
If you receive an FBR notice, our advocates handle the response, appeals, and representation — with our Supreme Court-level legal team backing you.
Confidentiality & Data Security
Your financial information is handled with complete confidentiality under NDA. We never share client financial data and maintain secure digital records.
FAQ
Frequently Asked Questions About Legal Consultancy
Honest answers to the questions Pakistanis ask most about legal advice.
⚡ Quick Compliance Check
Not sure what your company needs? Message us on WhatsApp with your company name and we'll tell you your current compliance status within 2 hours.
💬 WhatsApp: 0300-000-0000
Who needs to file an income tax return in Pakistan?
Under Pakistan's Income Tax Ordinance 2001, you must file an income tax return if: your annual income exceeds PKR 600,000; you own immovable property; you have a NTN; you've paid advance tax or had WHT deducted; or you want to appear on the ATL (Active Taxpayer List). Filing is not optional once you have taxable income above the threshold — and the benefits of being a filer far outweigh the cost of not filing.
What's the difference between tax planning and tax evasion?
Tax planning is the legal use of deductions, exemptions, allowances, and tax credits available under Pakistan's tax laws to reduce your liability. It is explicitly provided for in the law and is what sophisticated taxpayers do. Tax evasion is hiding income, falsifying records, or failing to file — it is illegal and carries criminal penalties. Everything PFOC does is 100% within the law.
What happens if I miss the September 30 filing deadline?
Missing the deadline triggers an automatic penalty of PKR 40,000 for individuals, OR 0.1% of your taxable income per month — whichever is higher. Beyond the penalty, late filers lose ATL status, which means higher withholding tax rates on ALL financial transactions (banking, property, vehicles). PFOC files well ahead of the deadline to protect you from all of these consequences.
I received an FBR notice — what should I do?
Don't panic — but don't ignore it. FBR notices have strict response deadlines, and ignoring them leads to ex-parte orders against you. Contact PFOC immediately. Our tax consultants and legal advocates will analyze the notice, gather the required documentation, prepare a response, and communicate directly with FBR on your behalf. We handle everything from simple information notices to full audit representations.
As a freelancer earning in USD/EUR, how do I file taxes?
Freelancers earning from foreign sources have specific rules. Under SRO 586 and the IT policy, freelancing income remitted through banking channels was previously zero-rated for income tax — but this has evolved. You need to: get your NTN and register as a sole proprietor; open a Foreign Currency Value Account; declare all foreign remittances; and file annually. PFOC has specific expertise in freelancer tax optimization to ensure you pay the minimum legally required and maintain full compliance.
Can PFOC file returns for previous years I missed?
Yes. We can file returns for up to 5 previous tax years (subject to FBR rules). Filing late returns — even years late — is better than not filing at all. It removes your non-filer status, potentially recovers excess withholding tax paid in those years, and establishes a clean compliance record going forward. We'll assess the penalties applicable and advise on the most efficient way to regularize your tax status.
How does PFOC protect my financial data?
Client confidentiality is non-negotiable at PFOC. All engagements begin with an NDA. Your financial documents are stored securely, accessed only by your assigned consultant. We never share, sell, or disclose client financial information to any third party other than the regulatory authorities required (FBR) as part of the service.
Client Stories
Tell Us Your Tax Situation — We'll Reply With Exact Next Steps
Our Process
How PFOC Gets Your Software House Fully Compliant
A structured onboarding that achieves full compliance across all 4 bodies in as little as 4–6 weeks.
Free Compliance Audit
We audit your current status across PSEB, SECP, FBR, and EOBI — identifying every gap and estimating the financial impact of each.
Free Compliance Audit
We audit your current status across PSEB, SECP, FBR, and EOBI — identifying every gap and estimating the financial impact of each.
Free Compliance Audit
We audit your current status across PSEB, SECP, FBR, and EOBI — identifying every gap and estimating the financial impact of each.
Free Compliance Audit
We audit your current status across PSEB, SECP, FBR, and EOBI — identifying every gap and estimating the financial impact of each.
Free Compliance Audit
We audit your current status across PSEB, SECP, FBR, and EOBI — identifying every gap and estimating the financial impact of each.
4–6 Weeks
To Full Compliance
From onboarding to all registrations active
1–2 Days
To Full Compliance
From onboarding to all registrations active
3–5 Weeks
PSEB Registration
From application to certificate
Get In Touch
Get Your Free Software House Compliance Audit
Tell us about your company. We'll review your current compliance status across PSEB, SECP, FBR, and EOBI — identify every gap — and give you a clear action plan. Free, with no commitment.
WhatsApp (Fastest)
0300-000-0000 — reply within 1 hour
compliance@pfoc.com.pk
Lahore Office
Johar Town, Lahore — in-person by appointment
Free Tax Consultation Request
We respond within 24 hours usually much faster.