SarmayakariGuru provides complete ERP software and professional accounting services designed specifically for small and medium enterprises (SMEs) in Pakistan. From daily bookkeeping and FBR tax filing to cloud inventory management and SECP compliance — we handle all financial complexity so you can focus on growing your business. Plans start from just Rs. 8,000 per month.
Running a small business in Pakistan means wearing many hats — managing daily operations, chasing payments, keeping track of stock, filing FBR returns on time, and staying profitable in a competitive market. Most small business owners do not have the resources to hire a full-time accountant or invest in expensive ERP software — and that is exactly why SarmayakariGuru built affordable SME solutions. SarmayakariGuru combines cloud ERP software, professional bookkeeping, FBR tax filing, and financial advisory into one affordable monthly package — giving Pakistani small businesses access to the same financial management tools used by large corporations, at a fraction of the cost. Our SME packages start from Rs. 8,000 per month with no hidden charges and no long-term contracts. We currently serve 500+ small businesses, retail shops, clinics, freelancers, startups, and service providers across Karachi, Lahore, Islamabad, Faisalabad, Multan, and beyond — making us Pakistan’s most trusted SME financial services provider.
SarmayakariGuru’s SME solutions bundle combines ERP software and professional financial services into one affordable package — eliminating the need to manage multiple vendors for your accounting, tax, and software needs.
Our lightweight, easy-to-use cloud ERP is designed for small businesses with 1 to 50 employees. Manage your inventory, sales, purchases, invoicing, and basic accounting from any device — mobile, tablet, or laptop. No technical knowledge required — our interface is as simple as using WhatsApp. Includes Urdu language support, PKR currency, and FBR tax calculations built in. Setup takes less than 1 week.
Professional daily bookkeeping for your small business — accurate recording of all income, expenses, bank transactions, and supplier payments. Our certified bookkeepers maintain your complete accounts receivable, accounts payable, bank reconciliation, and general ledger — giving you a clear picture of your business finances every day. Monthly financial statements delivered by the 5th of each month.
If your annual turnover exceeds Rs. 10 million, you are required to register for sales tax with FBR. SarmayakariGuru handles your complete sales tax registration (STRN), monthly sales tax return preparation, and submission to FBR and provincial tax authorities (PRA, SRB, KPRA, BRA) — all on time, every month, without you lifting a finger.
Expert FBR income tax return preparation and filing for sole proprietors, small business owners, freelancers, and Associations of Persons (AOPs) across Pakistan. We handle NTN registration, annual income tax returns, wealth statement filing, and ensure your name stays active on the FBR Active Taxpayers List (ATL) — giving you filer benefits including lower withholding tax rates on banking transactions and property.
Automate the most time-consuming tasks in your small business — generating professional invoices, tracking inventory levels across your shop or warehouse, processing monthly payroll for your staff with EOBI deductions, and sending automated payment reminders to customers with outstanding balances. Our business automation tools save Pakistani small business owners an average of 15 hours per week.
Receive monthly profit & loss statements, balance sheets, and cash flow reports — presented in simple, easy-to-understand format. Our financial advisors review your numbers with you every quarter and provide actionable recommendations to improve profitability, reduce unnecessary expenses, and plan for business growth. Think of us as your part-time CFO at an SME-friendly price.
SarmayakariGuru’s SME solutions are used by a wide range of small business types across Pakistan. Whether you run a retail shop, a medical clinic, or a freelance business — we have the right package for you.
Inventory management, daily sales tracking, supplier payment management, and FBR-compliant invoicing for retail shops, general stores, and kiryana stores across Pakistan. Starting from Rs. 8,000/month.
Accounting, invoicing, and FBR compliance for service businesses — consultants, IT firms, marketing agencies, law firms, engineering consultants, and other professional service providers.
Complete startup financial setup — NTN registration, company incorporation with SECP, bank account opening support, bookkeeping from day one, and FBR compliance from the start. Ideal for businesses in their first 1-3 years.
NTN registration, FBR income tax return filing, PSEB registration for tech freelancers, and quarterly financial review for freelancers earning from Upwork, Fiverr, Toptal, or local clients.
Bookkeeping and FBR tax compliance for Daraz sellers, Shopify store owners, and WhatsApp businesses — including COD payment tracking, platform commission reconciliation, and income tax filing.
Patient billing management, medicine inventory tracking, DRAP compliance support, and monthly bookkeeping for small clinics, dental practices, and pharmacy businesses.
Getting started with SarmayakariGuru is completely hassle-free. Most small businesses are fully set up within 1 week. Here is exactly what the process looks like.
Book a free 30-minute consultation via phone or WhatsApp. Our SME specialist will understand your business type, current pain points — whether it is disorganized accounts, missed FBR deadlines, or lack of inventory tracking — and recommend the right package for your specific situation and budget.
We handle your complete financial setup — NTN registration with FBR, sales tax registration if required, cloud ERP configuration, and chart of accounts setup for your specific business type. All document collection is done digitally via WhatsApp — no office visits required.
We migrate your existing financial data — bank statements, sales records, inventory lists, and outstanding invoices — into the new system. Your team receives complete training on the cloud ERP interface via video call or in person. Training takes 2 to 3 hours and covers all daily operations your staff will perform.
From month one, our team handles all your bookkeeping, tax filings, and compliance deadlines. You receive monthly financial statements, FBR filing confirmations, and a brief performance review from your dedicated account manager. You focus on running your business — we handle everything else.
Unlike traditional accounting firms that charge large annual retainer fees or ERP vendors that require Rs. 500,000+ upfront investments, SarmayakariGuru’s SME packages start from just Rs. 8,000 per month — with no setup fees, no long-term contracts, and no hidden charges. Pay month-to-month and cancel anytime.
SarmayakariGuru is a FBR-registered and SECP-verified accounting firm. Our certified accountants are fully qualified to handle your tax filings, financial statements, and corporate compliance — giving your business and lenders the confidence that your accounts are prepared by licensed professionals.
Our cloud ERP is designed for non-technical small business owners — if you can use WhatsApp, you can use our system. The interface is available in both Urdu and English, with large clear buttons, simple navigation, and video tutorial guides for every feature. Our support team is one WhatsApp message away whenever you need help.
Every SarmayakariGuru SME client gets a dedicated account manager who knows your business, your financial history, and your growth goals. Your account manager proactively reminds you of upcoming FBR deadlines, reviews your monthly numbers, and flags any financial issues before they become serious problems.
Whether you are in Karachi, Lahore, Islamabad, Faisalabad, Multan, Sialkot, Quetta, or any other city in Pakistan — SarmayakariGuru serves you. All services are available remotely via WhatsApp, video call, and our digital portal. For clients in major cities, our consultants also visit your business in person when needed.
Helping small businesses take control of their finances and scale sustainably across Pakistan.
Yes. Our Starter Package at Rs. 8,000 per month is specifically designed for small retail shops, sole proprietors, and freelancers. It includes monthly bookkeeping, annual FBR income tax filing, and WhatsApp support — at less than the cost of a part-time employee. We also offer flexible payment terms and annual discounts of 2 free months when you pay yearly.
Not at all. SarmayakariGuru's cloud ERP is designed to be as simple as using a messaging app. It works on any smartphone, tablet, or laptop — no installation required. The interface is available in Urdu and English, with video tutorials for every feature. Our support team trains your staff in 2 to 3 hours and remains available via WhatsApp for any questions.
We handle your complete FBR compliance — from initial NTN registration and FBR IRIS portal enrollment to annual income tax return filing, monthly sales tax returns, and withholding tax statements. We track every FBR deadline and file well in advance — ensuring you stay on the Active Taxpayers List (ATL) and never pay a late filing penalty. Our clients have maintained a 100% FBR compliance rate since we started.
Getting started is simple. For bookkeeping and tax services, you need your CNIC, recent bank statements (last 3 months), any existing financial records, and your business registration documents (if applicable). For NTN registration, we need your CNIC and utility bill. Our team provides a complete document checklist on the first consultation call — and all documents are submitted digitally via WhatsApp.
Yes. SarmayakariGuru handles complete SECP company registration for small businesses wanting to incorporate as a private limited company. We prepare the MOA/AOA, handle CEES digital filing, coordinate with SECP, and deliver your certificate of incorporation — typically within 5 to 7 working days. Company registration is available as a one-time service or included in our Professional Package.
Absolutely. SarmayakariGuru serves small businesses across all of Pakistan — including Islamabad, Rawalpindi, Faisalabad, Multan, Sialkot, Gujranwala, Peshawar, Quetta, Hyderabad, and all other cities. All our services are available fully remotely via WhatsApp, video call, and our secure digital portal. Document submission and report delivery are all handled digitally — no physical visits required.
Join 500+ Pakistani small businesses that have simplified their accounting, stayed 100% FBR compliant, and gained complete financial clarity with SarmayakariGuru. Book your free 30-minute consultation today — our SME specialist will assess your exact needs and recommend the right package for your budget. No commitment required.
