Dawood Saif & Co. Chartered Accountants - DS

Dawood Saif & Co. Chartered Accountants - DS We provide audit & assurance, taxation, corporate & Secretarial, financial advisory, risk advisory a

๐Ÿ“Š Federal Budget 2026-27 โ€“ Budget BriefWe are pleased to share our Budget Brief covering the key proposals introduced th...
16/06/2026

๐Ÿ“Š Federal Budget 2026-27 โ€“ Budget Brief

We are pleased to share our Budget Brief covering the key proposals introduced through the Finance Bill, 2026, together with a snapshot of the economic outlook and budgetary measures for FY 2026-27.

The publication provides a practical overview of the proposed changes and their potential implications for taxpayers and businesses.

You can view and download the Budget Brief through following link

https://www.linkedin.com/feed/update/urn:li:activity:7472574680755986433

๐Ÿ“ข Budget 2026-27 โ€“ Key Tax Relief Measures at a GlanceThe Federal Budget 2026-27 introduces several important tax relief...
13/06/2026

๐Ÿ“ข Budget 2026-27 โ€“ Key Tax Relief Measures at a Glance

The Federal Budget 2026-27 introduces several important tax relief measures and reforms aimed at reducing the tax burden on individuals, supporting businesses, and enhancing the efficiency of the tax administration system.

Key highlights include:
โœ” Reduction in tax rates for salaried individuals
โœ” Abolition of surcharge on certain salaried taxpayers
โœ” Withdrawal/reduction of Super Tax in specific cases
โœ” Relief on foreign transaction taxes
โœ” Abolition of Capital Value Tax (CVT)
โœ” Reforms in sales tax and assessment procedures

At Dawood Saif & Co., we have summarized the major developments to help taxpayers and businesses quickly understand the changes and assess their impact.

For professional advice on how these amendments may affect your tax affairs or business operations, feel free to contact our tax advisory team.

๐Ÿ“ง [email protected]
๐ŸŒ www.dawoodsaif.com

-27

๐Ÿ“Œ ๐†๐ฅ๐จ๐›๐š๐ฅ ๐ž๐ฏ๐ž๐ง๐ญ๐ฌ ๐š๐ซ๐ž ๐š๐Ÿ๐Ÿ๐ž๐œ๐ญ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ โ€” ๐ž๐ฏ๐ž๐ง ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐๐จ๐งโ€™๐ญ ๐ฌ๐ž๐ž ๐ข๐ญ ๐ฒ๐ž๐ญ.Prices are rising.Supplies are delayed.Marke...
13/04/2026

๐Ÿ“Œ ๐†๐ฅ๐จ๐›๐š๐ฅ ๐ž๐ฏ๐ž๐ง๐ญ๐ฌ ๐š๐ซ๐ž ๐š๐Ÿ๐Ÿ๐ž๐œ๐ญ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ โ€” ๐ž๐ฏ๐ž๐ง ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐๐จ๐งโ€™๐ญ ๐ฌ๐ž๐ž ๐ข๐ญ ๐ฒ๐ž๐ญ.

Prices are rising.
Supplies are delayed.
Markets are unstable.

Thatโ€™s the ripple effect of global conflict.

But hereโ€™s the difference:

Some businesses react late.
Others prepare early.

3 ๐ญ๐ก๐ข๐ง๐ ๐ฌ ๐ญ๐จ ๐Ÿ๐จ๐œ๐ฎ๐ฌ ๐จ๐ง ๐ซ๐ข๐ ๐ก๐ญ ๐ง๐จ๐ฐ:
โœ” Track your cash flow closely
โœ” Donโ€™t rely on one supplier
โœ” Stay updated with financial changes

Uncertain times donโ€™t destroy businesses โ€”
๐ฎ๐ง๐ฉ๐ซ๐ž๐ฉ๐š๐ซ๐ž๐ ๐จ๐ง๐ž๐ฌ ๐๐จ.

๐Ÿ“ Save this for later.

On ๐ˆ๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐–๐จ๐ฆ๐ž๐งโ€™๐ฌ ๐ƒ๐š๐ฒ, we celebrate the strength, leadership, and achievements of women who continue to shape str...
08/03/2026

On ๐ˆ๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐–๐จ๐ฆ๐ž๐งโ€™๐ฌ ๐ƒ๐š๐ฒ, we celebrate the strength, leadership, and achievements of women who continue to shape stronger organizations and communities. Their dedication, vision, and resilience inspire progress and create meaningful impact across every field.

Today, we recognize the importance of inclusive leadership and equal opportunitiesโ€”because when talent is empowered, everyone moves forward. โœจ

๐Ÿ“Œ ๐Ž๐ฎ๐ซ ๐–๐ž๐›๐ฌ๐ข๐ญ๐ž ๐ˆ๐ฌ ๐๐จ๐ฐ ๐‹๐ข๐ฏ๐ž!Weโ€™re proud to announce the official launch of our new website.Built with clarity, purpose, an...
23/02/2026

๐Ÿ“Œ ๐Ž๐ฎ๐ซ ๐–๐ž๐›๐ฌ๐ข๐ญ๐ž ๐ˆ๐ฌ ๐๐จ๐ฐ ๐‹๐ข๐ฏ๐ž!

Weโ€™re proud to announce the official launch of our new website.

Built with clarity, purpose, and performance in mind, our new platform reflects who we are and where weโ€™re headed. Itโ€™s more than just a redesign โ€” itโ€™s a refined digital experience designed to better serve our clients, partners, and community.

Whatโ€™s New?
โœ”๏ธ A modern, streamlined design
โœ”๏ธ Clear insights into our services and expertise
โœ”๏ธ Improved navigation for a seamless user experience
โœ”๏ธ Mobile-optimized performance
โœ”๏ธ Faster access to the information you need

Our website represents our commitment to growth, transparency, and continuous improvement. As we evolve, so does the way we connect and communicate.

๐Ÿ”— https://www.dawoodsaif.com/
Visit us today and explore the new experience.
We look forward to welcoming you online.

๐‘๐š๐ฆ๐š๐๐š๐ง ๐Œ๐ฎ๐›๐š๐ซ๐š๐ค ๐ŸŒ™As this blessed month begins, may it bring renewed sincerity, patience, and gratitude into our hearts, ...
19/02/2026

๐‘๐š๐ฆ๐š๐๐š๐ง ๐Œ๐ฎ๐›๐š๐ซ๐š๐ค ๐ŸŒ™

As this blessed month begins, may it bring renewed sincerity, patience, and gratitude into our hearts, guiding us closer to purpose in both faith and daily life.

May our fasts strengthen discipline, our prayers bring peace, and our duas open doors to mercy and growth. May our efforts be accepted, our shortcomings forgiven, and our journey enriched with lasting taqwa.

May this Ramadan also bring barakah in our work, strengthen professionalism, and inspire us to serve our teams, clients, and communities with integrity, compassion, and excellence.


๐Ÿ“Œ ๐‹๐ž๐š๐๐ž๐ซ๐ฌ๐ก๐ข๐ฉ ๐œ๐จ๐ง๐Ÿ๐ข๐๐ž๐ง๐œ๐ž ๐ข๐ฌ๐งโ€™๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐›๐ฎ๐ข๐ฅ๐ญ ๐จ๐ง ๐ฏ๐ข๐ฌ๐ข๐จ๐ง ๐š๐ง๐ ๐ž๐ฑ๐ฉ๐ž๐ซ๐ข๐ž๐ง๐œ๐žโ€”๐ข๐ญ ๐ข๐ฌ ๐๐ž๐ž๐ฉ๐ฅ๐ฒ ๐ข๐ง๐Ÿ๐ฅ๐ฎ๐ž๐ง๐œ๐ž๐ ๐›๐ฒ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ.When fin...
28/01/2026

๐Ÿ“Œ ๐‹๐ž๐š๐๐ž๐ซ๐ฌ๐ก๐ข๐ฉ ๐œ๐จ๐ง๐Ÿ๐ข๐๐ž๐ง๐œ๐ž ๐ข๐ฌ๐งโ€™๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐›๐ฎ๐ข๐ฅ๐ญ ๐จ๐ง ๐ฏ๐ข๐ฌ๐ข๐จ๐ง ๐š๐ง๐ ๐ž๐ฑ๐ฉ๐ž๐ซ๐ข๐ž๐ง๐œ๐žโ€”๐ข๐ญ ๐ข๐ฌ ๐๐ž๐ž๐ฉ๐ฅ๐ฒ ๐ข๐ง๐Ÿ๐ฅ๐ฎ๐ž๐ง๐œ๐ž๐ ๐›๐ฒ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ.

When financial outcomes are uncertain, leaders are forced to operate in a constant state of mental strain. Decisions feel heavier, risks feel amplified, and confidence quietly erodes. Over time, this pressure affects not just the leaderโ€”but the entire organization.

Hereโ€™s how financial uncertainty ๐ข๐ฆ๐ฉ๐š๐œ๐ญ๐ฌ leadership confidence:

โ€ข ๐ƒ๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง ๐…๐š๐ญ๐ข๐ ๐ฎ๐ž โ€“ Leaders hesitate when outcomes are unclear, slowing momentum.
โ€ข ๐‘๐ž๐๐ฎ๐œ๐ž๐ ๐‘๐ข๐ฌ๐ค ๐€๐ฉ๐ฉ๐ž๐ญ๐ข๐ญ๐ž โ€“ Innovation suffers when survival feels uncertain.
โ€ข ๐„๐ฆ๐จ๐ญ๐ข๐จ๐ง๐š๐ฅ ๐’๐ฉ๐ข๐ฅ๐ฅ๐จ๐ฏ๐ž๐ซ โ€“ Stress at the top filters down to teams.
โ€ข ๐’๐ก๐จ๐ซ๐ญ-๐“๐ž๐ซ๐ฆ ๐“๐ก๐ข๐ง๐ค๐ข๐ง๐  โ€“ Leaders focus on immediate stability instead of long-term growth.
โ€ข ๐’๐ž๐ฅ๐Ÿ-๐ƒ๐จ๐ฎ๐›๐ญ โ€“ Even capable leaders begin questioning their judgment.

Financial wellness is leadership wellness.

๐–๐ก๐ž๐ง ๐ฅ๐ž๐š๐๐ž๐ซ๐ฌ ๐ก๐š๐ฏ๐ž ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ, ๐ญ๐ก๐ž๐ฒ ๐ฅ๐ž๐š๐ ๐ฐ๐ข๐ญ๐ก ๐œ๐š๐ฅ๐ฆ, ๐œ๐จ๐ง๐Ÿ๐ข๐๐ž๐ง๐œ๐ž, ๐š๐ง๐ ๐œ๐จ๐ง๐ฌ๐ข๐ฌ๐ญ๐ž๐ง๐œ๐ฒโ€”๐š๐ง๐ ๐ญ๐ž๐š๐ฆ๐ฌ ๐Ÿ๐ž๐ž๐ฅ ๐ข๐ญ ๐ข๐ฆ๐ฆ๐ž๐๐ข๐š๐ญ๐ž๐ฅ๐ฒ.

๐…๐ข๐ง๐š๐ง๐œ๐ž ๐Œ๐ฒ๐ญ๐ก ๐…๐ซ๐ข๐๐š๐ฒ ๐Ÿšซ๐Œ๐ฒ๐ญ๐ก: โ€œCompliance reviews are only for large corporations.โ€A growing SME recently went through its ...
23/01/2026

๐…๐ข๐ง๐š๐ง๐œ๐ž ๐Œ๐ฒ๐ญ๐ก ๐…๐ซ๐ข๐๐š๐ฒ ๐Ÿšซ

๐Œ๐ฒ๐ญ๐ก: โ€œCompliance reviews are only for large corporations.โ€

A growing SME recently went through its first formal compliance reviewโ€”expecting a checklist exercise and a clean sign-off. What it uncovered was far more valuable.

The review revealed that while revenues had grown steadily, internal controls had not ๐ ๐ซ๐จ๐ฐ๐ง ๐š๐ญ ๐ญ๐ก๐ž ๐ฌ๐š๐ฆ๐ž ๐ฉ๐š๐œ๐ž. Documentation was informal, approvals were based on trust rather than structure, and several statutory requirements were being met, but inconsistently.

The biggest learning?
๐‚๐จ๐ฆ๐ฉ๐ฅ๐ข๐š๐ง๐œ๐ž ๐ข๐ฌ ๐ง๐จ๐ญ ๐š๐›๐จ๐ฎ๐ญ ๐š๐ฏ๐จ๐ข๐๐ข๐ง๐  ๐ฉ๐ž๐ง๐š๐ฅ๐ญ๐ข๐ž๐ฌ; ๐ข๐ญ ๐ข๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐ง๐  ๐ ๐ซ๐จ๐ฐ๐ญ๐ก.

The SME realized that:
Informal processes that โ€œworked so farโ€ were now operational risks.
Delayed filings, even if unintentional, weakened credibility with banks and partners.
Weak documentation reduced decision clarity for management.
Compliance gaps silently increased financial and reputational exposure.

Post-review, the company implemented simple controls, clearer documentation, and periodic internal checks. The result was not just better complianceโ€”but stronger financial discipline, improved investor confidence, and smoother scalability.

๐‘๐ž๐š๐ฅ๐ข๐ญ๐ฒ ๐‚๐ก๐ž๐œ๐ค:
Compliance reviews do not slow SMEs down.
They prevent small issues from becoming expensive obstacles later.

๐Ÿ“Œ ๐“๐š๐ฑ ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒy | The Mental Cost of Always โ€œ๐˜‰๐˜ฆ๐˜ช๐˜ฏ๐˜จ ๐˜ฐ๐˜ฏ ๐˜Š๐˜ข๐˜ญ๐˜ญโ€For many business owners, being โ€œon callโ€ isnโ€™t a choiceโ€”i...
20/01/2026

๐Ÿ“Œ ๐“๐š๐ฑ ๐“๐ข๐ฉ ๐“๐ฎ๐ž๐ฌ๐๐š๐ฒy | The Mental Cost of Always โ€œ๐˜‰๐˜ฆ๐˜ช๐˜ฏ๐˜จ ๐˜ฐ๐˜ฏ ๐˜Š๐˜ข๐˜ญ๐˜ญโ€

For many business owners, being โ€œon callโ€ isnโ€™t a choiceโ€”itโ€™s a habit. Late-night messages, weekend follow-ups, and the pressure to respond immediately start to feel normal. But over time, this constant availability quietly drains something far more valuable than hours: ๐ฆ๐ž๐ง๐ญ๐š๐ฅ ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ.

Burnout doesnโ€™t arrive overnight. It shows up in slower decisions, reduced focus, strained relationships, and missed opportunities. And hereโ€™s the uncomfortable truthโ€”when your mind is exhausted, your business feels it too. Mental fatigue is not just personal; ๐ข๐ญ ๐ข๐ฌ ๐จ๐ฉ๐ž๐ซ๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐ซ๐ข๐ฌ๐ค.

Hereโ€™s the often-overlooked tax perspective:
Investments in ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ฌ๐ฒ๐ฌ๐ญ๐ž๐ฆ๐ฌ, ๐š๐ฎ๐ญ๐จ๐ฆ๐š๐ญ๐ข๐จ๐ง ๐ญ๐จ๐จ๐ฅ๐ฌ, ๐ฉ๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐š๐ฅ ๐š๐๐ฏ๐ข๐ฌ๐จ๐ซ๐ฌ, ๐จ๐ฎ๐ญ๐ฌ๐จ๐ฎ๐ซ๐œ๐ž๐ ๐ฌ๐ž๐ซ๐ฏ๐ข๐œ๐ž๐ฌ, ๐š๐ง๐ ๐จ๐ฉ๐ž๐ซ๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐ฌ๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ are not indulgences. When they help reduce dependency on you and improve business efficiency, they may qualify as legitimate business expenses.

โœ Smart business owners donโ€™t try to do everything themselves. They build structures that allow the business to run, even when they step away.

Because sustainable growth doesnโ€™t come from being available 24/7.
๐ˆ๐ญ ๐œ๐จ๐ฆ๐ž๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐ฉ๐ซ๐จ๐ญ๐ž๐œ๐ญ๐ข๐ง๐  ๐ญ๐ก๐ž ๐ฆ๐ข๐ง๐ ๐ญ๐ก๐š๐ญ ๐ฆ๐š๐ค๐ž๐ฌ ๐ญ๐ก๐ž ๐๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง๐ฌ.

๐Œ๐จ๐ง๐ž๐ฒ ๐‹๐ž๐š๐ค ๐Œ๐จ๐ง๐๐š๐ฒMost people think money leaks come from big expenses.In reality, the biggest leak is paying extra for c...
19/01/2026

๐Œ๐จ๐ง๐ž๐ฒ ๐‹๐ž๐š๐ค ๐Œ๐จ๐ง๐๐š๐ฒ

Most people think money leaks come from big expenses.
In reality, the biggest leak is paying extra for convenience without noticing.

Examples:
โ€ข Express delivery instead of planned purchases
โ€ข Food delivery when groceries are already at home
โ€ข Premium subscriptions used โ€œjust in caseโ€
โ€ข Paying extra to save 10 minutes

Individually, these feel harmless.
Combined, they quietly drain a significant portion of your monthly income.

๐‘๐ž๐š๐ฅ๐ข๐ญ๐ฒ ๐œ๐ก๐ž๐œ๐ค:
Convenience is not free โ€” it is silently financed by your future savings.

๐’๐ฆ๐š๐ซ๐ญ ๐Ÿ๐ข๐ฑ:
Plan once, save repeatedly.
Reserve convenience for emergencies, not habits.

Save this post.
Review your last monthโ€™s spending.
Your money leak is already there.

Address

Karachi

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00

Telephone

+923456031865

Website

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