Understanding the Rights and Responsibilities of an Artisanal Mining License Holder
Introduction Artisanal and small-scale mining (ASM) is a significant sector in Zambia, contributing to employment, local economies, and mineral production. To operate legally, artisanal miners must obtain a mining license from the Ministry of Mines and Minerals Development. A mining license provides legal protection and outlines specific rights and responsibilities. Understanding these obligations ensures compliance, […]
Turnover Tax vs. VAT – Which Tax Regime is Right for Your Zambian SME?
Introduction For small and medium enterprises (SMEs) in Zambia, understanding the tax landscape is crucial for legal compliance, financial planning, and business growth. The Zambia Revenue Authority (ZRA) provides two main tax options for SMEs: Turnover Tax (TOT) and Value Added Tax (VAT). Choosing the right tax regime affects your reporting obligations, cash flow, and […]
Calculating and Filing Turnover Tax in Zambia: A Practical Walkthrough
Introduction Turnover Tax (TOT) in Zambia is a simplified tax system designed for small businesses with annual turnover below a certain threshold. Administered by the Zambia Revenue Authority (ZRA), Turnover Tax allows small businesses to remain tax-compliant without complex accounting requirements. This guide provides a practical walkthrough on calculating and filing Turnover Tax in Zambia, […]
The State of the Zambian Real Estate Market: Trends and Opportunities for 2025
1. Overview of the Zambian Real Estate Market in 2025 As Zambia’s economy continues to stabilize, the real estate sector is entering a dynamic phase in 2025. Key drivers include major infrastructure investments, urbanization, and a growing middle class. The Zambian real estate market is expected to maintain steady growth, particularly in the residential sector. […]
How to Start a Real Estate Business in Zambia: A Guide for Agents and Investors
Introduction The real estate sector in Zambia is growing rapidly, offering lucrative opportunities for agents and investors. Whether your goal is to manage rental properties, sell residential or commercial real estate, or invest in property development, understanding the legal requirements, market trends, and best business practices is crucial. This guide provides a step-by-step roadmap for […]
Maintaining Tax Compliance to Ensure Easy Renewal of Your ZRA TCC
Introduction For businesses operating in Zambia, a valid ZRA Tax Clearance Certificate (TCC) is crucial for participating in tenders, securing contracts, and maintaining credibility. The TCC is only issued to businesses that are fully compliant with Zambia Revenue Authority (ZRA) tax obligations. Maintaining compliance not only ensures smooth renewal of your certificate but also protects […]
The Importance of the ZRA Tax Clearance Certificate for Tenders and Contracts
Introduction In Zambia, the ZRA Tax Clearance Certificate (TCC) is an essential document for businesses seeking to participate in tenders and secure contracts. Issued by the Zambia Revenue Authority (ZRA), the certificate confirms that a company is tax-compliant and up-to-date with its obligations. For businesses, having a valid TCC is not just a legal requirement—it […]
The Complete A-to-Z Guide for Company Registration in Zambia with PACRA
Introduction Starting a business in Zambia requires proper legal registration to operate lawfully. The Patents and Companies Registration Agency (PACRA) is the government body responsible for company registration and regulation. Registering your company ensures compliance with Zambian law, protects your business name, and allows you to operate formally, apply for loans, or bid for government […]
How to Calculate Your Monthly PAYE Using the New 2025 Tax Bands
Introduction The Zambia Revenue Authority (ZRA) has updated the PAYE (Pay-As-You-Earn) tax bands for 2025. PAYE is the income tax deducted from an employee’s salary every month before they receive their net pay. Correctly calculating monthly PAYE ensures compliance, avoids penalties, and helps employees understand their take-home pay. This guide provides a step-by-step method for […]
ZRA PAYE Tax Bands for 2025: Updated Rates and How They Affect Your Salary
Introduction The Zambia Revenue Authority (ZRA) has updated the PAYE (Pay-As-You-Earn) tax bands for 2025. These tax bands determine how much income tax is deducted from an employee’s monthly or annual salary. Whether you are an employee who wants to understand your take-home pay, or an employer responsible for payroll compliance, staying updated with the […]