Voice voucher in 6 Indian languages. Camera receipt OCR in 8 seconds. WhatsApp invoicing your customers actually use. MSME §43B(h) tracking with the tax-disallowance ₹ surfaced. From ₹399/month.
No credit card. WhatsApp OTP login. Cancel anytime.
Indian SMEs run on phones and WhatsApp. Tally needs a desktop and F-keys; Zoho needs a laptop and a mouse. OnGravy works the way you already work — speak a voucher, snap a bill, send an invoice on WhatsApp.
Since FY 2024-25, payments to MSME vendors delayed past 45 days get disallowed at 30% income tax. Other tools just colour-code the list. OnGravy shows you the exact rupee exposure per invoice so you can decide what to pay first.
Invite your CA with read or write access. They see only what you authorise. Audit trail intact. No password sharing. No "let me email this to my CA every month".
Eight headline capabilities. See the full 12-section tour after signup.
Speak in Hindi / Marathi / Tamil / Gujarati / Bengali / Punjabi. OnGravy transcribes, classifies type + amount + party + mode, drafts a journal entry in 4 seconds.
Phone-camera or upload. Vision OCR extracts vendor + GSTIN + GST breakup. Draft purchase invoice ready in 8 seconds.
Send tax invoices to customers from the same chat where you talk to them. Payment links + reminders + receipts all on WhatsApp.
Every payable to an MSME vendor tracked against the 45-day deadline. Estimated tax-disallowance ₹ shown so you know your real exposure.
Citation-backed answers to GST / TDS / income tax questions. Skips the 20-minute search through PDFs.
CSV import for HDFC, SBI, ICICI, Axis, Kotak. 4-pass matcher: exact UTR, amount + date, fuzzy narration, partial.
Auto-generates IRN at invoice submit when threshold crossed. Handles B2B, SEZ, exports separately.
F4-F10 voucher hotkeys map exactly to Tally. Trained operators bring muscle memory and keep their speed.
Every binding notification from GSTN, CBIC, CBDT, MCA, RBI, ICAI — issued date, shipped date, days-to-ship. 30-day SLO. Tally and Zoho do not publish this. We make it falsifiable.
17% off on annual billing (effectively 2 months free). No setup fee, no card to start.
Tally is desktop-first, single-user, requires F-key training and lives on your office machine. OnGravy is cloud-first (you reach it from any phone or browser), multi-user real-time, adds voice + camera + WhatsApp as first-class entry methods, and keeps every Tally F-key working so your existing staff do not relearn anything. Same speed for trained operators, dramatically faster for new ones.
Zoho is global software with India support added. OnGravy is India-first — GST + TDS + MSME §43B(h) + AIS + e-invoice depth that gets shipped within 30 days of any binding regulatory notification. Voice voucher in Hindi, WhatsApp-native invoicing, Tally F-key compatibility — none of these exist in Zoho. Pricing also undercuts Zoho on equivalent tiers.
Free under ₹25L turnover. Starter ₹399/month (full GST + TDS, 2 users). Professional ₹999/month (most popular — adds voice, camera, AI tax advisor, 5 users). Premium ₹2,499/month (adds payroll + advanced reports + audit trail, 10 users). No setup fee, no card to start, cancel monthly.
Upload your Tally backup at /dashboard/migration/restore. We parse masters, ledgers, vouchers, opening balances into a sandbox business — your live Tally books are untouched. Review the diff, then cut over when ready. Typical 30-60 minute migration.
Yes — and most CAs will love it because they get cleaner data with audit trails, MSME §43B(h) auto-tracking, and read access to your books from anywhere. You invite your CA from Settings → Team; they sign in with their own credentials and see only what you authorise. Or find a CA on OnGravy's CA marketplace.
For day-to-day entry: not yet. OnGravy is cloud-first and works best with a stable connection. We have a PWA offline cache that lets you read recent data + queue new vouchers when connectivity drops, but the AA bank-feed and live filing flows need internet. For tier-3 towns with patchy connectivity, this is a real consideration — be honest about your network before switching.
Hosted on Supabase Postgres with Row-Level Security — your data is logically isolated, no other business can ever see it. Continuous cloud backup. Full GDPR / DPDP-compliant data export anytime (you download a ZIP of everything you have ever entered). Sentry monitoring, per-IP rate limits, ICAI-aligned audit trails on every change.
No. OnGravy works on any phone, tablet, or laptop browser. The voice voucher and camera receipt flows are explicitly built for phones. We do not have a Mac/Windows installer — everything runs in the browser.
30-day trial. No card. WhatsApp OTP login. Sample data preloaded so you click around with non-empty screens. If it does not save you 5+ hours/week within 30 days, walk away.