How OnGravy stacks up

Honest comparison. We only list features we've verified — if a competitor matches us, we say so. OnGravy bets on three things Tally / Zoho / QuickBooks / Xero don't: cloud + AI + India-first compliance depth.

Feature	OnGravy	Tally Prime	Zoho Books	QuickBooks	Xero
Starting price (per month)	₹799	₹630 (Silver perpetual)	₹749	₹1,250	₹2,150 (USD 26)
Cloud-native	✓	Add-on (Tally Cloud)	✓	✓	✓
Offline-first PWA	✓	Desktop-only	—	—	—
F-keys (Tally muscle memory)	✓	✓	—	—	—
GSTR-1 auto-draft	✓	Manual export	✓	Limited	Limited
GSTR-3B auto-draft	✓	Manual export	✓	Limited	Limited
GSTR-9 + 9C builder	✓	✓	Partial	—	—
ITC vs 2A/2B reconciler	✓	CSV upload only	Partial	—	—
e-invoice IRN (NIC IRP)	✓	Add-on	✓	—	—
e-way bill generator	✓	✓	Partial	—	—
TDS auto-applier (10 sections)	✓	Manual	Partial	—	—
MSME 43B(h) tracker	✓	—	—	—	—
Audit-trail hash chain (Rule 11g)	SHA-256 + Bitcoin anchor	Basic edit log	Basic	Basic	Basic
AI Autopilot voucher approval	✓	—	—	Limited	—
AI Smart Inbox (PDF bill parser)	✓	—	Partial	Partial	Partial
AI Tutor (Q&A)	✓	—	—	—	—
AI Tax-notice analyser	✓	—	—	—	—
Trade Graph + chain-default risk	✓	—	—	—	—
BYO-LLM (your own API key)	✓	—	—	—	—
DPDP Act 2023 rights centre	✓	—	Partial	—	—
Carbon footprint tracking	✓	—	—	—	—
Trust network / CA social	✓	—	—	—	—
Multi-user collaboration	✓	Server licence	✓	✓	✓
Mobile PWA (Android+iOS)	✓	—	✓	✓	✓
Indian-language PDF print	9 scripts	Limited	Limited	—	—
Dot-matrix register print	✓	✓	—	—	—
Tally migration wizard	✓	N/A	Partial	Partial	—
Indian data residency	ap-south-1	Self-hosted	India DC	US/EU	AU/NZ

How we verified. Tally Prime — vendor product pages + GSTHero teardowns. Zoho Books — public docs + free-trial walkthrough. QuickBooks Online India — Intuit help centre. Xero — Xero Central docs. Prices in INR are list prices as of May 2026; volume / annual discounts apply on all. Last reviewed: 2026-05-17.

Try the only one that's cloud + AI + Indian-compliance-first

Pick a plan from ₹799/mo. Login OTP arrives on WhatsApp after payment.

See plans →