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.

FeatureOnGravyTally PrimeZoho BooksQuickBooksXero
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✓LimitedLimited
GSTR-3B auto-draft✓Manual export✓LimitedLimited
GSTR-9 + 9C builder✓✓Partial——
ITC vs 2A/2B reconciler✓CSV upload onlyPartial——
e-invoice IRN (NIC IRP)✓Add-on✓——
e-way bill generator✓✓Partial——
TDS auto-applier (10 sections)✓ManualPartial——
MSME 43B(h) tracker✓————
Audit-trail hash chain (Rule 11g)SHA-256 + Bitcoin anchorBasic edit logBasicBasicBasic
AI Autopilot voucher approval✓——Limited—
AI Smart Inbox (PDF bill parser)✓—PartialPartialPartial
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 print9 scriptsLimitedLimited——
Dot-matrix register print✓✓———
Tally migration wizard✓N/APartialPartial—
Indian data residencyap-south-1Self-hostedIndia DCUS/EUAU/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.

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