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HR & Recruiting
Kredily
India-built HR and payroll platform with a genuinely free-forever tier for unlimited employees, plus PF/ESI/PT/TDS compliance.
Spec sheet
All-in India price
₹1,249/mo
For a registered business
- Free plan
- Available
- Free trial
- Not listed
- Status
- Source checked 12 Nov 2026
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Claim this listingFindThatSoftware verdictEditorial ruling
Shortlist Kredily if you are an Indian SMB that wants statutory payroll and attendance without paying anything until you need bank payouts or challans. Before paying, check how many active employees you will have, since both paid plans add a per employee charge beyond 25, and ask whether your salary bank is ICICI, because other banks get an upload file rather than direct disbursal.
Read the full verdict
Read the terms with HR: InstaCash salary advances are switched on for every employee by default and Kredily messages staff on WhatsApp with offers. Against greytHR or Keka, Kredily is cheaper for small teams and has a real free tier, but it shows less security certification and its higher plans are newer. If you need SSO or formal audits, take Enterprise to a demo and ask for both in writing.
FindThatSoftware has source-checked this listing and keeps 7 public sources visible for buyer verification.
In short
Kredily is listed under HR & Recruiting, reviewed for Indian buyers. It costs about ₹1,249/mo before GST, billed in rupees. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for Indian startups and SMBs wanting free core HR and payroll for unlimited employees; a poor fit for finance teams that want one click salary disbursal from a bank other than ICICI, since other banks only get an advice file to upload.
What Kredily costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
Registered business, per month
₹1,249
Kredily is billed in rupees at ₹1,249/mo, so there is no forex markup. A registered business reclaims GST, so that is roughly the cost (₹14,988/yr). Without reclaim, add 18% for about ₹1,474 a month.
- Sticker price
- ₹1,249/mo
- GST
- 18%, reclaimable if registered
- Registered per month
- ₹1,249
- Registered per year
- ₹14,988
- If you can't reclaim GST
- ₹1,474
- Try first
- Has a free plan, so you can start without a card.
- Watch for
- Plans are billed monthly in rupees with GST added on top, prepaid at the start of each calendar month, with the first month pro rated; no annual plan is listed.
More
Both paid plans charge a flat fee for the first 25 employees and then a per active employee fee, and the attendance add ons are extra per user. If an invoice is not paid within the first seven days you can be dropped to the Free plan, and cancelling needs a month of notice plus a final invoice.
Indicative, not a bill. The exchange rate is a single mid-market reference, not a live feed, and GST-registered businesses may reclaim input credit. Confirm current pricing on the vendor site.
Full India pricing breakdownPaying for more than Kredily? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho Kredily fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is Kredily?
Kredily is a payroll and HR platform run by PeopleProsper Technologies Pvt Ltd, a Bengaluru company. It covers employee records, payroll with PF, ESI, PT and TDS calculation, payslips, attendance, leave and an employee mobile app, all of which stay free for unlimited employees on its Free Forever plan. Paid plans add ICICI Bank salary payouts with advice files for other banks, PF and ESI challans, Form 16, selfie and GPS attendance, expense workflows and reports, and the vendor also sells an AI payroll agent and face recognition attendance. It is delivered as a web app with Android and iOS apps, and the vendor says customer data is hosted in India. The Trust Center states it does not yet hold ISO 27001 or SOC 2, and free accounts are capped at 250 MB of storage with one leave and attendance rule.
What you gain, and what you give up.
The case for
- The Free Forever plan runs payroll, attendance and leave for unlimited employees at no cost, with PF, ESI, PT and TDS calculated on every tier.
- The cheapest paid plan covers the first 25 employees for one flat monthly fee and adds bank salary payouts, PF and ESI challans, Form 12BB and Form 16.
- Kredily is billed in rupees by an Indian company, PeopleProsper Technologies Private Limited, with GST added to the plan price and customer data hosted in India according to the vendor.
The catch
- InstaCash, a credit facility from partner lenders, is switched on by default for all your employees once you use payroll and salary payouts.
- Kredily messages your employees on WhatsApp, SMS and email on behalf of your HR admin, and the stated scope includes offers for financial products and rewards.
- Cancelling needs one month of notice, and an unpaid invoice after the first week of the month can drop you to the Free plan.
- The Trust Center says Kredily does not yet hold ISO 27001 or SOC 2, and SSO availability is not confirmed on any vendor page.
Best for
- Indian startups and SMBs wanting free core HR and payroll for unlimited employees
- Teams needing PF, ESI, PT and TDS compliance with challans and Form 16
- Owners who want to start free and add payouts and attendance controls as they grow
Who should avoid it
- Finance teams that want one click salary disbursal from a bank other than ICICI, since other banks only get an advice file to upload.
- HR teams that do not want a lending product marketed to staff, since InstaCash is enabled for every employee by default under the terms.
- Companies whose security reviews require SSO, ISO 27001 or SOC 2 evidence.
India readiness
How well Kredily fits an Indian business operationally, from the verified pricing and company facts we hold.
- ✓GST invoice
Issues a GST-compliant invoice, so a registered business can reclaim input tax.
- ✓Bills in INR
Priced in rupees, so there is no forex conversion or card markup on top.
- ✓India HQ
India-headquartered, so support, timezone, and context are local.
Compare Kredily
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
How Kredily compares
Against the 8 other HR payroll tools we list, from what we verified on each vendor’s own pages.
Less common among the other HR payroll tools
Recorded for Kredily and for at most a third of the 8 others we list.
- AI copilot
- Analytics and reports
- Document storage
- Multi company support
- Payroll processing
- Performance management
- Recruitment ats
- Employee database
Also in most alternatives
Recorded for at least half of the 8 others, and for Kredily.
- Leave management
- Employee self service
- Mobile app
This compares only the capabilities enough rival tools share for a comparison to mean anything, roughly a quarter of what we verified. The full list is under “What we verified” below, and anything absent from both is something we did not record rather than something the product lacks.
Similar tools to Kredily
Compare practical options in the same category by price, fit, and caveats.
Featured in our buying guides
See how Kredily stacks up against the best options for a specific kind of business.
What we verified about Kredily
Read from Kredily’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
What Kredily does
Features we confirmed35
- Timesheets
- Enterprise FAQ lists timesheets as an available add-on module
- Selfie attendance
- Selfie/GPS attendance starts on the Professional plan
- Recruitment ats
- Recruitment & ATS is listed in the products menu
- Performance management
- Performance is a listed product and an Enterprise add-on module
- Payslip generation
- FAQ lists payslips among Free Forever plan features
- Payroll processing
- Payroll runs on every plan including the free tier
- Multi company support
- Multi-company support is an Enterprise feature and a Professional add-on
- Leave management
- Leave Management is a named product included on the free plan
- Form 16 generation
- Form 16 is listed from Payroll OS upward
- Face recognition attendance
- KredEYE AI face-recognition attendance is a Rs 50/user/month add-on
- Employee self service portal
- ESS portal is included on every plan including free
- Mobile app
- Employee App is a named product and ships on all plans
- Employee database
- Employee database, self-service and mobile app ship on all plans
- Document storage
- Free and Payroll OS cap storage at 250 MB; Professional and Enterprise are unlimited
- Analytics and reports
- Analytics and reports start on the Payroll OS plan
- AI copilot
- AI Co-Pilot is a named product in the menu
- AI payroll agent
- Site banner announces an AI Payroll Agent that runs the month for you
- AI support chat
- Support row lists AI-powered chat, webinars and training on all plans
- Announcements and reminders
- Announcements, reminders and onboarding ship on all plans
- Bank salary payouts
- Salary payout via ICICI Bank and NEFT is a Payroll OS feature
- Continuous gps tracking
- Live Tracking add-on offers continuous GPS at Rs 50 per user per month
- Customisable leave rules
- Free gets 1 rule, Payroll OS 2, Professional and Enterprise unlimited
- Daily wage payroll
- Compare table names daily wages as a supported payroll mode
- Employee KYC and self onboarding
- FAQ lists employee database and KYC plus self-onboarding on Free Forever
- Exit settlements
- Exit settlements and exit management are Enterprise-only features
- Expense workflows
- Expense payouts and approval workflows start on the Professional plan
- Form 12bb generation
- Form 12BB is listed alongside Form 16 from Payroll OS
- Gps attendance
- GPS attendance and penalty rules appear from Professional upward
- Mid month payouts
- Overtime, daily wages and mid-month payouts appear from Payroll OS
- Overtime payroll
- Overtime is listed in the Payroll OS payroll feature row
- Pf ESI challan generation
- PF/ESI challans start on the Payroll OS plan
- Pf ESI pt TDS calculation
- Compare table shows PF, ESI, PT and TDS statutory calculation ticked on all four plans
- Shift rosters
- Enterprise FAQ names rosters among available add-on modules
- Web clock in attendance
- Web clock-in attendance is ticked on every plan including Free Forever
- Zero touch attendance
- Klocky add-on provides zero-touch automated attendance
What people use it for3
- Stay statutorily compliant
- PF, ESI, PT and TDS compliance is the platform's central India promise
- Run payroll
- Free Forever plan runs payroll for unlimited employees at zero rupees
- Track attendance and leave
- Attendance and leave are the free plan's core modules for first-time digitisers
Works with1
- Icici bank
- Named bank integration for NEFT salary payouts, listed in footer trust badges
Terms, compliance and how you buy30
- Self serve signup
- Start Free buttons let a buyer onboard without talking to sales
- No card required
- Pricing states no credit card and no per-seat minimum on the free plan
- Aes 256 encryption
- Footer trust badges state 256-bit AES encryption in transit and at rest
- 25000 plus companies
- Site states 25,000+ companies and 10,00,000+ employees run on Kredily
- Active usage policy on free plan
- Free Forever is footnoted as subject to an active usage policy
- Add ons priced per user
- Klocky, Live Tracking and KredEYE are each Rs 50 per user per month
- Chartered accountant channel
- A dedicated For Chartered Accountants solution page targets CA firms as a channel
- Competitor comparison pages
- Footer publishes Kredily vs Keka, HROne, GreytHR, Pagarbook, Zoho and RazorpayX pages
- Embedded lending to employees
- Marketplace offers Lending and Advances, and InstaCash is on by default per the terms
- Employee insurance marketplace
- Marketplace menu lists Employee Insurance alongside benefits
- Enterprise custom quote
- Enterprise plan shows Custom pricing and routes to a demo booking
- Flat base for 25 employees
- Payroll OS and Professional both cover the first 25 employees in the flat fee
- Free forever unlimited employees
- Free Forever runs payroll, HR, attendance and leave for unlimited employees at Rs 0
- Free HR calculators
- Resources menu offers Free Tools and Calculators
- Headcount band positioning
- Solution pages are split for 100-250 and 250-500 employee companies
- Hinglish marketing copy
- Footer tagline reads 'Ab Payroll hua aasaan!' in Hinglish
- Icici bank only payouts
- Salary payout is stated as ICICI Bank and NEFT, with no other bank named
- India built
- Site positions itself as India-built HRMS; entity is PeopleProsper Technologies Pvt Ltd
- India data residency
- Footer trust badges state India data residency
- Industry specific pages
- Solutions are cut for manufacturing, IT & ITES, healthcare, retail and logistics
- INR billed
- All plan prices are quoted in rupees with GST added on top
- Instacash default enabled
- Cons record InstaCash credit from partner lenders switched on for all employees by default
- Live tracking android only
- Live Tracking add-on is explicitly marked Android only
- Markets financial products to your staff
- Terms allow Kredily to message employees on WhatsApp, SMS and email with financial product offers
- No free trial needed
- The free tier has no time limit, so the product is not sold on a trial clock
- One month cancellation notice
- Cons record cancellation requiring one month notice and a final invoice
- Per extra employee charge
- Beyond 25 heads it is Rs 50 (Payroll OS) or Rs 70 (Professional) per employee per month
- Phone sales support
- Site publishes 080 4709 2710 and promises a payroll specialist call within a business day
- Role based access
- Footer trust badges list role-based access control
- Storage capped on cheaper plans
- 250 MB per company on Free Forever and Payroll OS is a hard document limit
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
- Kredily pricinghttps://kredily.com/pricing/
- Kredily reportshttps://kredily.com/reports/
- Kredilyhttps://kredily.com/
- Kredily about ushttps://kredily.com/about-us/
- Kredily refund and cancellation policyhttps://kredily.com/refund-and-cancellation-policy/
- Kredily terms and conditionshttps://kredily.com/terms-and-conditions/
- Kredily Trust Centerhttps://kredily.com/trust-center/
Verified against the sources above. How we research & rate software →
Kredily questions
Does Kredily give a GST invoice in India?
- Kredily issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is Kredily good for Indian small businesses?
- It suits Indian startups and SMBs wanting free core HR and payroll for unlimited employees. It bills in rupees and issues a GST invoice, so a registered business claims the GST back. It is not the right pick for finance teams that want one click salary disbursal from a bank other than ICICI, since other banks only get an advice file to upload.
Does Kredily have a free plan?
- Kredily lists a free plan, but check the official pricing page for current usage limits before choosing it.
What users say
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