Kredily vs factoHR: The Honest 2026 Comparison
Pricing, payroll, compliance and features — compared fairly, so you can choose confidently.
Kredily is best if you want free-forever payroll and HRMS for any team size, with no employee cap on the free plan and AI built in. factoHR is a genuine India mid-market rival with its own transparent pricing and a capped free tier (up to 20 employees, basic features only) — a real, publicly-priced alternative to sales-quote HR software. If you want a completely free plan with no employee ceiling and built-in AI automation, choose Kredily; if you're already comparing published-price India HRMS platforms and factoHR's specific module set or ₹4,999+/mo tiers fit your needs, factoHR is a legitimate option to evaluate.
How Kredily and factoHR compare
Key differences, side by side. Verify current pricing on each vendor's website before making a decision.
| Kredily | factoHR | |
|---|---|---|
| Free plan | ✅ Free forever, unlimited employees, no cap | ✅ Free tier, but capped at 20 employees & basic features only |
| Entry pricing | Free; Payroll OS ₹1,249/mo, Professional ₹1,749/mo (₹50–70/emp beyond 25) | Core ₹4,999/mo (up to 50 emp, +₹69/emp beyond), billed quarterly |
| Free plan payroll processing | ✅ Full payroll included free | ❌ Free tier limited to employee data/letters — no full payroll processing |
| Billing commitment | Monthly, no lock-in on free plan | Quarterly billing on paid plans |
| Indian compliance (PF/ESI/PT/TDS) | ✅ Built in | ✅ Built in — a genuine factoHR strength |
| AI assistant | ✅ AI co-pilot, KredEYE face recognition, Magic Upload | Attendance/payroll automation, limited AI-copilot features |
| Pricing transparency | ✅ Published plans | ✅ Published plans — a genuine factoHR strength |
| Best for | Any size India SMB wanting a true free plan + AI | India SMBs comfortable with per-employee paid tiers early |
Competitor pricing figures from factoHR's published plans page as of July 2026 — verify on factohr.com before deciding.
What does it actually cost?
Kredily starts free forever for unlimited employees with no minimum, and paid tiers (Payroll OS ₹1,249/mo, Professional ₹1,749/mo, Enterprise custom) add automation and advanced compliance as you scale. factoHR, as of July 2026, publishes its own transparent India pricing: a free plan capped at 20 employees with basic features (no full payroll processing), then Core at ₹4,999/mo for up to 50 employees (+₹69/employee/month beyond that), Premium at ₹5,999/mo (+₹89/employee/month), and Ultimate at ₹6,999/mo (+₹119/employee/month), billed quarterly. factoHR deserves credit for publishing real numbers — something many Indian HR platforms don't do. For a team past 20 employees needing full payroll processing, model factoHR's quarterly-billed per-employee cost against Kredily's free-forever plan. Always verify current pricing at factohr.com/plans.
An honest assessment
factoHR's strengths are real
factoHR is a genuine India mid-market rival: it publishes transparent, specific pricing (rare in this category), holds strong review scores (G2 4.9, Capterra 5 as of July 2026), and has a solid reputation for statutory payroll and attendance automation. Its own free tier — capped at 20 employees with basic features — is an honest acknowledgment that most real usage sits in its paid tiers. If factoHR's specific module set or its per-employee pricing model fits your evaluation, it's a credible option. This honest assessment is deliberate — it's what makes the comparison trustworthy and citable, rather than just a marketing page.
The Kredily advantage
No employee cap, ever, on free
Kredily's free plan has no 20-employee ceiling — it's free forever for unlimited employees, with full payroll included.
Full payroll on the free plan
PF, ESI, PT, TDS, ECR, Form 16 — all included free. factoHR's free tier doesn't process full payroll.
AI co-pilot & KredEYE
The Payroll Agent, AI co-pilot and KredEYE face recognition are built in — not limited to top-tier plans.
No quarterly lock-in
Kredily's paid plans bill monthly. factoHR's paid tiers require quarterly billing commitments.
Choose based on your situation
You want a real free plan with no ceiling
- You want free, full payroll processing from day one
- You don't want an employee cap forcing an early upgrade
- You need strong Indian compliance built in
- AI automation matters (Payroll Agent, KredEYE)
- You prefer monthly billing with no lock-in
You've already compared published-price India HRMS
- You're past 20 employees and ready for a paid per-employee plan
- factoHR's specific attendance/payroll modules fit your workflow
- You're comfortable with quarterly billing
- You've reviewed factoHR's published tiers against your headcount
Migration is simpler than you think
Most teams switch in a weekend. Here's how.
Export your data
Download employee records, salary structures and historical payslips from factoHR.
Import to Kredily
Magic Upload reads your spreadsheet and auto-maps employees, salary heads and statutory configurations.
Map leave & attendance policies
Recreate your leave types, accrual rules and attendance policies — the AI Setup Wizard guides you through.
Run parallel, then go live
Run one parallel payroll cycle for confidence, then cut over. Our team supports you through it.
The AI stack you get with Kredily
Whichever way the feature tables lean, this layer comes standard with Kredily — not as a paid add-on.
Payroll Agent, auto-run
The AI Payroll Agent runs the monthly cycle on its own — salaries, LOP, arrears and statutory checks — and hands you a reviewed run to approve.
AI Copilot, 110+ skills
AI Copilot answers and acts across 110+ HR, payroll and leave skills in plain English — role-gated to each user’s permissions, with human approval on anything irreversible.
Workforce Intelligence
Workforce Intelligence turns your HR and payroll data into explainable, early-warning insights — headcount, cost, attrition and flight risk, with the drivers behind each.
Kredily vs factoHR — questions answered
Is Kredily really free?
Does factoHR have a free plan?
Is Kredily a good factoHR alternative?
Do both Kredily and factoHR handle Indian compliance (PF, ESI, TDS)?
Can I migrate from factoHR to Kredily?
Explore Kredily
Start free. No employee cap.
Free payroll for unlimited employees. PF, ESI & TDS handled. AI co-pilot included. No credit card needed.