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Facto Lite vs Kredily: Free HRMS or a Paid One?

By Rohan Jain, Co-founder and CEO, FactoChecked against the product on

Why pay for Facto Lite when Kredily has a free plan?

If attendance, leave and payroll are all you need, Kredily’s free plan may be enough, and it covers PF, ESI, PT and TDS. Facto Lite is worth paying for when you also want tasks, recurring checklists and sales follow-ups with the HR, in one app for a team under 100.

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Side by side

Facto Lite and Kredily, row by row.

The marker says which side is better at each row. Where Kredily wins, it says so.

  • Price for HR and payroll

    Kredily
    Kredily
    A free plan covering payroll, HR, attendance and leave, for unlimited employees
    Facto Lite
    A flat price per band of up to 10, 50 or 100 users, not per employee. HR & Payroll is ₹2,499 a month for up to 10 and ₹4,999 for up to 50. No free plan

  • Statutory coverage

    Kredily
    Kredily
    PF, ESI, professional tax by state and TDS, on the free plan too
    Facto Lite
    PF, ESI and TDS worked out for every employee, and professional tax for Karnataka, Maharashtra and Tamil Nadu only

  • Returns and challans

    Kredily
    Kredily
    PF ECR, challans, the quarterly TDS return and Form 16 in ready-to-file formats
    Facto Lite
    Shows what each month owes and flags anything overdue. You pay the challans and file the returns yourself

  • Attendance

    Kredily
    Kredily
    Several ways to check in: web, GPS, selfie, geo-fence and face check-in
    Facto Lite
    Phone check-in with GPS, and a selfie if you require one, or a biometric reader. One method per company, set up by us

  • Leave

    Kredily
    Kredily
    Accruals, carry-forward, sandwich rules and state holiday calendars
    Facto Lite
    Applied for on the phone and approved by the right person. Unpaid leave reaches payroll by itself. No sandwich rule

  • Tasks and checklists

    Facto Lite
    Kredily
    Not listed on their site
    Facto Lite
    Tasks with an owner, due date and reminders, and recurring checklists with photo steps

  • Sales follow-ups

    Facto Lite
    Kredily
    Not listed on their site
    Facto Lite
    Leads with an owner, scheduled follow-ups with reminders, and quotations
The bill

What you pay for, and how it grows.

Facto Lite’s own prices, as published on the pricing page. For Kredily, only how the cost behaves: their prices are theirs to state.

How it is charged

Facto Lite: A flat price per band of up to 10, 50 or 100 users, not per employee. HR & Payroll is ₹2,499 a month for up to 10 and ₹4,999 for up to 50

Kredily: A free plan. Paid plans are a flat fee up to 25 employees, then per employee

What paying adds

Facto Lite: Tasks from ₹1,499 and CRM from ₹2,999 a month, in the same app and the same login

Kredily: Salary payouts, challan and Form 16 generation, advanced attendance rules and expenses

Trying it first

Facto Lite: Every module free for 60 days, with no card

Kredily: The free plan has no time limit, subject to their active-usage policy

See every price

Which one fits

Each is the better buy, somewhere.

Stay with Kredily if

  • HR and payroll are all you need, and budget is tight
  • You want a sandwich rule in your leave policy
  • You pay professional tax in a state Facto Lite doesn’t cover
  • You want challans and Form 16 generated for you

Choose Facto Lite if

  • You want tasks, recurring checklists and sales follow-ups in the same app as HR
  • The owner wants one place to see who is in, what is overdue and which leads need a call
  • You have under 100 people and want one flat price per band
  • Your professional tax is in Karnataka, Maharashtra or Tamil Nadu, or you have none

Let's start with the part most comparison pages leave out. Kredily's site says it's free forever for unlimited employees, with payroll, HR, attendance and leave, and PF, ESI, professional tax and TDS worked out every cycle. That's a real free plan, subject to their active-usage policy, and for a lot of small businesses it will be enough.

So this page isn't going to argue that Facto Lite does payroll better for the money. It's about when paying for something else makes sense.

A Kredily alternative, and when you'd need one

You'd look past Kredily when the problem isn't HR. Kredily's site lists payroll, attendance, leave, expenses and salary advances; it doesn't list tasks, checklists or a sales CRM. Facto Lite has all three in the same app as HR. If your day is spent chasing who was meant to do what, or which lead nobody called back, that's the gap.

Free HRMS in India: what the payroll part does

The statutory maths is the same wherever you run it. Here are two salaries in Tamil Nadu, worked out by the engine Facto Lite runs:

CTC a yearGross a monthPF and ESIIn hand
₹2,40,000₹17,742₹1,334₹16,200
₹4,20,000₹32,359₹1,800₹30,351

Any payroll you trust has to get these right, free or paid. You can check your own on the CTC to in-hand calculator.

Where Kredily is the better choice

  • HR and payroll are all you need and budget is tight. Free is hard to argue with.
  • You want a sandwich rule in your leave policy. Kredily lists one; Facto Lite doesn't have it.
  • You pay professional tax outside Karnataka, Maharashtra and Tamil Nadu, the three states Facto Lite covers.
  • You want challans and Form 16 produced for you, which Kredily's paid plans list.

Free vs paid HR software

Paid plans at Kredily add salary payouts, challans, Form 16, advanced attendance rules and expense workflows; they're a flat fee up to 25 employees, then per employee. Facto Lite has no free plan: HR & Payroll is ₹2,499 a month for up to 10 users, and every module is free for 60 days. What you're paying for, if you pay us, is the work that isn't HR. The guide to delegating work shows what that looks like day to day.

Sources

Everything this page says about the other product comes from its maker's own website, read on 24 Sep 2026:

Products and prices change. Check their current pages before you decide, and tell us if something here has gone out of date.

Questions

Asked often, answered here.

Is Kredily really free?

Its site says so. The free plan covers payroll, HR, attendance and leave for unlimited employees, with PF, ESI, PT and TDS worked out, subject to an active-usage policy. Paid plans add payouts, challans and more.

Why would anyone pay for Facto Lite, then?

For the work that isn’t HR. Facto Lite puts tasks, recurring checklists and sales follow-ups in the same app, so the owner runs the day from one place. If you only need HR and payroll, Kredily’s free plan may be the better choice.

Does Facto Lite have a free plan?

No. Every module is free for 60 days with no card, then paid per band of team size.

Does Facto Lite support the sandwich leave rule?

No. Weekly offs and holidays inside a leave request are always skipped. Kredily’s site lists sandwich rules among its leave controls.

Try it on your own team for sixty days.

Tasks, CRM and HR & Payroll, with no card. Keep the sheet running beside it for the first month and compare. Or see it first on a half-hour walkthrough.

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