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Facto Lite vs RazorpayX Payroll for Small Teams

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

Should a small business use RazorpayX Payroll or Facto Lite?

Choose RazorpayX Payroll if you want salaries paid and PF, ESI, PT and TDS filed for you from one dashboard. Choose Facto Lite if you pay through your own bank and want attendance, leave and payroll alongside tasks and sales follow-ups, priced flat by team size.

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Side by side

Facto Lite and RazorpayX Payroll, row by row.

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

  • Paying salaries

    RazorpayX Payroll
    RazorpayX Payroll
    Pays salaries directly
    Facto Lite
    A bank advice file in your bank’s layout to upload. Facto Lite does not move money

  • PF, ESI, PT and TDS

    RazorpayX Payroll
    RazorpayX Payroll
    Files and pays TDS, PF, PT and ESIC for you, with the challans on your dashboard
    Facto Lite
    PF, ESI and TDS worked out for every employee, and professional tax for Karnataka, Maharashtra and Tamil Nadu only. Shows what each month owes and flags anything overdue. You pay the challans and file the returns yourself

  • Attendance and leave

    Even
    RazorpayX Payroll
    Leave, attendance and holidays, counted into the salary cycle
    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. Applied for on the phone and approved by the right person. Unpaid leave reaches payroll by itself

  • Employee self-service

    Even
    RazorpayX Payroll
    Payslips and reimbursement claims on WhatsApp or a dashboard
    Facto Lite
    An app on every employee’s phone for check-in, leave, payslips and tasks

  • Tasks and sales follow-ups

    Facto Lite
    RazorpayX Payroll
    Not part of their payroll product
    Facto Lite
    Tasks with an owner, due date and reminders, and recurring checklists with photo steps. Leads with an owner, scheduled follow-ups with reminders, and quotations

  • Support

    Facto Lite
    RazorpayX Payroll
    Support is listed as limited on the two lower plans
    Facto Lite
    Setup of your attendance method done by us, and step-by-step guides in the help centre
The bill

What you pay for, and how it grows.

Facto Lite’s own prices, as published on the pricing page. For RazorpayX Payroll, 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

RazorpayX Payroll: Three plans with a monthly base fee and a charge per additional employee; the largest is quoted

Other work

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

RazorpayX Payroll: Payroll and HR only

Trying it first

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

RazorpayX Payroll: An introductory free month was on offer when we checked

See every price

Which one fits

Each is the better buy, somewhere.

Stay with RazorpayX Payroll if

  • You want salaries paid without logging into your bank
  • You want PF, ESI, PT and TDS paid and filed for you every month
  • Nobody on your team or your accountant’s handles the compliance portals
  • You pay professional tax in a state Facto Lite doesn’t cover
  • Payroll is the only job you want software for

Choose Facto Lite if

  • You pay salaries from your own bank and are happy uploading a file
  • You want tasks and sales follow-ups in the same app as HR
  • Your accountant already files PF, ESI and TDS and just needs the right figures
  • You want one flat price for your band of team size

RazorpayX Payroll comes at payroll from the money side. Its page says it pays salaries directly and files and pays TDS, PF, PT and ESIC for you, with the challans kept on your dashboard. For an owner who never wants to open the EPFO portal, that is a genuinely different product, and a good one.

Facto Lite works the other way round. It does the working out: attendance, leave, every employee's PF, ESI, TDS and professional tax, and a payslip on their phone. Then it hands you a bank file and a list of what the month owes, and you or your accountant pay it.

A RazorpayX Payroll alternative: who moves the money

That's the real choice. If you want the software to move money, RazorpayX does and Facto Lite doesn't. If you already pay salaries from your bank and your accountant files the challans, you're paying for a service you don't use, and what you may be missing is everything around payroll: tasks, checklists and sales follow-ups, which Facto Lite has in the same app.

What one month owes, worked out

Three people at a small retail branch, for Oct 2026, from the engine Facto Lite runs:

PersonPF, both sharesESI, both shares
Store assistant₹2,160₹640
Accountant₹2,640₹800
Branch manager₹3,600₹0

That's ₹8,400 of PF due by 15 Nov 2026 and ₹1,440 of ESI due by 15 Nov 2026. The branch manager pays no ESI, because their gross is above ₹21,000, and PF stops at the ₹15,000 wage ceiling. RazorpayX would pay and file both. Facto Lite shows both on the month's compliance list, flags them if they're late, and leaves the paying to you.

The PF and ESI calculator runs the same sums, and the compliance calendar has every due date for the year.

The shape of the bill

RazorpayX's pricing page lists three plans, each a monthly base fee with a charge per additional employee, with the largest quoted on request. It was also offering an introductory free month when we checked. Facto Lite charges a flat price per band: HR & Payroll is ₹2,499 a month for up to 10 users and ₹4,999 for up to 50, free for the first 60 days.

Which one to pick

Pick RazorpayX Payroll if nobody on your side handles the compliance portals and you want salaries paid without logging into the bank. Pick Facto Lite if the payroll maths is what you need help with, and the rest of the business (work handed out, checklists, follow-ups) needs a home too.

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.

Does Facto Lite pay salaries?

No. It makes a bank advice file in your bank’s layout, and you upload it. RazorpayX Payroll pays salaries directly.

Does Facto Lite file PF and TDS for us?

No. It works out PF, ESI and TDS for every employee and shows what each month owes and what’s overdue. You or your accountant pay and file. RazorpayX says it files and pays them for you.

Why choose Facto Lite, then?

For everything around payroll. Tasks, recurring checklists and sales follow-ups sit in the same app as attendance, leave and payroll, at one flat price per band of team size.

Do we need a Razorpay account for Facto Lite?

No. Facto Lite works with any bank. It doesn’t move money at all.

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.

Start the 60-day trialBook a walkthrough