OnGravy
OnGravy provides accounting and tax tools for business owners and chartered accountants, combining AI-assisted bookkeeping with GST workflows and payroll.
What OnGravy is
OnGravy provides accounting and tax tools for business owners and chartered accountants, combining AI-assisted bookkeeping with GST workflows and payroll. Users can send bills, invoices, receipts, or voice notes through WhatsApp; AI reads and classifies them into draft journal entries, which a person reviews before posting. Approval processes can be smart or strict and multi-step. GST features include GSTR-1, GSTR-3B, GSTR-9, GSTR-9C, ITC tracking, and matching with ±₹1 tolerance. Payroll covers salary processing, TDS, PF, ESI, professional tax, Form 16, leave management, and attendance tracking. Listed integrations include Tally, WhatsApp Business, Razorpay, AWS Textract, Petpooja POS, and GoFrugal POS. Account Aggregator daily auto-sync and direct GST portal filing are described as rolling out with partners. It is installable as a PWA on Android, iOS, Mac, Windows, and Linux. The security page says data is hosted in Mumbai and describes encryption in transit and at rest.
Good
- AI turns WhatsApp documents and voice notes into draft entries.
- Covers multiple GST returns and ITC tracking.
- Payroll includes tax, benefits, leave, and attendance tools.
- Lists integrations including Tally and Razorpay.
- PWA installation is available across five platforms.
Watch out
- No free plan is listed.
- Account Aggregator auto-sync is rolling out.
- Direct GST portal filing is rolling out.
- SOC 2 and ISO 27001 work is in progress.
Who it suits
OnGravy suits business owners and chartered accountants seeking bookkeeping, GST, and payroll tools in one service. Its WhatsApp document intake and approval steps may suit teams that want a person to review AI-drafted entries before posting.
Verdict
OnGravy brings bookkeeping, GST, payroll, and approval workflows together for business owners and accounting professionals. Consider its paid pricing and the stated rollout status of two integrations before choosing it.
Plans and prices
From OnGravy's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Core Books | ₹299 a month | Invoicing · purchases · vouchers · parties · items · ledgers · bank import · financial statements · monthly |
| Starter bundle | ₹699 a month | Core Books · GST & Indirect Tax · Banking & Reconciliation · monthly |
| Business Owner | ₹799 a month | 1 owned business · unlimited invoices · payroll up to 20 employees · 100K AI tokens/month · 1 year data history · monthly |
| NRI | ₹999 a month | 1 Indian business entity · 150K AI tokens/month · monthly |
| Growth bundle | ₹1,299 a month | Core Books · GST · banking · advanced reports · AI automation · inventory · payroll · monthly |
| Tax Practitioner | ₹1,999 a month | 3 client businesses included · +₹299/month per additional client · 200K AI tokens/month · 2 years data history · monthly |
| All-Access bundle | ₹2,999 a month | Core Books · tax · ROC · payroll · inventory · banking · analytics · AI · multi-entity · cross-border · audit · online store · CA suite · monthly |
| Individual CA | ₹3,499 a month | 5 client businesses included · +₹299/month per additional client · 300K AI tokens/month · unlimited data history · monthly |
| Enterprise / CA Firm | Priced on request | Everything in Individual CA · multi-staff logins · API access · custom integrations · dedicated account manager · SLA support · custom |
The facts
Each one read from OnGravy's own pages, with the date it was checked.
What it does
- Accounting coverage
- The platform provides invoices, bills, vouchers, parties, items, inventory, trial balance, profit and loss and balance-sheet reporting.checked 15 Oct 2026
- AI feature
- AI capabilities include question answering, proactive advice, voice bookkeeping, OCR receipt capture, anomaly detection and market benchmarks.checked 15 Oct 2026
- API
- OnGravy exposes a versioned REST API with invoice, party and item resources, API-key scopes and server-side GST calculation.checked 15 Oct 2026
- Banking feature
- Banking supports statement imports, multi-bank tracking, reconciliation and an RBI Account Aggregator integration that is still rolling out.checked 15 Oct 2026
- Compliance status
- The company says it is working toward SOC 2 Type II and ISO 27001, with targets in 2027.checked 15 Oct 2026
- Data residency
- Primary databases and file storage are hosted in Mumbai on AWS or Supabase ap-south-1, while email and AI processing use external providers.checked 15 Oct 2026
- Documentation depth
- The documentation covers setup, bookkeeping, banking, AI, compliance, payroll, integrations, automation, APIs, teams, mobile use and troubleshooting.checked 15 Oct 2026
- Funding
- OnGravy's press material describes the business as bootstrapped and says pre-seed discussions are planned after its first five paying design-partner CAs.checked 15 Oct 2026
- GST
- The feature page lists GSTR-1, GSTR-3B, GSTR-9, GSTR-9C, ITC tracking, and GST matching with ±₹1 tolerance.checked 7 Oct 2026
- GST feature
- Its GST tools prepare GSTR-1, GSTR-3B, GSTR-9 and GSTR-9C, reconcile ITC and support e-invoice and e-way-bill workflows.checked 15 Oct 2026
- Independent package
- The independently listed @ongravy/agent-kit package provides model routing, prompt-cache planning, tool-call evaluation and MCP conversion utilities.checked 15 Oct 2026
- Integration availability
- The site says Account Aggregator daily auto-sync is rolling out with a partner and direct GST portal filing is rolling out with a GSP partner.checked 7 Oct 2026
- Integrations
- Listed integrations include Tally, WhatsApp Business, Razorpay, AWS Textract, Gmail, Slack or Teams, calendars, e-commerce channels and logistics services.checked 15 Oct 2026
- Licence
- The main accounting application is closed-source; the company says agent-kit primitives, its MCP server and the IndianTaxAgentBench benchmark are open-source.checked 15 Oct 2026
- Limit: compliance maturity
- The roadmap says live bank feeds, direct GSP or ESP filing and arbitrary-code plugin execution still depend on partner contracts or security work.checked 15 Oct 2026
- Limit: international payments
- Self-serve payment capture outside India is still rolling out even though the product itself is available globally.checked 15 Oct 2026
- Limit: offline use
- Offline operation requires the PWA or app to have been installed beforehand; it cannot bootstrap from a blank browser without connectivity.checked 15 Oct 2026
- Limit: simpler competitors
- OnGravy acknowledges that Khatabook is simpler and free for basic credit tracking, while Vyapar is cheaper and stronger for simple offline mobile billing.checked 15 Oct 2026
Where it runs
- Approval controls
- OnGravy supports smart or strict multi-step approvals, and the site says AI drafts are reviewed by a person before entries post to the ledger.checked 7 Oct 2026
The company
- Company directors
- The company record lists Pratik Revankar and Sneha Pradeep Revankar as directors.checked 15 Oct 2026
- Company incorporation
- Public Indian company records show Bytemonster Platforms Private Limited was incorporated on 8 July 2026 in Ponda, Goa.checked 15 Oct 2026
- Company legal entity
- OnGravy identifies itself as a trademark of Bytemonster Platforms Pvt. Ltd.checked 15 Oct 2026
- Founded
- 2026checked 28 Sep 2026
- Independent company classification
- A separate company directory classifies Bytemonster Platforms Private Limited as an unlisted private company registered with ROC Goa.checked 15 Oct 2026
The full review of OnGravy
OnGravy is an India-focused accounting, GST, payroll and approval platform for business owners and chartered accountants. It suits teams that want to send source documents through WhatsApp and keep review controls around automated bookkeeping. The trade-off is a paid subscription with usage allowances and some integrations still moving toward full availability.
Overview
Users can send bills, invoices, receipts or voice notes in WhatsApp for AI to read, classify and convert into journal-entry drafts. A person reviews those drafts before they post to the ledger, so the system reduces repetitive entry without removing human accountability. Smart or strict multi-step approvals are useful when several people must sign off spending or accounting work.
The accounting scope is broad. GST workflows cover GSTR-1, GSTR-3B, GSTR-9 and GSTR-9C, with ITC tracking and GST matching within a ±₹1 tolerance. Payroll includes salary processing, TDS, PF, ESI, professional tax, Form 16, leave management and attendance. Automated tax handling, bank feeds, advanced inventory accounting and marketplace support make it a plausible consolidation tool for Indian operations, although payout reconciliation is only partial.
Key features
Bookkeeping and controls
WhatsApp intake is the strongest practical differentiator for owners and CA teams already collecting paperwork in chat. AI-assisted classification can shorten the path from receipt to draft, while mandatory review and configurable approvals provide safeguards against unchecked posting. This is assisted automation rather than a fully hands-off ledger.
GST, payroll and integrations
The listed GST return coverage and tolerance-based matching address recurring compliance work, and the payroll module reaches statutory deductions, contributions and employee administration in one place. Integrations include Tally, WhatsApp Business, Razorpay, AWS Textract, Petpooja POS and GoFrugal POS. Account Aggregator daily auto-sync is rolling out with a partner, and direct GST-portal filing is rolling out with a GSP partner; organizations that require those connections immediately should plan around that status.
Security and access
Data is hosted in Mumbai, with TLS 1.2 or newer in transit, AES-256 at rest and Postgres row-level security for tenant isolation. SOC 2 Type II and ISO 27001 work is in progress with target dates in 2027, so buyers with current certification requirements should verify whether the present controls meet their policy.
Pricing
There is no free plan. Paid plans start from ₹299/mo, while the published options below define the main audience and capacity differences. Plans include monthly allowances for e-invoice IRNs, AI document scans and WhatsApp messages; allowances vary by plan, and top-up packs are available.
| Plan | Price and allowance | Best fit |
|---|---|---|
| Business Owner | ₹799/month; one business, additional own businesses at ₹599/mo each; up to 20 payroll employees; 100K AI tokens/month; one year of data history | A single operating business with a modest payroll; the employee, token and history caps matter as it grows. |
| NRI | ₹999/month; one Indian business entity; 150K AI tokens/month; priority support | An NRI managing one India-based entity who values support, but does not need the broader multi-client structure. |
| Tax Practitioner | ₹1,999/month; three client businesses; ₹299/mo per additional client, tapering to free past 50; ₹11,552/mo cap; 200K AI tokens/month; two years of data history | A smaller tax practice handling several clients, with a predictable ceiling at larger volumes. |
| Individual CA | ₹3,499/month; five client businesses; ₹299/mo per additional client, tapering to free past 60; ₹14,694/mo cap; 300K AI tokens/month; unlimited data history | A busier independent CA needing more clients, higher AI capacity and permanent history; it includes an onboarding call and priority support. |
| Enterprise / CA Firm | Custom pricing; for CA firms with 10+ staff, API access, custom integrations, dedicated account manager and SLA support | Larger firms that need managed implementation and service commitments. |
Individual plans include priority support, while Enterprise / CA Firm receives dedicated support. The cheaper tiers give up client capacity, AI tokens or historical retention rather than merely changing branding, so expected document volume and client count should drive the choice.
Platforms
OnGravy runs on Android, iOS, Linux, macOS, Windows and the web, with API access. It is installable as a PWA across those operating systems; native apps are planned for Q4 2026. That makes it broadly reachable today, but users expecting platform-specific native software must wait.
Who it's for
Choose it if you are an Indian business owner or CA practice wanting bookkeeping, GST, payroll, document intake and approvals in one system. It is particularly suitable when WhatsApp is already the document channel and a reviewer must approve AI-generated entries. It is less suitable for organizations that require direct GST filing or Account Aggregator sync immediately, or that need currently completed SOC 2 Type II or ISO 27001 certification.
Pros and cons
- Pros: WhatsApp accepts bills, receipts, invoices and voice notes; human review and multi-step approvals add governance; GST and payroll coverage is unusually broad; advanced inventory, bank feeds and marketplace support extend beyond basic bookkeeping; broad PWA platform coverage.
- Cons: No free plan; AI, scan, message and e-invoice usage is metered by plan; cheaper tiers have business, employee or history limits; payout reconciliation is only partial; two important integrations are still rolling out; SOC 2 Type II and ISO 27001 targets are in progress rather than complete.
Alternatives
For ecommerce-focused comparisons, see Ecommerce Accounting Software. Choose Amaka instead if a web-only freemium product is preferable: its free tier allows 60 transactions per month, one integration and one location, with no COGS or inventory. Ecommatrics suits sellers wanting free tools or a 14-day full-access option at ₹199 once. ZupERP is the lower-cost choice when free seller tools or monthly GST preparation from ₹89 is enough. Xettle is free during beta, with paid tiers potentially later.
WIMOnline is worth choosing for a low-cost, multi-company web/API setup: its Starter plan is ₹149/month for three users, two companies, unlimited invoices and 5,000 API requests per day, excluding 18% GST. EcommReco is another paid web alternative. Entriwise fits users seeking a freemium ecommerce connector, with Standard at $41/month billed yearly for one channel, one region, one user and 6,000 monthly transactions. Fintra is a paid web option with customer-scoped pricing and payroll priced separately.
Verdict
OnGravy is a strong choice for Indian owners and CA practices that want WhatsApp-driven bookkeeping combined with GST, payroll and approval controls. Its main reason to choose is workflow consolidation with human oversight; its main reason to look elsewhere is the paid, quota-based model and the wait for certain integrations and compliance certifications.
