Kredily - 2026 Pricing, Features, Reviews & Alternatives

Kredily is an AI-first HR and payroll platform built for Indian businesses, used by 25,000+ companies to manage over 10,00,000 employees and ₹1,000+ Cr in payroll processed to date. The platform combines payroll, attendance, leave, hiring, background verification, compliance, expense management, and performance management in one connected system.

At the core of Kredily is Kai, an agentic AI co-pilot built natively into every module rather than added as a separate chatbot. Kai applies leave, corrects attendance records, runs payroll end-to-end, and explains changes in an employee's net pay, all within role-based permissions and with every action logged for audit. The AI Payroll Agent handles the full monthly payroll cycle automatically, computing PF, ESI, Professional Tax, and TDS across every applicable state and flagging compliance issues before due dates.

Kredily also includes Workforce Intelligence, an analytics layer that surfaces attrition risk, payroll cost trends, absenteeism, and overtime patterns, and generates a plain-language flight-risk score for each employee based on tenure, attendance, pay, and team-level attrition. Users can query workforce data directly in natural language.

Onboarding is handled through an AI-guided Setup Wizard: businesses import employee data via Magic Upload, and the system auto-configures salary structures and statutory components, allowing a first payroll run on the same day as sign-up.

Attendance tracking supports seven methods, including KredEYE facial recognition and Klocky zero-touch tracking, suited to factories, retail outlets, and field teams. Compliance is managed through a live, multi-state engine that auto-generates challans, returns, and statutory registers with proactive deadline alerts.

Additional offerings include an in-platform Insurance Management dashboard covering group health, OPD, and accidental cover; salary advances up to ₹5,00,000; and a benefits marketplace, all underwritten on payroll data. A direct ICICI Bank integration enables in-platform salary and vendor payouts. An MCP connector allows HR and payroll data to be queried through external AI tools such as Claude and Gemini, with role-based access controls enforced on each request.

Kredily is developed by PeopleProsper Technologies Pvt. Ltd., headquartered in Bengaluru, and was recognized as a CHUNAUTI 5.0 winner by MeitY and STPI, Government of India. Data is hosted in India with 256-bit encryption, and lending and insurance services are provided through RBI-regulated partners.

Kredily offers a Free Forever plan with unlimited employees and no credit card requirement, alongside paid tiers (Payroll OS, Professional, and Enterprise) that add bank payouts, advanced automation, and dedicated support.