Comparison, checked 31 Oct 2026
MyRecords or Zoho Books: which fits you?
Zoho Books is self-serve cloud accounting priced by plan and user. MyRecords is one set-up system with unlimited users.
The quick verdict11 points · 8 sources
Zoho Books
Choose it if…
You want to start on your own today, with no setup project.
MyRecords
Choose it if…
Many people need access and per-user prices would keep rising.
The short answer
Zoho Books is cloud accounting you can sign up for and run yourself, from a free plan to ₹7,999 a month for 25 users billed yearly, with GST filing and e-invoicing built in. MyRecords is a dedicated system that we set up for you, covering accounts, GST, stock, POS, HR, payroll, CRM and support with unlimited users, on your own server or MyRecords Cloud. Choose Zoho Books to start fast and cheaply on your own; choose MyRecords for one set-up system across the whole business.
11 points
Side by side, point by point.
What each offers as of 31 Oct 2026. Facts about Zoho Books come from its own public pages, listed under Sources.
| What matters | MyRecords | Zoho Books |
|---|---|---|
| How you pay | Quoted for your business: a one-time setup, then MyRecords Cloud monthly or a yearly AMC on your own server. You pay for the modules you choose, never per user. | Monthly per organisation, by plan, with a lower price for yearly billing. Free plan for turnover up to ₹25 lakh. |
| Users | Unlimited on every module. | 3 users on Standard up to 25 on Ultimate; extra users ₹150 each a month on yearly billing. |
| Where it runs | A dedicated system on MyRecords Cloud or your own server, in the browser. Works in any phone browser and installs to the home screen. | Zoho's cloud only. Apps for iOS, Android and Windows. |
| Getting started | Sales-led: a demo, a quote, then we set it up, move your data and train your team. No self sign-up. | Sign up and start yourself, with a 14-day trial of paid plans. |
| GST returns | Prepares GSTR-1 and GSTR-3B files from your books for upload; matches GSTR-2B from the downloaded file. With a GST Suvidha Provider (GSP) account connected, it also fetches GSTR-2B and sends IMS actions. Filing from inside MyRecords is not built yet. | Files GSTR-1 from the app and pushes GSTR-3B to the GST portal; GSTR-2B reconciliation. |
| e-Invoice and e-way bill | Creates the upload files and records the IRN and e-way bill number. Generating them from inside MyRecords works once you connect a GSP account or the portals' own API login. | e-Invoicing from the Standard plan, with Zoho acting as the GSP; e-way bills generated in the app. |
| Stock | Warehouses, batches with expiry, serial numbers, reorder levels and stock ageing in every bundle. | Warehouses, batches, serial numbers and bins on the Elite and Ultimate plans; Zoho Inventory is a separate product. |
| Payroll | Pay runs with PF ECR and ESI files, professional tax for 20 states and Puducherry and wage registers. Form 16 is not built yet. | Payroll through Zoho Payroll, listed from the Premium plan, covering EPF, ESI, PT and LWF; extra employees cost ₹60 each a month billed yearly. |
| CRM and support tickets | Included as modules in the same system, sharing the same customer records. | Separate Zoho products with their own prices, for example Zoho CRM Standard at ₹800 per user a month billed yearly. |
| Shopping-site connections | Not built yet. | Amazon, Etsy and Shopify connections on the Elite plan. |
| Your data | On your own dedicated system; a full export in open formats within 30 days of notice if you leave. | Stored on Zoho's cloud. |
Strengths
Where each one is strong.
Theirs first, from their own pages. Ours, from the product as it is today.
Zoho Books4 strengths
- You can sign up and start on your own today, with a free plan for small turnovers.
- GST filing, e-invoicing with Zoho as the GSP, and e-way bills already connected.
- Mobile apps for iOS and Android, and connected banking with three banks.
- Part of a wide family of Zoho apps if you later need CRM or more.
MyRecords5 strengths
- Unlimited users with no per-user fees, so adding people costs nothing extra.
- Accounts, stock, POS, HR, payroll, CRM and support in one system and one contract.
- Runs on your own server if you want, or as a dedicated system on MyRecords Cloud.
- Set up, migrated and supported by the team that builds it.
- An AI Assistant add-on that answers from your own records, with your permissions, and reads supplier bills into drafts.
Which to choose
Pick by what you need.
If the left column describes you, choose Zoho Books. We would rather you did.
Choose Zoho Books if…
- You want to start on your own today, with no setup project.
- You have a small team and mainly need accounts, GST and invoicing.
- You need GST returns filed from inside the software, e-invoicing without connecting an outside account, or shopping-site connections.
Choose MyRecords if…
- Many people need access and per-user prices would keep rising.
- You want stock, payroll, CRM and support in the same system as the books, not as separate apps.
- You want the system on your own server, or a dedicated one, rather than a shared cloud.
- Core ready in 1–2 weeks
- 100% customisable
- Zero access to your data
- Updates and fixes included
- Changes whenever you want
Questions
Questions people ask
Something else on your mind?
Ask us anything about modules, a quote or moving across. A person from our team replies.
Ask a question01Is MyRecords cheaper than Zoho Books?
Not for a small team on accounts alone. MyRecords includes a dedicated system, setup, data migration and training, and has no per-user fees, so adding people costs nothing extra. It is customised to your requirements, so ask us for a quote.
02Can we move from Zoho Books to MyRecords?
Yes. The setup wizard reads Zoho Books' own exports of customers and suppliers (with their opening balances) and of items (with HSN, units and prices), with a dry run first. Opening stock and the other balances are entered on the go-live date. See switching from Zoho.
03Can I try MyRecords myself like Zoho's trial?
There is no self sign-up or trial. We show you the live system on a call, on our sample company, and can give you a demo sign-in to explore it yourself. Book a demo.
04Does MyRecords have mobile apps like Zoho?
There is no separate app. MyRecords works in any phone browser and installs to the home screen; point-of-sale bills (while the till page stays open), the shop-floor screen, attendance check-in, maintenance visits, asset checks and bill photos for Read a bill keep working offline.
05What about Zoho's other apps?
Zoho sells CRM, inventory, payroll and help desk software as separate products with separate prices. In MyRecords they are modules of one system with one quote, and users are unlimited.
Sources
Where their facts come from.
Zoho Books’s own pages, checked 31 Oct 2026. Prices change. If one is out of date, tell us and we fix it.
- Zoho Books India pricing zoho.com · plans, users, add-ons; checked 1 Nov 2026
- Zoho Books: GSTR-1 filing zoho.com
- Zoho Books: GST filing zoho.com
- Zoho Books: GSTR-2B reconciliation zoho.com
- Zoho Books: e-invoicing zoho.com
- Zoho Books: e-way bills zoho.com
- Zoho Books: payroll zoho.com
- Zoho CRM features and editions (prices in rupees) zoho.com · Standard ₹800 per user a month billed yearly; checked 1 Nov 2026
Last updated
Product names are trademarks of their owners. Written by the team that makes MyRecords. We compare in good faith from public information and correct errors quickly: write to us from the contact page.
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