TL;DR: For Indian small businesses, Bigin by Zoho wins on ecosystem depth and product maturity; TatvaCRM wins on INR-first pricing, native WhatsApp workflows, and built-in BFSI modules (loan files, lenders, payouts). Pick Bigin if you live in the Zoho suite; pick TatvaCRM if you sell on WhatsApp or run a loan/insurance business.
Quick answer
TatvaCRM vs Bigin comes down to one question: do you want a lightweight arm of the Zoho ecosystem, or a CRM built specifically for Indian SMB and BFSI workflows? Bigin by Zoho is a polished, affordable pipeline CRM that plugs into Books, Desk, and Mail. TatvaCRM is an India-first, BFSI-ready CRM built by Tatva Fintech, with INR pricing, GST invoicing, WhatsApp-native records, and industry presets for loan DSAs, NBFCs, and insurance.
Both start free and land in a similar price band, so the decision is about fit, not cost.
Pricing compared
Both CRMs price in INR with GST, which already puts them ahead of USD-billed tools like Pipedrive or HubSpot for Indian buyers.
| Plan | Bigin by Zoho | TatvaCRM |
|---|---|---|
| Free | 1 user, single pipeline | Yes — contacts, pipeline, activities, CSV import |
| Entry paid | ~₹550/user/mo (Express) | ₹449/user/mo |
| Higher tier | ~₹850/user/mo (Premier) | Based on plan |
| Billing | INR + GST | INR + GST |
| Best value for | Zoho-suite users | India-first & BFSI teams |
Prices change often. Always confirm current rates on each vendor’s site, and calculate the full annual cost for your real team size before committing. See TatvaCRM pricing for live plans.
Feature comparison
Both cover the CRM fundamentals — contacts, pipelines, tasks, and activity tracking. The differences show up in ecosystem breadth versus India-specific depth.
| Capability | Bigin by Zoho | TatvaCRM |
|---|---|---|
| Visual pipeline | Yes (Team Pipelines on Premier) | Yes, multi-pipeline |
| WhatsApp on record | Via connectors | Native, first-class |
| Ecosystem apps | Deep (Zoho Books, Desk, Mail) | Focused CRM + BFSI |
| BFSI / loan-file module | No | Yes, built-in |
| Lender & payout tracking | No | Yes |
| Custom fields | Yes | Yes |
| Role-based access | Yes | Yes, custom roles |
| GST invoicing context | Yes | Yes |
Where Bigin leads: if your business already runs on Zoho, Bigin’s tight links to Zoho Books, Desk, and Mail are hard to beat, and the product is mature with a wide partner network.
Where TatvaCRM leads: WhatsApp is a native surface on every contact and loan file, and the BFSI presets — a multi-stage loan pipeline, DSA-specific modules, lender management, and commission reconciliation — simply do not exist in Bigin without heavy custom work.
India and BFSI fit
Both vendors are India-aware. Zoho is headquartered in Chennai and Bigin invoices in INR with GST. TatvaCRM is built by an Indian fintech company specifically for Indian SMBs, and goes further on two fronts:
- WhatsApp-first workflows — the way most Indian SMBs actually talk to customers, logged directly on the record rather than bolted on.
- BFSI verticalisation — loan DSAs, NBFCs, insurance brokers, and mutual fund distributors get purpose-built pipelines, document checklists, and payout tracking without configuration.
If you run a loan-agent or DSA business, see the TatvaCRM DSA solution. No general-purpose CRM — including Bigin — ships a loan pipeline, lender management, and commission splits out of the box.
Who should pick which
Pick Bigin by Zoho if you:
- Already use Zoho Books, Desk, or Mail and want everything under one roof.
- Want a mature product with a large ecosystem of partners and marketplace apps.
- Run a simple sales pipeline and value product polish over India-specific depth.
Pick TatvaCRM if you:
- Sell primarily over WhatsApp and want it native, not an add-on.
- Run a BFSI business (loan DSA, NBFC, insurance, MFD) needing industry workflows now.
- Want INR-first pricing with GST and a simple free plan to start — see free CRM.
Not sure? Both are free to start. Import your top 50 contacts into each, build one pipeline, and log a week of activity. You will know the fit within seven days. Explore TatvaCRM features or view all TatvaCRM comparisons.
Still comparing? Read the best Bigin alternative, TatvaCRM vs Zoho CRM, and TatvaCRM vs Pipedrive.
FAQ
› Is TatvaCRM or Bigin better for small business?
Both are strong small-business CRMs. Bigin by Zoho is better if you already use Zoho apps (Books, Desk, Mail) or want the polish of a mature product with a large partner network. TatvaCRM is better if you sell over WhatsApp, want INR-first pricing with GST invoicing, or run a BFSI business (loan DSA, NBFC, insurance) that needs industry-specific pipelines out of the box.
› How much does Bigin cost in India?
Bigin by Zoho starts free for a single user and moves to roughly Rs 550/user/month (Express) and Rs 850/user/month (Premier) billed annually, in INR with GST. TatvaCRM starts free and paid plans begin at Rs 449/user/month. For a small team, both land in a similar budget band, so the decision usually comes down to features and industry fit rather than price alone.
› Does Bigin have WhatsApp integration?
Bigin offers WhatsApp through Zoho's broader ecosystem and marketplace connectors, but it is not the primary channel the product is built around. TatvaCRM treats WhatsApp as a first-class surface on the contact and loan-file record, so logging and following up over WhatsApp is native rather than an add-on.
› Can I migrate from Bigin to TatvaCRM?
Yes. Export your contacts, companies, and deals from Bigin as CSV and import them into TatvaCRM using the CSV import wizard, which supports field mapping, owner assignment, and tags. Pipelines and custom fields are recreated once in TatvaCRM. There is no automated one-click migration, but a typical small-business dataset moves over in an afternoon.
› Which CRM is better for a loan DSA or insurance agency?
TatvaCRM is purpose-built for BFSI. It ships a multi-stage loan pipeline, lender management, commission reconciliation, and document checklists that Bigin does not offer out of the box. Bigin can be customised with custom fields, but you would be rebuilding workflows that TatvaCRM provides natively for the DSA and NBFC verticals.
› Is Bigin part of Zoho CRM?
Bigin is a separate, lighter product from Zoho aimed at very small teams and solopreneurs, while Zoho CRM is the full-featured platform. If you outgrow Bigin you typically migrate up to Zoho CRM. TatvaCRM sits between the two on complexity but adds India-first and BFSI depth that neither Zoho product focuses on.
Ready to try an India-built CRM? Start free with TatvaCRM — no credit card required.