An AI ERP does the reading, sorting, scoring and drafting on its own, and stops before anything that changes a record or reaches a customer. In BiltIQ Business OS the copilot has 66 tools. The 23 that change data wait for a person's approval, and a change nobody approves expires after 72 hours.
At a glance
| Point | Detail |
|---|---|
| Who this is for | Indian SMEs running accounts in Tally or Zoho, customers in a spreadsheet or CRM, and approvals over chat |
| AI tools in Business OS | 66, across CRM, sales, accounts, projects and HR |
| Tools that wait for approval | 23: leads 9, RFQs 6, work items 4, revenue 2, platform 1, insights 1 |
| Approval window | The proposed change sits frozen with a preview in the approval inbox; it expires after 72 hours |
| Where data sits (Own it) | Database and models on your network; attachments and documents in cloud storage today (on-prem file storage is a roadmap item) |
| Price, ex-GST | Own it: ₹20–40 L licence and implementation + 18% a year AMC. Subscribe: ₹3,500/month per firm, launch pricing, opens Jul 2027 (planned) |
What does an AI ERP do without asking?
The work that costs an SME its evenings is not the decision, it is the reading and the typing before the decision. That part runs on its own.
- Reads the inbox. Every few minutes the copilot sorts new email and spots enquiries, quote requests and escalations. A real enquiry becomes a lead.
- Fills in the lead. It notes what the customer wants, checks for duplicates, assigns the owner by territory and scores the lead hot, warm or cold.
- Drafts the reply. A reply is written and parked for a person to read, edit and approve. Only then does it send.
- Follows up. No reply in 3 days? It drafts a follow-up for approval, up to three in a thread.
- Builds leads from a card or a note. Photograph a business card, or type "met Rahul from X, wants an ERP for 50 users", and the lead is built.
- Prepares the books. Double-entry accounts where every journal balances and sales post to the ledger; GST with GSTR-1 export; 5% UAE VAT invoicing with a monthly VAT summary; a TDS register and certificates; bank reconciliation; POs, goods receipts, stock moves and production BOMs.
None of this needs a sign-off because none of it changes a record on its own. A draft is a draft until a person approves it.
Which actions wait for a person?
Business OS runs the same four steps for every one of the 23 data-changing tools:
- Propose. The copilot calls a tool that changes data.
- Check. Role permissions apply, closed by default. Bad inputs are rejected before anyone sees them.
- Wait. The call is frozen with a preview in the approval inbox. It expires in 72 hours.
- Decide. Approve, and the frozen call runs. Decline, and the copilot is told.
| Group | Gated tools | What they change |
|---|---|---|
| Leads | 9 | Creating or changing a lead, sending the reply or follow-up to the customer |
| RFQs | 6 | Quote requests and their status |
| Work items | 4 | Tasks and project items |
| Revenue | 2 | Entries that touch billed revenue |
| Platform | 1 | A system-level setting |
| Insights | 1 | A saved analysis |
Every copilot call, gated or not, goes to an append-only action log. The point is not that the AI is slow. It is that nothing goes to a customer and no record changes until a person has seen the preview.
Where does the data sit?
| Part | Own it | Subscribe |
|---|---|---|
| Database | Your network | BiltIQ-run |
| Models | Your GPUs; BiltIQ points the models at your server during install | BiltIQ's GPU cluster in India |
| Files (attachments, documents) | Cloud storage today; on-prem file storage is a roadmap item | Cloud storage |
| Cloud models | No Claude or OpenAI calls in the code. The only cloud model option, Kimi, is off by default | Same |
BiltIQ states the cloud-storage exception up front so a security team can plan for it. For India, BiltIQ refers to the DPDP Act 2023; the live post "What your DPO will ask about your AI vendor" lists the questions to put to any vendor, BiltIQ included.
What does it cost?
| Model | Price (ex-GST) | Status |
|---|---|---|
| Own it | ₹20–40 L licence and implementation + 18% a year AMC; hardware at cost. As an add-on on an existing BiltIQ site, no second managed-service fee | Available |
| Subscribe, India | ₹3,500/month per firm; larger firms ₹4.5 L/yr + ₹5 L implementation | Launch pricing, coming soon; opens Jul 2027 (planned) |
| Subscribe, UAE | $12K/yr per firm (≈AED 3,500/month, 25 users) + $15K implementation | Launch pricing, coming soon; opens Jul 2027 (planned) |
The post "AI ERP cost in India in 2026: subscribe or own it?" works through a three-year comparison of the two.
How do you move off Tally or Zoho?
With some manual steps. Opening balances are set per account at go-live. Inventory, production BOMs and HR attendance import from Excel or CSV. There is no direct Tally or Zoho importer yet; it is on the roadmap. BiltIQ scopes the move on the scoping call and confirms it in a written phase-1 plan.
When should you NOT use an AI ERP?
- Nobody is free to approve. A gated change waits for a named person and expires after 72 hours. Without an approver the copilot is a reader, not a worker.
- You need IRN e-invoicing or the e-way bill API today. Both are roadmap items; e-way bills are typed by hand today.
- Every file must stay on your premises today. Attachments sit in cloud storage until on-prem file storage ships.
- You want hands-off automation. The approval model is the product. Business OS will not post, send or file on its own.
- You need SAP or Salesforce-scale depth. That is on the roadmap, not in the current build.
Frequently asked questions
Can the AI change our accounts on its own?
No. Of the 66 copilot tools, the 23 that change data all wait for a person. The change sits frozen in the approval inbox with a preview and expires after 72 hours if nobody approves it. Role permissions are closed by default, and every copilot call goes to an append-only action log.
Do we need Agent OS as well?
Not to start. Business OS has one planner today, and Agent OS agents join gradually. Agent OS is for tender, contract and claim review with page citations, which is a different job.
Does Business OS send our data to Claude or OpenAI?
No. There are no Claude or OpenAI calls in the code. The only cloud model option, Kimi, is off by default. On an Own-it install the database and models run on your network; attachments are in cloud storage today.
Related: AI GSTR-1 automation: what the agent prepares, what you sign · Tally vs Zoho vs AI ERP: a 12-point comparison for Indian firms · AI ERP cost in India in 2026: subscribe or own it? · AI CRM: agents draft the follow-up, a person sends it · UAE VAT at 5%: how an AI ERP prepares the monthly summary · Human-in-the-loop AI agents: which actions should need approval? · What your DPO will ask about your AI vendor
Next step: see what is built on Business OS, or book a 30-minute scoping call on contact. Prices on pricing.
Facts checked against the BiltIQ product pages, 5 November 2026.