Server denied POP3 access for the given username and password

 Server denied POP3 access for the given username and password

Hi, I have a zoho email account that I want to fetch to Gmail, however, it is giving me error "   Server denied POP3 access for the given username and password.    Server returned error: "Authentication failed"   ".

I have entered the correct email, password and following Incoming Server Settings:
Incoming Server Name:    pop.zoho.com  
Port:    995  
Require SSL:    Yes

I have not enabled TFA for my account, then why it is giving me this error?