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?