The users need to generate and use application specific password when accessing the email account via POP/ IMAP or Active Sync if Two Factor Authentication is enabled for the account.

Login to http://www.zoho.com/mail as user
Click My Account link at the top to view Zoho Accounts
From the left menu, select Security >> App passwords.
Under the Application Specific Passwords, click on Generate New Password.
Enter the application name associated with this specific password. The app name is just a reference name, for you to verify/ revoke in future.
Select Generate to view the application specific password.
The device-specific password will be displayed only once and will not be displayed again.
Back to our app's admin, go to "Email Template" tab, paste your app's password to Password field.
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