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25 year old B.Com graduate: Is it too late to start CA?

Pradeep Pramanik |196 Answers |Ask -Follow

Career And Placement Consultant - Answered on Aug 02, 2024

Pradeep Pramanik is a career coach, placement consultant and director at Fast Track Career Consultants, which provides career counselling, soft skills training and placement consultancy services.
Pradeep, who hails from Bhagalpur in Bihar, has worked in the pharmaceutical industry for 15 years in sales, marketing, training and product management roles in companies like Lupin Pharmaceuticals, Elder Pharmaceuticals and Ranbaxy Laboratories.
During his tenure in the pharma industry, he has worked in different states including Bihar, Jharkhand, Andhra Pradesh, Telangana, Karnataka, Maharashtra, Tamil Nadu and West Bengal.
In 1998, he launched Fast Track Career Consultants with the aim of helping youngsters find jobs through the right career counselling, training and placement services.
They also offer HR analysis and appraisal services.
Over the years, he has been invited by management and engineering institutions to discuss education and employment policies, entrepreneurship, soft skills and emerging careers in India.
He has published four books on career counselling and contributed articles to print publications.... more

Question by Simran on Jul 17, 2024Hindi

Career

Sir i am 25 years old girl and my bcom has completed in 2020.since i was preparing for banking exams but unfortunately could not clear now i want to do ca inter. Is this right to start ca at this age.plz reply.

Ans: Dear Ms. Simran,
Once you decide and start your preparation with full dedication , you can clear CA too why you are thinking only about CA Inter . However , before you start your next move , I wish to suggest a few points like , Pl. assess your strengths & weaknesses .Pl. Plan your study and daily routine accordingly since CA is one of the toughest exams like CAT & JEE or NEET or UPSC . As you have wasted almost 4yrs in Banking exams and unfortunately couldn't clear . You have to work very hard . If fund permits you may join any good CA coaching institute. Best of luck

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Career Counsellor - Answered on Dec 26, 2024

Asked by Anonymous - Oct 16, 2024Hindi

Career

Hello Sir, I am 47 Years old from Mumbai with a family ( wife + 2 Kids). I am doing business currently, but as my Daughter is doing CA, I started loving CA course. I want to do CA, but I studied only till SYBCOM last in 1997. As I know,One can do direct entry ( for CA Intermediate) if one has completed is Graduation, but in my case I am not Graduate. Also for Final CA, eligibility criteria is minimum qualification must be Graduate. So at this age and after long Gap How can I complete my Graduation and from which university offer this course ( I Studied from Mumbai University)

Ans: Thank you for your question. I have responded to a similar question recently. You may check my answer here
If you are looking for more details, I would be happy to assist/guide you. All The Best for Your Prosperous Future.

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Nayagam P P |4052 Answers |Ask -Follow

Career Counsellor - Answered on Oct 24, 2024

Question by Faisal - Oct 20, 2024Hindi

Career

I am commerce students graduated from 12 in 2022 ans started preparing for ca but I'm not able to clear ca and my family is saying ti start going college take admission in bca what's should i do, should i start college at 20 or not

Ans: Faisal, please never become discouraged by the failures that everyone experiences. And aging is not a barrier to studying. Recently, it was reported that an 80-year-old man enrolled in a postgraduate course at an open university, despite the fact that he was well-established after working as a faculty member in a polytechnic for more than 30 years and having approximately 15 qualifications. His words were: "Till my last breathe, I do not want to waste my time" . It is best to pursue a graduate in which you are interested and confident that you will be able to develop a successful career. If you believe that pursuing BCA is a good option, go ahead with it. Have faith in yourself, continue to improve your talents even as you pursue your graduation, and conduct extensive study in your field to land a job right after graduation. All the BEST for Your Prosperous Future.

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Nayagam P P |4052 Answers |Ask -Follow

Career Counsellor - Answered on Nov 30, 2024

Asked by Anonymous - Oct 20, 2024Hindi

Career

I graduated from 12 in 2022 and after that i started preparing for ca but still not able to clear my ca foundation and now my parents saying you should opt a college for bcom or bca and after 2 year gap is it possible to go colleege

Ans: Yes. You Can. Indian institutions admit gap year students if you meet eligibility requirements and can explain the gap. You can choose between B.Com or BCA. Gap-admission options include normal colleges, distance/online learning, and private universities. Colleges understand your preparation for competitive exams like CA and prefer to give admission to you. Your next steps should be, researching colleges offering B.Com or BCA, preparing required documents & complete the admission formalities. All the BEST for Your Prosperous Future.
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Latest Questions

Milind Vadjikar |861 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by arpit - Jan 14, 2025Hindi

Money

Hi, I am a new investor 41 yrs old, so far10L invested in various MF categories. Here are list of investments through SIP’sand lumpsum: 20K in Nippon Large Cap, 15K in Quant Mid cap 15K in ICICI Pru multi asset 15K in Parag Parekh flexi cap 15K in Edleweiss small cap 1L lumpsum in Motilal Oswal mid small Healthcare index fund 2L lumpsum in ICICI Pru all season bond fund 12.5K/month in PPF Can I achieve my retirement goals, both child education (9 yrs old & 5 months old), marriage etc. and is there a need to balance my portfolio. Also is there any need me to consider in other investments options.

Ans: Hello;

Your current lumpsum and monthly investment into mutual funds may be adequate to meet the education and marriage requirement of your kids. (~2 Cr)

Apart from that it may provide a retirement corpus (~5 Cr).

If you have a female kid invest in SSY(12.5 K per month) since the interest is more then PPF and other benefits are similar only with different withdrawal stage.

Also you may supplement your retirement planning through NPS (~20 K per month).

Review performance of your funds annually with reference to the category average and benchmark.

Happy Investing;
X: @mars_invest

Milind Vadjikar |861 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Asked by Anonymous - Jan 11, 2025Hindi

Money

I am 48 , Income: Take home 2.5 L / pm , PPF amount 47 L , NPS - 20 L , FD- 37 L , Life Insurance - 80 L, Expenses 75 k /pm . Please advice me a plan for 2 L income / pm from 2036.

Ans: Hello;

You may need a corpus of 6 Cr to generate a post-tax monthly income of 2 L+. (Assuming 6% annuity rate and 30% tax)

Assuming your existing investment stay and continue till 2035(PPF, NPS, FD) it may grow into a cumulative corpus of 2.93 Cr.(12.5 K pm into PPF+47 L @ 6.9%, 20 K pm into NPS+20 L @ 8%, FD of 37 L @ 7.4%)

So you need to fill the gap of (6-2.93=3.07 Cr) through monthly sip.

You may begin with a monthly sip of 1 L into a combination of pure equity mutual funds and step it up each year by a minimum of 3% to reach your target in 11 years.

Here the assumption is that you have term life insurance of 80 L with no maturity value.

If it's an endowment policy then assuming maturity value of 80 L you may attain your target with a flat monthly sip of 83 K into a combination of pure equity mutual funds.

Make sure to move your gains from equity funds into liquid funds as you approach closer to your retirement to avoid it getting affected by market volatility.

Happy Investing;
X: @mars_invest

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by vikas - Jan 15, 2025Hindi

Career

Hello sir I am working in psb as an officer and want to switch but too confuse...

Ans: First tell me why you want to switch over to other organization? Then I can guide you. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

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Career Counsellor - Answered on Jan 16, 2025

Question by Heman - Jan 01, 2025Hindi

Career

Sir, Happy new year 2025, how much SAT score required to get ICT or MnC branch in DA-IICT, for NRI student?

Ans: To be admitted in the (ICT) or (MnC) branches at DAIICT as an NRI student, you need a minimum SAT score of 1068 as per the previous record. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Asked by Anonymous - Dec 22, 2024Hindi

Career

Sir which college should I choose btech biotechnology in andhra university or btech food technology in jntc kalikiri

Ans: Search in net. That can give you the best anser. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Question by KRISHNIKA - Dec 21, 2024Hindi

Career

Hello, i currently pursuing my btech biotechnology course i wanted to do my masters in abroad but i am very much confused to choose in what subject i should do my masters. can you give my some clarity about to go into industrial or research oriented programs.

Ans: You are advised to search in net the topic of your master degree from abroad which can be pursued after the successful completion of the B. Tech Biotechnology course. Search for those subjects linked to Biotechnology and Industrial research. Best of luck. Just follow me. May God Bless You. Professor.....................................:)

Prof Suvasish Mukhopadhyay |297 Answers |Ask -Follow

Career Counsellor - Answered on Jan 16, 2025

Asked by Anonymous - Jan 16, 2025Hindi

Career

My son is working in a multinational energy company. Work culture is very good, salary also good. He did his B.Tech in CSE in the year 2023. He is working as a Software Eng. in the ERP section (less coding). My son is interested coding (creative) related job. He has a GATE (2023) score of 581 (Gen cat). My questions are 1) Is it advisable to do M.Tech in CSE using his GATE score? If yes, then which top Colleges can be preferred? 2) Or, will he continue his present job for few more years to gain experience 3) Or, to switch to a new company? Thanks in advance.

Ans: If he is interested in teaching or research he should go for M.Tech, otherwise not. Let him continue his present job. An online MBA will pay him a lot. Let him go for that. No need to switch over to other company. A rolling stone gathers no moss. Best of luck to him. Just follow me. May God Bless Him. Professor.....................................:)

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by Ashok - Jan 15, 2025Hindi

Money

Hi Sir, I have following MF in my portfolio HDFC mid-cap Opportunity fund - 16.39lac ICICI Pru Large&Mid cap Fund - 9.96lac Nippon India large Cap fund - 10.15lac Nippon india small cap fund - 9.4lac ICICI pru Value discovery fund -9.35lac JM Flexicap fund - 7.39lac ICICI pru infrastructure fund 7.29lac HDFC large and mid cap fund - 6.29lac SBI long term equity fund - 4lac Motilal oswal midcap fund-25k In total 83lac. Please advise whether I can generate 75k per month income from the investment. Thank you in advance

Ans: Dear Ashok, Yes, you can generate ?75,000/month from your ?83 lakh investment portfolio with an average return of around 10-12% per year. Consider using SWP from your equity funds and rebalancing the portfolio to incorporate some safer, income-generating investments like debt funds for stability. Causion is if the returns goes below 12% in any of the Quarters your capital may deplete. and then you might have to reduce withdrawal. Suggesion is that withdraw 6% return only or increase your investments to 1.5 CR sothat your withdrawals exceed your rise in MF amount and your Capital is always protected.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by PREM - Jan 07, 2025Hindi

Money

Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

Nitin Narkhede |50 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 16, 2025

Question by PREM - Jan 04, 2025Hindi

Money

Dear sir, I have completed 8.7months and withdrawn the PF amount. But I have received the certificate from pension authority. Can I get the pension by submitting the certificate at EPFO office or I have to withdraw the money. What to do. Please guide

Ans: Dear Prem,
For eligibility under the Employees' Pension Scheme (EPS), the minimum service requirement is 10 years of service. Unfortunately, with 8 years and 7 months of service, you do not meet the minimum 10-year requirement to be eligible for a monthly pension.
if you have withdrawn the PF amount, check whether your previous employment details were also included, if yes, then you may be eligible for EPS as your services cross 10 years. in that case, you can submit the request for eps pension.
Regards, Nitin Narkhede Founder Prosperity Lifestyle Hub, Free webinar https://bit.ly/PLH-Webinar

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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