Home > Career > Question
Need Expert Advice?Our Gurus Can Help

Confused about Career Path after Commerce Post Graduation?

Prof Suvasish

Prof Suvasish Mukhopadhyay  |536 Answers  |Ask -

Career Counsellor - Answered on Feb 10, 2025

Professor Suvasish Mukhopadhyay, fondly known as ‘happiness guru’, is a mentor and author with 33 years of teaching experience.
He has guided and motivated graduate and postgraduate students in science and technology to choose the right course and excel in their careers.
Professor Suvasish has authored 47 books and counselled thousands of students and individuals about tackling challenges in their careers and relationships in his three-decade-long professional journey.... more
Anshuman Question by Anshuman on Feb 10, 2025Hindi
Listen
Career

I am a post graduate in commerce. According to my qualifications what will I do?

Ans: Search job in private banking sector or some e commerce site.Best of luck.Professor.........:)
Career

You may like to see similar questions and answers below

Nayagam P

Nayagam P P  |4367 Answers  |Ask -

Career Counsellor - Answered on Dec 18, 2024

Listen
Career
sir i am commerce gratuate prepared 2 years for CA coul'd not succeed what are the diff career op for me
Ans: Shri, Some basic reasons for failing CA exams include poor time management, inadequate conceptual clarity, poor presentation skills, neglecting revision, and lack of practice with mock exams. To improve, create a realistic study schedule, focus on crucial topics, practice time-bound mock tests, and use reference books and ICAI study materials. Practice structured answers and follow ICAI language to align with exam expectations. Avoid rote learning and focus on understanding the "why" and "how" behind concepts. Take multiple mock tests and review performance critically to identify weak areas. Stay motivated by setting short-term goals and rewarding yourself for achieving them.

Despite not clearing the CA exams, there are numerous fulfilling career paths for commerce graduates. Some of these include the following, out of which you can choose the most suitable for you and you are interested in:

Financial Analyst/Investment Banking involves financial analysis, research, and dealing with securities, stocks, and bonds. Tax Consultant/Tax Advisor offers tax planning, compliance, and advisory services. Financial Planner/Wealth Manager helps manage finances and long-term wealth goals. MBA can lead to leadership roles in marketing, HR, finance, operations, and entrepreneurship. Banking and Insurance offers stability and growth opportunities. Entrepreneurship requires strong initiative and risk tolerance. Accounting and Audit roles enhance job prospects globally. Digital Marketing, Data Analytics, Human Resources, Stock Market Trading, Corporate Law, and Public Sector Jobs offer job security, stability, and benefits.

All the BEST for your Prosperous Future.

Follow RediffGURUS to Know More on ‘Jobs | Careers | Education’

..Read more

Archana

Archana Deshpande  |103 Answers  |Ask -

Image Coach, Soft Skills Trainer - Answered on Dec 10, 2024

Listen
Career
I am Commerce graduate in which areas can I make my future what are field open for me
Ans: Dear Shree!

Commerce graduates have many career options, I am listing some of them for you-
1.Company Secretary (CS)
A program that teaches corporate governance, company law, compliance, and secretarial practices
2.Chartered Accountant (CA)
A career that involves auditing, taxation, accounting, financial planning, and consulting
2.Investment banker
A career that involves developing financial assets for customers or organizations, and obtaining finance for corporate operations, acquisitions, and mergers
3.Cost Management Accountant (CMA)
A prestigious professional credential that is considered one of the highest-paying career options for commerce students
4.Chartered Financial Analyst (CFA)
A career that involves financial analysis, variant bonds and derivatives, types of portfolios, and investment management
5.Cost accountant
A career that involves assessing cost information, making and maintaining an expenses database, managing cost information, and preparing budget reports
6.Certified Public Accountant (CPA)
A career that involves managing the accounting, reporting, taxation, and auditing processes for businesses, clients, and the government

Some more options for you..
Financial Analyst, HR Manager, Economist, Financial Planner, Actuary, Market Research Analysts, Bank PO (Probationary Officer), Tax Consultant, Teaching students

Can you see the options and the opportunities that are available for you??
You can also focus on further studies too… amassing knowledge and skills can also be your goal.Focus on acquiring wisdom, spend time and energy on worthy tasks, become mentally and physically strong!


Hope this helps… all the very best!

..Read more

Latest Questions
Ramalingam

Ramalingam Kalirajan  |8125 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Mar 21, 2025

Asked by Anonymous - Mar 21, 2025Hindi
Listen
Dear Sir, If I invest in NPS tier 2, do I need to pay tax for the entire amount or just for the interest? Do I need to pay interest every year or at the time of the withdrawal? Please help me how the tax would be calculated. Also suggest if I need to consider any other investment instead of NPS tier 2. Thanks and Regards, Srikanth
Ans: NPS Tier 2 is a flexible investment option. However, it does not have tax benefits like Tier 1. The tax treatment of your investment depends on when and how you withdraw.

Tax on Principal vs. Interest

You do not pay tax on the invested amount.
The entire withdrawal amount, including gains, is taxable as per your income tax slab.
Tax at the Time of Withdrawal

The withdrawal amount is added to your annual income.
You will be taxed as per your income tax slab in that financial year.
Taxation Frequency

There is no annual tax on the interest.
Tax is applicable only at the time of withdrawal.
Limitations of NPS Tier 2
No Tax Benefits

Unlike Tier 1, there are no deductions under Section 80C.
Market-Linked Returns with No Exit Benefits

NPS Tier 2 investments are linked to the market.
However, they do not get the same tax advantages as mutual funds.
Liquidity and Lock-in

There is no mandatory lock-in for regular investors.
For government employees, there is a 3-year lock-in.
Not an Ideal Wealth Creation Tool

Returns are uncertain.
Mutual funds provide better long-term tax efficiency.
Better Alternatives to NPS Tier 2
If your goal is wealth creation, consider these options:

Equity Mutual Funds
They offer long-term wealth growth.
Actively managed funds aim for better returns than passive funds.
Long-term capital gains (LTCG) above Rs. 1.25 lakh are taxed at 12.5%.
Short-term capital gains (STCG) are taxed at 20%.
Debt Mutual Funds
Suitable for stability with moderate returns.
Gains are taxed as per your income tax slab.
More flexible than NPS Tier 2.
Gold ETF
Good for diversification.
Easy to buy and sell.
Gains are taxed as per your income tax slab.
PPF (Public Provident Fund)
A safe, long-term option.
Completely tax-free returns.
Limited liquidity.
Final Insights
NPS Tier 2 does not provide tax benefits.
The entire withdrawal amount is taxable.
Mutual funds offer better tax efficiency and flexibility.
Equity funds can create wealth over 10-15 years.
Debt funds offer stability with better liquidity.
Consider gold ETF and PPF for diversification.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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.

Close  

You haven't logged in yet. To ask a question, Please Log in below
Login

A verification OTP will be sent to this
Mobile Number / Email

Enter OTP
A 6 digit code has been sent to

Resend OTP in120seconds

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus
Sign up

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

Enter OTP
A 6 digit code has been sent to Mobile

Resend OTP in120seconds

x