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Career Options after 12th Commerce

Published on January 31, 2020 | Uncategorized
Career Options After 12th Commerce – A Complete Guide 2020


Gone are the days when Science used to rule the kingdom of “Career Options after 12th/10th” 

Back in the 1990s, students who scored 80+ in their Senior Secondary were expected to chart down the path of Science. Anyone who scored below 70% was given “Commerce” as the only probable option. Arts was the last option in most of the cases. 

Most of them end taking Science (also because it is recommended as a “wise choice” by the society) and land in an engineering college only to realize engineering was never the subject they wanted to pursue in the first place. 

Now to subdue this pain of “I wasted 4 years of my life and I am still not sure what to do” they decide to opt for an MBA. 

Another 2 years down the drain

Quite relatable? Career guidance by experienced professionals can help!

Now, coming back to the topic of this blog – what are the career options that a student can opt after 12th commerce? Let’s find out!

With the recent economic trends, there is more scope for students in the field of accounting, stockbroking, finance and so on. 

Deep dive into the sea of “Commerce” begins!

What is Commerce?

Commerce is the science of buying and selling goods and services. In layman terms, commerce is something that upholds the nations together because it enhances the well being of the citizens by providing jobs and producing worthwhile goods and services. 

When you go to a shop and buy a pen, a transaction happens, the total of all the transactions happening over the world is known as Commerce.   

Why should I take commerce?

Let’s look into the reasons as to why you shouldn’t choose commerce.

You shouldn’t:

  1. Because you have scored less in 10th and have this notion that “Science in only for scholars”. 
  2. Because you want to make lots of money and commerce essentially means money. 
  3. Because your friends are opting for commerce and you want to be in the same class/school/college. 
  4. Because your Uncle tells you that Commerce has good scope and when you ask him why he doesn’t have a practical answer. But only because he is your uncle – you assume that he is almost always right. 

Why you should choose Commerce after 10th or 12th: 

  1. If you love maths, stats, probability and have an affinity towards numbers.
  2. If you aspire to start your own business in the future and want to understand the commercial part of it. 
  3. If you have a family business and wish to keep it growing. 
  4. If you love economics, finance, accounting or would love to explore the stock market world. 
  5.  If you aspire to become a professor/teacher and at the same time love numbers and theory.

Career Options after 12th Commerce

Career options to consider after 12th commerce

Chartered Accountant:

Chartered accountancy deals with managing account activities for corporations, individual clients and financial institutions. Every Accounts person should ensure better returns on clients’ taxes, analyze the financial documents and educate companies on long term financial planning strategies. 

They can even take up ownership of the entire financial management of the company or consult with companies on a contract basis.

3 facts on becoming a CA

  • It helps if one can be a good Math person because Chartered accountants would be dealing with communicating the numbers on paper to the client. 
  • One has to clear CPT, practice CA under an authentic expert, and pass the final CA’s exam to become a Chartered Accountant. 
  • An average CA designation gets an LPA of around 13-20.

Actuarial Science:

Actuaries are always in the need of the hour because they tend to spin conclusions with numbers. They get to deal with real-time data, mix logic into it and come up with solutions that involve risk but worthwhile ones which can reap high rewards in the later stages.

They protect the companies from any undesirable future events by forming efficient and structured risk management policies. 

3 facts on becoming an Actuary

  • Got to specialize on data, math knowledge, calculus, and Statistics.
  • After your Boards, choose an undergrad program in Stat, Commerce or Actuarial Science, take the Actuarial Common Entrance Test (ACET) and clear the 15 Actuarial Science Stages.
  • You can expect around an average of 10-18 LPA for an Acturia Science designation.

As per the industry reports, for 300 plus insurance products sold in the country, there are only 375 fully qualified actuaries. The Institute of Actuaries of India currently has 8700 members but only 375 are fully qualified while 160 are associate. This determines a huge gap in the demand-supply side of actuaries and can be considered as a rewarding career option after 12th commerce by students.

Company Secretaryship:

A company secretary is basically like a secretary of a company, who oversees whether the firm is ensuring compliance with statutory and regulatory requirements. In addition to this, he/she also makes sure that the decisions that are taken by the board of directors are put into execution. 

3 facts on becoming a Company Secretary

  • Should love organizing things and have good IT literacy.
  • There are three levels of examinations that one has to clear to become a Company Secretary. 
    • Foundation Programme
    • Executive Programme
    • Professional Programme
  • You can expect an average of 6-12 LPA.

Cost and Works Accountant:

A CWA determines the total cost of the business by looking into the data, studying it and planning activities such as raw material purchases, inventory, labor among other primary constituents of a business. 

This role would also involve preparing periodic reports and analyzing the manufacturing costs to the standard costs. 

3 facts on becoming a Cost and Works Accountant

  • Must have a strong Cost systems background with good analytical skills and a sound understanding of accounting principals.
  • A bachelor’s degree in accountancy is a must for any entry-level position. One can do an MBA in finance after this or can give exams like Certified Management Accountants (CMA) which is recognized all over the world.
  • You can expect an average of 4-7 LPA.

Stock Broking:

Buying and selling of stocks in the market are known as stockbroking. Stockbrokers help out clients with different strategies and suggestions on which stocks to buy and sell. One can take this as a full-time profession or even work as a discount broker.

3 facts about becoming a stockbroker.

  • Must have the science of decision making, and the ability to work in a high-stress environment.
  • There is not any mandatory course or exams to clear to get into stockbroking, but a strong commerce or accounts background would help.
  • The pay would surely depend on your ability and how you showcase yourself.

What other options can I look at apart from BBA & B.Com? 

There are multiple courses that one can opt for apart from BBA & B.Com.

  • Bachelor in Statistics
  • Bachelor in Financial Management
  • Bachelor in Accounting and Finance
  • Bachelor in Actuarial Sciences
  • Bachelor in Economics
  • Bachelor in Mathematics
  • Bachelor in Computer Applications

Navigus wishes you all the best!

If you have any queries, do let us know in the comments below. We’ll add it to the FAQ section of the blog. You can also do your majors in commerce abroad, this could give you a broad understanding of worldwide policies.


Navigus is a data-driven academic & professional career guidance company based out of Bengaluru. We equip students and young professionals with an unbiased personalized guide to a thriving career through a finely balanced blend of objectivity of data science, technology, and subjectivity, the empathy of humans.

Wish to get in touch with us? Email us at

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