Professional career after 12th commerce anyone must consider! (high pay)

Deciding the right career option after class 10th and 12th can be a hard choice to make and the most important thing as well. If you are in class 10th or 12th then you are probably reading this to find out whether taking commerce after class 10th is the right choice or which career option you should go for after completing class 12th commerce.

So here is the list of high pay career and courses after class 12th commerce you should consider: 

1. Banking (40K to 1lac per month +)
2. Accounts (15K - 30K per month)
3. Insurance (10K to 1 lac per month +)
4. Chartered Accountant (7 to 8 lac per annum +)
5. Company Secretary (30K to 40K per month+)
6. Stockbroking  (5 to 7 lakhs per annum +)
7. Agricultural Economics (6 lakhs per annum)
8. Business Consultancies (13 lacks per annum +)
9. Auditing (5 to 6  lakhs per annum )
10. Foreign Trade (1.2 lakhs per annum +)
11. Investment Banking (10 lakhs per annum +)
12. Budget Analyst (10-15K per month +)
13. Chief Financial Officer (20-60 lakhs per annum)
14. Production Manager (5-20 lakhs per annum)
15. Marketing (2 to 3 lakhs per annum +)

Let's learn about each of these career options in detail which will help you to find the right career for you.

1. Banking  (40K to 1lac per month +):

If you are from a commerce background or worried about your career selection then thought which definitely will hit you would be the banking sector as a career option. Well, this is definitely a good choice and field as a career.


Everybody wants to work where they are satisfied and enjoy at the same time. According to this research paper by K.R Sowmya and N. Panachanatham on job satisfaction of employees of the banking sector. Job satisfaction is based on 5 different points and the banking sector is a satisfactory job.

Salary: The banking sector deals with finance and therefore you get high pay in the banking field which obviously depends on your designation but on average a bank employee can earn around 40K to even 1 lac per month and even more than that depending upon your designation and experience.

Pros and cons:

Advantages Disadvantages
Private bank: Good Schemes No family time
Salary hike Continues working hour
Good remuneration No social and public life
Have a monthly target to achieve
Public bank: Job security No time
No monthly target No social life
Respect Language issue
Transfer to a new place every year Transfer to a rural area

Eligibility: In the banking sector, there are basically two positions 1. Clerical 2. PO (Probationary post)

Courses and examination: Here is the list of examination to get a job in government and private banks:

  1. IBPS (Institute of banking personnel selection)
  2. SBI PO (State bank of India probationary officer)
  3. RBI (Reserve bank of India) exam
  4. NABARD (National bank of agricultural and ruler development)
  5. CWE (Common Written Examination)

2. Accounts (15K - 30K per month):

Managing accounts is an important task so that you know your expenditure and another sort of thing. Well, accounting is important but at the same time, it's a headache as well for a person who doesn't like maths and not good with numbers.


Therefore accountants are needed in order to prepare and examine the financial records. They are also responsible to make sure all accounts are accurate and tax is paid properly.

Salary: An accountant in India can earn around 15K to 30K per month. I know it seems pretty less to go as a career option but you don't need much qualification to be an accountant and it can be a good option to go for higher studies while doing accounting alongside.

Pros and cons:

Advantages Disadvantages
Clear career path Education is ongoing
A stable and growing field Work can seem dull
Professional growth Always busy
High pay Stressful
Can work wherever you want

Eligibility: To become accountant you need to complete class 12th with commerce background with accounts, economics and mathematics as preferred subjects. After that, complete your graduation in the commerce stream such as is the preferred qualification for an accountant job.

3. Insurance (10K to 1 lac per month +):

Insurance is the agreement between insurance company and customer where a customer needs to pay some amount of money annually and in return, they will get a huge amount of money in case of difficulty.

Insurance is a must to overcome problems like health problems, car accidents or sudden death. In these cases, you will a huge amount of money. Nowadays Insurance is a must for everyone and insurance companies are coming up with different policies to attract more buyers.

In this agreement between an insurance company and the buyer, you can become an insurance agent who will find potential buyers and sell them the company insurance policies.

Salary: Being an insurance agent you can easily earn around 10K to 30K per month as a fresher which is quite good and after gaining some experience you can even go as high as up to 1 lac per month.

Pros and cons:

Advantages Disadvantages
Establishing relationships with customers. It takes time to convince and build a customer base
Using different programs/systems to track and manage sales. Customers will waste your time.
Decent pay (with your customer base + commission) It can take years to build solid connections
Markets barely differ and you can go anywhere and earn with your past experience and skills You will find yourself stuck.
You can even open your own agency or can go into corporates

Eligibility: The minimum education qualification for an insurance agent is to complete your class 12th commerce stream is recommended because you have to deal with lots of numbers. Communication skills and convincing skills are important.

4. Chartered accountant (7-8 lacs per annum +):

If you are thinking to take commerce after class 10th or if you are already from commerce stream then I am sure you have thanked me for being a chartered accountant a.k.a CA. Well, it's a very reputed and high pay career option to go for.

Being a chartered accountant is a tough job and clearing exam to become CA is also hard. Even some of my friends are still preparing for the CAT exam and they have already given 2 attempts so this exam is not easy to crack.

As a chartered accountant you can go for public practice such as providing financing to clients apart from that you can also provide audit, tax-accountancy service, business advice to your clients. You can go for business where you will be assigned as the role of the fund manager and financial director.

Other than that there are many other options as well once you become a chartered accountant.

Just because you get so much perk, but with that responsibilities also do come along. You will be in constant pressure of the job and will have so much work to do if you are not willing to spend your life this way then you should not consider it as a career option.

According to this research paper student opts for CA for only two reasons

  1. As the sum of interaction between the belief that becoming CA will lead to certain particular outcome 
  2. Is the ratio where the numerator is the belief in the benefits and denominators is the belief's in the cost of becoming CA.

Salary: In India, as a fresher, you can easily earn 7-8 lacs per annum as a fresher and this can go up as high as you want. 

Pros and Cons: 

The advantages and disadvantages in accounting and chartered accounting are almost the same.

Advantages Disadvantages
Clear career path Education is ongoing
A stable and growing field Work can seem dull
Professional growth Always busy
High pay Stressful
Can work wherever you want It's hard to crack CA exam

Eligibility: To become a CA you need to qualify CA exam CPT (Common Proficiency Test) and to be eligible for CPT you need to complete your 10th and 12th from a recognized board of education.

5. Company secretary (30-40K per month +):

Well, we all have heard about CA and the next thing which comes in our mind after CA is CS (Company secretary). This post is also equally reputed like CA but with more responsibility.

Being a company secretary is not an easy job you are one of the principal offices in a company. Work of a company secretary includes:

  1. To complete the tax return of the company.
  2. To keep the records of the company.
  3. To give advice to the board of directors of their legal obligation. 
  4. Carrying out finance, accounts, legal administration with other secretarial duties. 

Around 9-10 CA will work under you if you are a CS.
Salary: As a Company secretary you earn around  30K - 40K per month as a fresher but with more experience, you can earn more it's pretty less compare to the job profile and work you need to do but with more experience and working in big companies you can earn more.

Pros and cons:

Advantages Disadvantages
High salary. Low work week
Travelling opportunities in the form of trips. Less time for family and friends
Can do whatever they want The high amount of stress and workload

Eligibility: To become a CS you need to complete your CS course which is basically divided into 3 parts.

  1. Foundation Programme 
  2. Executive programme 
  3. Professional programme.

You need to complete all the three programme of CS courses to become one. The foundation programme is a 8 months programme and eligibility criteria is that class 12th should be complete.

After that, you need to go for the executive program which is a 9-months programme and eligibility criteria for this is the foundation programme should be complete.

After that go for the professional programme which is a 10 months programme and eligibility criteria for this is the executive program should be cleared.

6. Stockbroking (5 to 7 lakhs per annum +):

We all have heard the word "sensex" or "share market" where we can put shares or stock of companies many people invest in these shares to get high returns in money. All this is a game of numbers and if you are one who is interested in sensex and good at handling finance then a career as stockbroking is suited for you.

Stock broker
Stock broker

A stockbroker is a stock agent who makes stock trades on behalf of investors they are also known as security sales agents or securities. They are good with the number and therefore give valuable information to their clients and help them where and when to invest and sell their stocks.

In exchange for this, they charge some amount of commission.

Salary: Well amount of money you will earn mostly depends on your skills and how good you are with numbers. On average, if you are new in this field you can earn about 2 to 3 lakhs per annum and after gaining experience 5 to 7 lakhs per annum, but depending upon your skills you can earn even more than that.

Pros and cons:

Advantages Disadvantages
High salary. Depend on your skills and investments
Can grow any business with proper skills Need to deal with lots of stress and be alert every time

Eligibility: To become a stockbroker you need to have a minimum 2-year experience in the stockbroking field with certification and degree. Here is the list of the different certification courses, Master course, and degree.

Certificate Course
NSE’s Certification in Financial Markets
Post Graduate Diploma in Capital Market and Financial Services
Certificate Programme on Capital Markets
NSE’s Certified Market Professional
Post Graduate Diploma in Fundamentals of Capital Market Development

Degree Course
Bachelor Degree in Finance/ Mathematics/Accounting/ Economics/ Business Management
Bachelor of Commerce (B.Com)

Master Courses (After completing a degree or bachelor course)
Master of Business Administration (MBA) in Finance
Master of Commerce (M.Com)

You can go for anyone of them and 2-year experience in stockbroking to become a stockbroker.

7. Agricultural Economist (6 lakhs per annum):

India is an agricultural country and therefore there is great demand and scope of an agricultural economist here. Being an agricultural economist you need to deal with lots of issues and not just the best utilization of farm resources, accounting, logistics, supply chain management and optimizing the farm output.

Salary: With experience, an agricultural economist can easily earn around 6 lakhs per annum and due to it's growing demand this figure can increase in the near future.

8. Business Consultancies (13 lacs per annum +):

Consultancies are one of the most rewarding jobs in India. We all need advice at one point of our life and this is what a business consultant does. It seems like a pretty easy job like what you have to do? Just give advice.

Business Consultancies
Business Consultancies

But it's harder than it seems. Being a business consultant you need basic analysis of existing practices in the company and give proper advice and recommendation which will lead to growth. So a business consultant deals in an area like marketing, management, accounting and human resource you need to identify and analyze all of them and give proper recommendations.

Salary: As I said earlier it's one of the most rewarding jobs and therefore a business consultant can easily earn around 13 lacs per annum and with gaining more experience and working in a bigger company you can earn even more.

Pros and cons:

Advantages Disadvantages
Variety of work Lot's of travelling
Career growth Less time for family and friends
Good connections and network Stress

Eligibility:  If you willing to go for a business consultant as a career option then after completing your class 12th with commerce you can go for bachelor degree in Business Management or Business Administration (BBA) after that a master degree in Master of Business Administration (MBA) with a specialization in consultancy can improve your chance.

9. Auditing (5 to 6 lakhs per annum):

Auditing is an important career option in India. It's a systematic way of evaluating financial statements and accounts of private business, government, and department. It's an important form of accounting which is necessary for both private as well as public sector.

As an auditor, you are responsible for analyzing and evaluating systems, services, processes and employees. Your job will be to determine the effectiveness and efficiency of the company.

Salary: In India, an auditor can earn around 5 to 6 lakhs per annum easily.

Eligibility: To pursue auditing as a career option you need a bachelor's degree in accounting after completing your class 12th and after completing your bachelor's you need to study chartered accountant program to work as an auditor.

10. Foreign trade (1.2 lacs per anunm +):

Foreign trade is also one of the most rewarding careers and with globalization the business scenario in India has completely changed. Now people are trading goods and services across the border and foreign trade is attracting more and more MNC (Multi-National Company) and big companies in India. 

With this increase in foreign trade and globalization, there is a huge increase in demand for skilled professional people in foreign trade and therefore it can be one of the most rewarding career options for you.

Salary: As a newbie, you can earn around 8K to 10K a month which is around 1.2 lacs per annum which I agree is pretty low but after gaining experience and qualificationn you can earn more and go as high as you want. Bigger MNC and companies generally pay well.

Pros and cons:

Advantages Disadvantages
High pay Long working hours
Opportunity to work with really smart people Less time for friends and family
Great working environment Lack of sleep and expected to be available 24*7
Luxurious lifestyle Lack of routine which causes health issues

Eligibility: If you wish to get into foreign trade then after completing your class 12th with a minimum 50% you need to do an undergraduate or bachelor course in international business.

11. Investment banking (10 lakhs per annum +):

An investment banker is a highly reputed job with lots of rewards and perks. You can earn good amount of money in this career, but what does an investment banker do?

Well as the name suggest if you are thinking of opting for an investment banker than you will need to work with companies and government to help them raise their money by creating bonds, stocks and other financial entities. You will be structured to work with complex financial details in business to buy and sell different assets, acquire or merge with other companies.

Salary: As I said earlier as an investment banker you will be rewarded with many perks and can earn a good amount of money. As an investment banker with some good experience, you can easily earn around 10 lakhs per annum and even more than that depending upon your skills and experience.

Pros and cons:

Advantages Disadvantages
High pay Stress
Working with global brands Dealing with many peoples
You can travel a lot Heavy workload
Plenty of jobs available Very busy industry

Eligibility: A bachelor's degree is required to work as an investment banker on an entry-level analyst position and to work at the senior position you don't need any master's degree but having a master's degree is recommended.

Investment banker needs to obtain a license from FINRA (Financial Industry Regulatory Authority) which is an oversight body who is responsible for securities firm and broker operation in the United States (US).

12. Budget analyst (10-15K per month +):

Managing your expenses is one of the important skills in developing good financial stability and to manage these expenses you need to identify your budget and spend according to it.

A budget analyst is a professional who works for organizations, companies or government bodies to identify there budget and spending. They advice organization institutions on how should they organize their finance and budget.

It's a good career option but you need to be really good with numbers because it's a full-time job where you need to deal with a lot of stress.

Salary: The average salary of a budget analyst in India can be around 10-15K per month I know it's less but working for different organizations and institutes you can still earn pretty decent amount.

Pros and cons:

Advantages Disadvantages
High pay Stress
Job security Dealing with many peoples
Perfect for people who like to work indoor Heavy workload
Normal working hour High skills required
Normal Routine life Not suitable for people who love to work with creativity

Eligibility:  To become a budget analyst you at least need a bachelor's degree in accounts or finance but some companies may ask for a master's degree, therefore, to be at the safer side you should also complete your masters.

If you want to start then after a bachelor's degree you can at least get an entry-level job and I would recommend you do your masters while pursuing this career after bachelor this way you will get experience as well.

13. Chief financial officer (20-60 lakhs per annum):

The chief financial officer is a highly reputed and respected job as the name suggest. Being a chief financial officer you are responsible for planning, implementation, managing and running of all financial activities of a company whether it's business planning or deciding budget of a company.

The chief financial officer is also responsible for maintaining good relations with the investor of companies.

Salary: Chief Financial Officer (CFO) of a company is a reputed job as well as rewarding because being CFO of company you can easily earn 20-60 lakhs per annum and with more experience and working with bigger companies you can earn even more.

Eligibility: The Chief Financial Officer (CFO) is the highest position in finance career and the only person above CFO is the Chief Executive Officer (CEO) of the company. CFO has an educational background from finance, economic, business or management.

You need both a bachelor's and master's degree and once you get into the finance sector than with experience in the company and getting promoted you can be the CFO.

14.  Production Manager (5-20 lakhs per annum):

A production manager is important in many industries to ensure the production of goods. A production manager is responsible for organizing, planning, and scheduling production. They are also responsible to ensure that quality and quantity of the product.

In India due to the rapid growth of the country and opening of different companies, there is an increasing demand for skills production manager and therefore it's a good career option.

Salary: Being a production manager you can easily earn around 5 to 6 lakhs per annum in initial days but after gaining some experience you can go up to 20 lakhs per annum as well. This mostly depends on how big your company is.

Eligibility: To be a production manager you need a master's degree in Business Administration (MBA) after completing your BBA.

Technical knowledge is also important with the skills of management. 

15. Marketing (2 to 3 lakhs per annum +):

Marketing is the key to the success of any company and therefore there is a need for good marketers in any company and therefore it's a good career option. The success of a company depends on how well they are marketing themselves.

If you want to pursue a career in marketing then you should have good communication skills because you need to communicate with many people, analytical thinking, creative skills and negotiation skills.
Salary: Being a marketer, you can easily earn around 15-20K per month in your initial days but depending upon your skills and how good you are at marketing you can earn as much as you want.

Eligibility: Well there is no specific degree required to be a marketer but what matters is your skills. Here are the skills required to be a good marketer

  1. Communication skills
  2. Analytical thinking
  3. Creative skills
  4. Negotiation skills
  5. Body language

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