15 Top-Paying Commerce Stream Jobs: Your Guide to Lucrative Career Opportunities

December 21, 2023
commerce stream jobs

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“Commerce changes the fate and genius of nations”. -Thomas Gray 

With over 40 lakh students enrolled in the commerce stream, it is safe to say that commerce stream jobs are one of the preferred jobs among youth. And the reason behind this is quite clear the commerce field is something which is growing every year, opening better and newer commerce career options. The times are gone when students only aspired to become Doctors or Engineers, today students want to become CA, CS or Financial planners and make a change in the economy of the nation.   

And not just CA or CS there are several other commerce stream jobs which are quite fulfilling and in-demand and some of them are commerce stream jobs without maths, which means you don’t have to know what is (a+b)2 to excel in your commerce career. Want to know what are these commerce stream jobs, then read the article till the end.

15 Highest Salary Commerce Stream Jobs in 2023-24

S. No. Job Job Description Average Salary in India 
Forensic Accountant Financial Detective: Investigate fraud, analyze data, provide expert testimony. INR 7.5 LPA 
Financial Planner Plan finances, optimize investments, secure financial goals. INR 3.5 LPA 
Product Management Drive strategy, guide development, ensure market success. INR 16.9 LPA 
Digital Marketing Optimize online presence, drive marketing campaigns. INR 3 LPA 
Data Analyst   Analyze, visualize, and derive actionable insights. INR 4 LPA 
Chartered Accountant (CA) Auditing, Advising, Managing Financial Statements INR 6-7 LPA 
Marketing Manager Promotion, Price Setting, Advertisements, Flow of Information to consumers INR 10 LPA 
Investment Banker Investment advise, Technical knowledge, Financial Sector expertise INR 13 LPA 
Human Resource Manager Hiring, Payroll management, Leaves sanctions, Handling grievances INR 7 LPA 
10 Chartered Financial Analyst (CFA) Risk Management, Portfolio Management, Investment Banking INR 6-10 LPA 
11 Certified Public Accountant (CPA) Audit, Taxation, Financial Planning, Advising INR 8-10 LPA 
12 Actuary Risk Management in Insurance and other financial sectors. INR 10-18 LPA 
13 Cost Accountant Analysing costs of the company and providing the basis for financial decisions INR 7 LPA 
14 Business Accountant and Taxation Recording transactions, preparing financial statements and complying with tax regulations. INR 4-8 LPA 
15 Retail Manager Dealing with customer queries, Managing store inventory and maintaining statistical records, motivating sales team, meeting sales target INR 5-8 LPA 
Did You Know Fact about Commerce Stream

List of Commerce Stream Jobs with Skills, Courses and Companies

1. Forensic Accountant 

Forensic accountancy is one of specialized commerce stream jobs that combines accounting, auditing, and investigation to detect and prevent financial frauds or misconducts. And forensic accountants are the professionals who utilize their expertise to analyse financial records, track money trails, and provide expert testimony in legal proceedings. They play a crucial role in uncovering financial irregularities, identifying fraudulent activities, and assessing the financial impact of legal disputes.  

Important Skills to be a good Forensic Accountant candidate:

  • Accounting and Auditing Knowledge 
  • Forensic Accounting Expertise 
  • Investigative Skills 
  • Legal Knowledge 
  • Attention to Detail 

The average salary of a Forensic Accountant in India is around INR 7.5 LPA

Important courses to become a good Forensic Accountant:

  • B.Com
  • BSc Finance
  • MSc Finance 
  • MBA in Finance 

Companies that hire Forensic Accountant professionals are:

  • KPMG 
  • Deloitte
  • Pipara & Co. 
  • Cognizant 
  • Ernst & Young 

2. Financial Planner 

The financial planning profession is another best career in commerce, it involves helping individuals and businesses to manage their financial resources effectively. And it is a financial planner who assesses their client’s financial goals, their current financial situation, and develops comprehensive plans to achieve those goals. Their work is to provide guidance on investments, retirement planning, tax strategies, insurance coverage, and estate planning.  

Important Skills to be a good Financial Planner:

The average salary of a Financial Planner is around INR 3.5 LPA, in India.  

Important courses to become a good Financial Planner:

  • B.Com
  • BBA Finance 
  • MBA Finance 
  • B.Stat. (Bachelor of Statistics) 

Companies that hire Budget Analyst:

  • Bajaj Capital 
  • Shell 
  • HDFC Securities 
  • Capgemini 
  • TCS 

Recommended Read: Is Finance a Good Career Path for 2023

3. Product management 

Product management is a dynamic commerce stream jobs after 12 that is focused on driving the successful development and launch of products. And product managers are professionals responsible for understanding market needs, defining the product vision, and collaborating with cross-functional teams to create and deliver innovative solutions. They conduct market research, analyse competition, prioritize features, and guide product development processes from conception to launch.  

Important Skills to be a good Product Management candidate:

  • Product Strategy 
  • Data Analysis Skills 
  • Technical Understanding 
  • User-Centric Thinking 

The average salary of a Product Manager in India is around INR 16.9 LPA which a one of great pay commerce stream jobs for candidates. 

Important courses to become a good Product Manager:

  • BBA 
  • MBA 
  • Bachelor of Business Management 

Major companies that hire Product Managers: 

  • Tata Consultancy Services (TCS)
  • Bharti Airtel 
  • Reliance Jio 
  • Cognizant 
  • Accenture 

4. Digital Marketing

Digital marketing is a profession that focuses on promoting products or services using online channels, it is one of the fastest growing commerce stream jobs in today’s time. It involves various strategies such as search engine optimization (SEO), social media marketing, content creation, to reach the target audience and drive desired actions.  

Important skills to become a good Digital Marketer:

  • Understanding of Marketing Principles 
  • Search Engine Optimization (SEO)
  • Social Media Marketing 
  • Data Analysis and Interpretation 
  • Analytical and Problem-Solving Skills 

The average salary in Digital Marketing is around INR 3.0 LPA, which can increase with experience.  

Important course to do to become Digital Marketer:

  • Online Bachelors in Marketing 
  • Masters in Digital Marketing 
  • BBA in Digital Marketing 
  • Digital Marketing Certificate courses 

Companies that hire Digital Marketer for highest paying commerce stream jobs:

  • Freelancer.com 
  • Accenture 
  • Amazon 
  • Google 
  • Cognizant 

Also, read: 2023 Guide to Become a Freelance Digital Marketing Professional

5. Data Analyst  

Data analysis is a great choice for commerce stream jobs in India. It is a profession focused on extracting valuable insights from complex datasets. In this field data analysts utilize statistical techniques and advanced tools to collect, clean, analyse, and interpret data, enabling businesses to make informed decisions. Thus, playing a pivotal role in driving data-driven decision-making processes across industries. 

Important skills to become a good Data Analyst:

  • Data Visualization
  • Data Manipulation 
  • Statistical Analysis 
  • Data Mining and Cleaning 

The average salary of a Data Analyst from commerce stream in India is around INR 4.1 LPA.  

Important courses to become a Data Analyst: 

  • BSc in Computer science 
  • BCA 
  • B.E. 
  • B.Tech 

Companies that hire Data Analyst:

  • Accenture 
  • Cognizant 
  • Wipro 
  • Tech Mahindra 
  • Straive  

6. Chartered Accountant (CA)

Chartered Accountant, or what is commonly known as CA, is one of India’s best commerce jobs that one can aspire to be. CA is regulated by The Institute of Chartered Accountants of India (ICAI). A Chartered Account gives advice, audits financial statements and prepares accounts for individuals and firms with trustworthy information about financial records, including taxation.

Recommended Read: What is CA and the Pathway to Becoming a Chartered Accountant in India

Important Skills to be a good Chartered Accountant:

  • Conceptual understanding of the subjects learnt in the course of studying CA
  • The willingness to read and work with numbers
  • Analytical Skills
  • Communication Skills
  • Business Knowledge
  • Technical Knowledge

The average salary for a fresher in CA jobs for commerce students is INR 6-7 lakhs per annum. The salary is subject to continuous increment with growing experience and performance upliftment. This makes CA one of the best commerce stream jobs.

Also, read: Salary of a Chartered Accountant in India: A Comprehensive Guide

Important courses to supplement the qualification:

  • B.Com. (Hons/Prog)
  • BBA
  • BA (Prog) Accountancy
  • B.Sc. in Applied Accountancy

Companies that hire CAs for highest paying commerce jobs:

  • EY
  • Deloitte
  • KPMG
  • PwC

7. Marketing Manager

Marketing is a wide field that entails the visibility of every company. It revolves around the 4 Ps of a business- Promotion, Packaging, Pricing and Product. The information that reaches the consumers and general public in the market is what marketing deals with. The medium of transfer of information to the people is included in the various decisions by the marketing team.

Marketing Manager is one of the most famous commerce stream jobs in India. Marketing Managers are responsible for developing, implementing and executing strategies dedicated to an organisation’s marketing. Some of the duties of a marketing manager include the promotion of business, goods, services and brands. They generate new business leads, set the pricing strategies, decide upon the packaging and manage the marketing team to implement the decisions at the ground level.

Important Skills required to be a good Marketing Manager:

  • Ability to understand the consumer.
  • Critical thought process.
  • Problem Solving ability.
  • Creativity.
  • Good team worker.
  • Communication and Networking.
  • Adaptability to change.
  • Technological knowledge.
  • Knowing the sales process.

The average salary of a marketing manager in India is INR 10 lakhs per annum, with a major portion of the salary being variable, i.e., dependent upon the results produced by the manager.

Important courses to become the best Marketing Manager:

  • BBA
  • BMS
  • MSc in Marketing
  • Masters in Digital Marketing

Companies that hire Marketing Managers as the highest paying jobs in commerce:

  • Amazon
  • Zomato
  • Swiggy
  • BYJU’S
  • Oracle
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8. Investment Banker

We have often heard that all that is earned should not be spent. Some portion of our income should be saved for unforeseen circumstances. But just saving is not enough. Since we know that inflation will decrease the value of money, the savings need to grow to keep up with inflation and keep the savings valuable and growing. This is the job of an Investment Banker.

Investment banking is one of the most aspired commerce stream jobs. The stock markets of India are experiencing more volatility and expansion, and the emergence of the crypto-currency market gives rise to more opportunities to multiply the savings exponentially. Investment Bankers are professionals who combine their expertise in the financial sector and analytical skills to persuade institutional clients in activities like capital upraising and mergers and acquisitions (M&A).

Important skills to be a good Investment Banker:

  • Knowledge of the financial sector, including different investment assets and changes in the surrounding environment.
  • Excellent proficiency in technical skills.
  • Analytical thought process.
  • Persuasive Communication skills.
  • Team player.
  • Time management.
  • Confidence.

The average salary of an Investment Banker in India is INR 13 lakhs per annum. However, a good investment banker takes years of experience in the field.

Important courses to become the best Investment Banker:

Companies that hire investment bankers as the best job for commerce students:

  • Goldman Sachs
  • JP Morgan Chase
  • Citi group
  • Morgan Stanley
  • Credit Suisse

9. Human Resource Manager (HR Manager)

A Human Resource Manager’s routine functions include hiring and onboarding, payroll management, leave sanctions, and enforcing the company’s policies and procedures. They are also responsible for overseeing the company’s administration, and a human resource manager also addresses employee’s personal grievances.

Important Skills to be a good Human Resource Manager:

  • Empathy
  • Teamwork
  • Awareness of the company’s policies and procedures
  • Alertness
  • Communication
  • Confidence
  • Leadership
  • Problem-solving skills

The average salary of a Human Resource Manager in India is INR 7 lakhs per annum, ranging from INR 3-18 lakhs. The experience counts as much as the enhancement of soft skills in becoming a high-paying Human Resource Manager. This makes it a great job for commerce students.

Important courses to become the best Human Resource Manager:

  • Bachelor in HRM
  • Diploma in HRM
  • M.Sc. in HRM
  • MBA in HRM

Companies that hire Human Resource Managers:

  • SutraHR
  • ABC Consultants
  • Randstad India
  • Kelly Services India
  • IKYA Human Capital

10. Chartered Financial Analyst (CFA)

A Chartered Financial Analyst (CFA) charter is awarded to the students who have completed the CFA curriculum and the required experience. CFA is a course of study that broadly covers three sections: investment tools, valuing assets, portfolio management, and wealth planning. This course details investment banking sector subjects, which makes this one of the best commerce stream jobs.

The CFA program’s background includes finance, accounting, economics and business. CFA charter holders are presumed to be eligible to work as senior and executive positions in risk management, investment banking and asset management, among the many other fields.

Important Skills required to become a good Chartered Financial Analyst:

  • Self-Discipline
  • Decision Making
  • Analytical mindset
  • Communication
  • Attention to Detail

The average salary of a CFA charter holder in India is INR 6-10 lakhs per annum for level 2 employees. As the proficiency of work increases, the salary increases exponentially with virtually no upper limit.

Important courses to supplement the qualification:

  • Bachelors in Finance
  • Masters in Finance
  • BBA
  • MBA in Finance

Companies that hire CFA candidates as one of the highest salary jobs for commerce students:

  • JP Morgan Chase
  • UBS
  • Bank of America Merrill Lynch
  • RBC
  • HSBC

Recommended Read: Career Path and Scope of CFA in India

11. Certified Public Accountant (CPA)

Certified Public Accountant (CPA) is administered by the American Institute of Certified Public Accountants (AICPA). This course distinguishes the candidates from other commerce stream jobs as professionals committed to protecting the interests of the public at large. The professionals can be responsible for internal and external audits and provide important attestations to inform investors about the financial health and safety of the organization. They also apply their valuable expertise and advice on taxation and financial planning.

Important Skills to be a good Chartered Public Accountant:

  • Confidence in the work produced by the professional
  • Analytical mindset
  • Ability to work with numbers
  • Understanding of financial sector
  • Keeping up with changes in the environment

The average salary of a CPA in India is INR 8-10 LPA. This is one of the highest-paying jobs in commerce in India. Since the program CPA is recognized globally, it gives candidates access to a wider forum of job opportunities.

Important courses to supplement the qualification:

  • B.Com. (Hons/Prog)
  • B.Sc. in Finance
  • MBA in Finance
  • M.Sc. in Finance

Companies that hire CPA professionals as one of the best jobs for commerce students:

  • Deloitte
  • Genpact
  • Accenture
  • Tata Consultancy Services

12. Actuarial Science

This field studies and assesses financial risks in insurance banking and other financial sectors with the help of mathematical and statistical methods. It is believed that actuarial sciences with the combination of Economics Honors at the Graduation level are among the best and highest paying commerce stream jobs.

The commerce career options are widened by actuarial science because the extreme level of statistics combined with financial and economics expertise helps the professionals to provide a wide variety of services, one of which is risk management.

Important Skills to be a good Actuarial Professional:

  • Analytical Skills
  • Computer Skills
  • Problem Solving Skills
  • Technical Knowledge
  • Mathematical Brilliance
  • Business and Financial Sector Knowledge
  • Communication and Interpersonal Skills

The average salary of a qualified actuarial professional in India is INR 10-18 lakhs per annum. Some companies even hire partly qualified actuarial aspirants, and the salary tends to increase with every paper the candidate clears.

Important courses to supplement the qualification:

  • BA (Hons) Economics
  • B.Sc. in Actuarial Sciences
  • M.Sc. in Actuarial Sciences
  • M.Sc. in Financial Mathematics

Companies that hire actuarial science professionals:

  • Milliman
  • Liberty Mutual
  • Towers Watson
  • ING
  • Aon Hewitt

13. Cost Accountant

A cost accountant is one of the most promising emerging career options with multiple jobs for commerce students. Professionals of cost accounting are responsible for analyzing costs relating to purchases and expenditures in a company. Especially in the manufacturing industry, there are various commerce stream jobs, but this is in great demand. Cost Accountants give valuable insight into the company’s cost analysis and help evaluate the organisation’s costs in different ways, in which the decisions suit the best.

The most popular qualification for becoming a cost accountant and attaining one of the most prestigious commerce stream jobs is Certified Management Accountant (CMA), governed by the Institute of Certified Management Accountants of India (ICMAI). However, many countries have this course. Like CA, even this has five groups and typically takes around two and a half years to complete. CMA professionals hold the most prestigious cost accountant job offerings in India.

Important Skills to be a good cost accountant:

  • Understanding and differentiating different costing methods.
  • Ability to recognize and identify appropriate costs to the company.
  • Ability to think out of the box.
  • Analytical thought process.
  • Communication and Coordination.
  • Proficiency in technical skills.

The average salary of a Cost Accountant in India is INR 7 LPA.

Important courses to become a good Cost Accountant:

  • CPA
  • ACCA
  • CA
  • B.Com. (Hons/Prog)

Companies that hire cost accountants as interns or jobs for commerce students after 12th or CMA:

  • Larsen and Toubro
  • Tata Consultancy Services
  • DuPont
  • Accenture
  • Infosys

14. Business Accountant and Taxation

The business Accountant and Taxation profession is one in which the professional is responsible for managing the complete books of accounts, preparing an organisation’s financial statements, and complying with the taxation requirements. This is one of those commerce stream jobs where the professional holds much responsibility. Records of any nature ought to be recorded and managed by a professional. Starting from recording journal entries, maintaining ledger accountants and preparing a trial balance and the various financial statement is the responsibility of the business accountant.

This is one of the highest-paid commerce jobs designed for candidates whose core areas of interest are finance, accounting and taxation. Practical application of all direct and indirect taxes along with strong excel, accounting and reporting skills are encapsulated by a business accountant and taxation professional.

Important Skills to be a good business accountant and taxation candidate:

  • Ability to work for long hours with patience.
  • In-depth knowledge and practical experience of direct and indirect taxation.
  • Excellence in MS Office, especially MS Excel.
  • Communication and reporting skills.
  • Team player.
  • Dedication and love for work.

The average salary of a business accountant and taxation professional in India is INR 4-8 LPA.

Important courses to become a good Business Accountant and Taxation:

  • B.Com. (Hons/Prog)
  • B.Sc. in Applied Accountancy
  • MBA in Accounting

Companies that hire Business Accountant and Taxation professionals are:

  • PwC
  • Deloitte
  • KPMG
  • EY
  • Grand Thornton

15. Retail Manager

Retail manager is one of the sales commerce stream jobs that involve dealing with customer queries, managing stores and sales team, maintaining statistical and financial records, overseeing inventory and pricing and motivating the team to perform necessary duties to meet the sales target.

Surveys have established that promotions, increments and benefits are generally high, with established retail chains offering the best opportunities and incomes. Retail Manager is not one of the entry-level commerce stream jobs. Usually, the freshers aspiring to be a retail manager join as a sales executive and with significant promotions, the candidate will be promoted to a store or retail manager.

Important Skills to be a good Retail Manager:

  • Communication and convincing skills.
  • Ability to work with a team and motivate the team members.
  • Leadership skills.
  • Effective customer service.
  • Decision making.
  • Multi-tasking and time management.

The average salary of a Retail Manager in India is INR 5-8 lakhs per annum. However, we can establish that a major chunk of salary depends upon the sales achieved in a particular period.

Important courses to become a good Retail Manager:

  • Bachelors in Retail Management
  • BBA
  • BMS
  • MBA

Major companies that hire Retail Managers as the highest paying commerce stream jobs:

  • Reliance Industries
  • Bharti Airtel
  • Aditya Birla Group
  • Jio
  • Amazon
  • Puma

Types of Analysts in Commerce Stream Jobs

1. Financial Analyst

A financial analyst is responsible for scrutinizing an organization’s financial records to provide valuable feedback on the company’s historical performance and the future aspects that the organization should focus upon. They also examine the ongoing performances concerning the financial aspects and try to find errors, unusual activities or shortcomings that a company should improve to benefit from the available market opportunities.

Financial analysts are also responsible for preparing forecasts of financial records and budgets and capital modelling. The financial plan can be drawn and kept in check with the expertise that a financial analyst brings to the table.

The average salary of a financial analyst in India is INR 6 lakhs per annum ranging from 4 to 10 lakhs per annum.

2. Budget Analyst

A budget analyst’s duties encompass reviewing an organization’s budget and preparing the necessary documents to produce a budget for the upcoming accounts period. They are also responsible for approving expenses and maintaining the hierarchy of evidence-based spending for authentic and reliable outflow of money from the organization’s funds.

Budget Analyst is one of the many commerce stream jobs that require the candidates to have the ability to work with numbers for long hours and analyse them to provide valuable feedback for decision making. They also record the actual performing financial records with the budget and try to conclude the shortcomings for a better flow of money in and out of the organization.

The average salary of a Budget Analyst in India is INR 12.5 lakhs per annum. This is a highly specialised group under the cost accounting branch of finance and deals with only standard budgeting concepts.

3. Management Analyst

Management is the core of any business organisation. All the major and important decisions are taken up to the top management level, and planning and execution of those plans lie in the hands of mid and ground-level management. Management Analysts, commonly known as management consultants, oversee, review and conclude the general working of the management of an organisation. The tasks they perform include the collection and analysis of data about the working of the company, starting from the process of making different kinds of decisions to implementation at the ground level. The beauty of such commerce stream jobs is that they give the professional a chance to work with all levels of management and gain valuable experience throughout their career.

The average salary of a Management Analyst in India is INR 5-6 lakhs per annum.

4. Sales Analyst

This is one of the many commerce stream jobs in the sales field. The duties of a sales analyst typically include compiling data, collecting records of historical performance and budgets, performing different statistical techniques to analyse the data and monitoring competitor’s activities in the market. They also conduct comprehensive market research to understand the market size that the organisation is catering to and determine the level of sales that the sales team can achieve. Understanding the customer needs and market trends are other basic duties of a sales analyst.

The average salary of a sales analyst in India is INR 7.5 lakhs per annum.

Final Thoughts

Commerce is a stream that covers many important aspects of a business. It provides a pool of opportunities. At the very beginning, it may seem easy to understand and learn the subjects in commerce, but it only takes a lot of hard work and dedication to earn heavily in the industry. With the growing level of commerce, even the competition for every vacancy is increasing.

Suppose the objective is to earn a side income along with performing commerce stream jobs and diversify the portfolio of income sources. In that case, Chegg India offers a spectacular opportunity to interest candidates.

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Frequently Asked Questions

What jobs are available in the commerce stream?

1. Chartered Accountant
2. Certified Financial Analyst
3. Human Resource Manager
4. Sales Manager
5. Research Analyst

Which job is the highest salary in commerce?

Many job opportunities provide very high salaries, but it is to be noted that salaries are decided upon the combination of educational and practical knowledge along with experience in the field of expertise. However, here are a few commerce stream jobs that pay highly:

1. Investment Banking
2. Business Accountant and Taxation
3. Event Manager
4. Actuary

What job will I get if I study commerce?

The answer to this question is based on the choices that any individual has for themselves. If a candidate likes to work with numbers, he can aspire to become an investment banker or cost accountant. A candidate with good communication skills can aspire to become a sales manager or human resource manager. Thus, there lies the choice in the hands of the candidates, while the commerce stream provides many opportunities to eligible candidates.

Which course work is the hardest in commerce subject jobs?

By analysing various surveys, we can conclude that if a candidate chooses to pursue Economics Honors along with Actuarial Science, then that could be termed the most difficult course to study. However, it is unfair to say any coursework is easy or difficult. If an individual is dedicated to his plan and studies in a proper fashion, anyone can excel at any coursework.

Will these commerce stream jobs ensure a safe future for me?

Most companies in India have started to be formalised, and all the employment documents are legally valid in a court of law. The insecurity of being fired is relatively less in today’s age than it was a couple of decades ago. Also, if the candidates provide valuable inputs to the company, it will be a very safe, secured and high-paying commerce stream job in India.

How to get high salary? 

If you want to get high-salary commerce stream jobs, then you need to do the right courses and learn the skills which are necessary to get the commerce field jobs which pay well. Some of such jobs are: 

1. Marketing Manager 
2. Investment Banker 
3. Product Management 
4. Actuarial Science 
5. Cost Accountant 

What is scope in commerce? 

The commerce stream is one of the most preferred streams of students, as it opens up gates to several opportunities. There is a lot of scope in commerce stream, with some of the high-paying and reputed career options, such as: 

1. Chartered Accountant 
2. Digital Marketing 
3. Investment Banker 
4. Product Management 
5. Financial Planner 

Is CA or CS better? 

Both CA and CS are one of the best commerce stream career options. The both are high-paying and reputed job options, the difference between the two is their area of expertise and role in organizations. CAs primary role is to maintain financial records and taxes, whereas CS works on the budgeting and consulting. You can choose anyone as per your interest.

Is Maths compulsory for CA? 

No, maths is not compulsory to become a CA. If you are looking for commerce stream jobs without maths, then CA is one great choice. As in this career option you do not need to study maths and just know all about accounting and financial rules.

Can a commerce student become a CEO? 

Yes, positively commerce student can become a CEO. See, if you are a commerce stream student and do not want to do jobs then you can consider to start a business. However, for that you need to have a product or service which solves people’s problems and can be sold to earn money.

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