After studying 12th in the commerce stream, the students have a variety of career options to explore and become an expert. Some of them are finance, ecommerce or even literature. But there is yet another field that has been thriving over the past decade, and the future also holds lots of merry for this sector, and that is the banking sector. So, what are the banking courses available after 12th commerce? There are tons to discuss, and in this article, we have listed some.


Best Banking Courses After 12th Commerce

Bank jobs are the most preferred, popular, most sought-after jobs among the students, but why? Working in a banking industry provides enormous benefits: job satisfaction, work culture, a lucrative job with a high salary, work environment, and other benefits.

To make it easy for you, we bring you this article, which provides the best banking courses that can be pursued after 12th Commerce. So read carefully and choose the best course that can help you lead the path as a banker. 

A myth that is always associated with banking courses is that it is always preferred by commerce stream students, Which is not valid; students from different streams have flocked into banking courses and taking up jobs. But in the banking industry, it's always the commerce stream students leading among other stream students.

After completing 12th with commerce as a compulsory subject, one has tons of options to choose, and several institutions offer the banking courses under different categories and specializations. There are also many banking courses after 12th Commerce without Maths. Here we are listing out the most popular Banking courses the students can pursue after their under graduation.

  • B.Com
  • B.Com Economics
  • Bachelor of Economics
  • BA Banking
  • Bachelor of Accounting and Finance
  • BBA Banking and Insurance
  • Diploma in Banking and Finance 
  • BBA + MBA in Banking (Integrated Course)
  • B.Sc in Banking and Finance
  • B.Com Banking and Taxation
  • Chartered Accountancy
  • Certified Management Accountant (CMA)


Bachelor in Commerce is an undergraduate course with three years duration. B.Com's course list includes Marketing, Human Resource, Finance specialization as the subjects of study. The eligibility criteria for pursuing a degree is a minimum of 45% in 10+2 from a recognized Board/University. Different universities offer this course all over India. It is the most basic course which is preferred to pursue a career in Banking.

B.Com Economics

Bachelor of Economics is an undergraduate course with a course duration of 3 years, semester pattern with six semesters. B.Com Economics course focuses on the financial issues that an economy faces but also traces the historical contexts in the shaping of the economy, as well as foreign trade policies that affect the economy of our country. Using skills in Mathematics, Statistics methods, and O.R. practices, the graduates analyze and give solutions to economic problems in public and private sectors, providing practical solutions to economic issues. The eligibility criteria are 45% in 10+2 from a recognized Board.

Bachelor of Accounting and Finance

Bachelor of Commerce in Accounting and Finance is a degree level undergraduate Commerce course. Bachelor of Commerce in Accounting and Finance course is generally three academic year degree courses with six semesters. The course study helps the candidate gain adequate data handling and quantitative techniques (related to accounting and finance). B.Com Accounting and Finance courses can have broad scope both concerning higher education and career. The students with this degree can pursue government jobs such as government accountants-they may work at the local/state level or the central level, administer and formulate budgets, track costs, and analyze programs.

Chartered Accountancy

Chartered Accountancy is one of the toughest challenging professional courses. The course has a duration of 3.5 years. In India, it is one of the most respected and challenging courses. Many students try and fail, but even though completing a few years in a C.A. is considered valuable. This course has proved to be the best professional course after 12th Commerce. This course can be pursued after 12th Commerce with minimum eligibility of 50% aggregate in 12th boards. C.A.Banks widely hire C.A. for auditing and other accounting related activities. C.A. is one of the highest-paid jobs in India. This course mainly includes three exams that are CPT, IPCC, and a final exam. These exams are conducted by the Institute of Chartered Accountancy Of India (ICA). This course is considered very tough, but once you complete the C.A. course, your career and earnings prospects. This course familiarizes you with subjects like auditing, tax laws, taxation, business laws, and corporate laws.

Certified Management Accountant (CMA)

Certified Management Accountant is a Certified Management Accountant. This is the best course if you wish to work in the banking industry. Banks hire CMA's for auditing and accounting work. ICA conducts the CMA in 3 parts covering various accounting related topics that must be cleared within three years of registration.

The eligibility criteria are 40% to 50% aggregate in 12th boards. The CMA course is conducted in 3 exams, and they are the foundation, followed by inter and final. The job opportunities for the CMA's are enormous and mostly employed in banks, biggest industries, and Companies.

Career Scope after Banking Courses

At present, there is high competition among students for banking jobs; students from other streams are also seen drifting to bank jobs. Commerce students completing 12th boards can apply for bank jobs. But these jobs are limited to the clerical level with reasonable pay. So, enrol yourself in for a bachelor's degree, which gives the highest position job with a high pay scale.

The scope in the banking sector is a pretty broad field with enormous job opportunities. Bank jobs are the most secure jobs and the most respected.

The number of opportunities is many for the students after 12th Commerce, so the right choice in the Banking course after 12th Commerce would lead you to the best bank jobs. So you are now aware of all the banking courses, read carefully, and choose wisely.

Banking Course Jobs Opportunities

Once completing any of the banking courses, the students can go for a master degree according to their interests in any stream or follow up the same stream of banking in the master's degree. The jobs and salary, however, differentiate concerning the designations, the professional degree one has taken and experience. Some of the job designations are listed. 

  • Market Analyst 
  • Financial Analyst 
  • Accountant 
  • Clerk 
  • Probationary Officer
  • Insurance Officer
  • Sales Executive 
  • Loan Officer
  • Tax Officer 
  • SAP Consultant 
  • Data Analyst 


The job of an accountant is not only confined to banks; every organization needs its accountants to take care of their financial expenditures and consolidate the taxes. The accountants are indeed crucial for the banks since it comes under the finance sectors. Without accountants, it would be pretty hectic for the banks to take care of their funding and other financial documents. 

Financial Analyst 

The financial analysts are the ones to analyze the current marketing trends and investment strategies. Their prime duty is to analyze the expenditures of the company and take measures to implement better methods to bring out a healthier change in the economy of the banks and other companies. The entry analyst might get a pay around INR 2.5 LPA, and it indeed gets increased after sufficient experience. 

Market Analyst

The Market Analyst also works under the bank managers, and in the case of I.T. sectors, they work under the managers of the financial or marketing department. The primary duty of this job is to analyze the strategies followed by the marketing team of the company or banks and to check out for any flaws. If there are any flaws involved, they sought the rectifying measures. These analysts also analyze the trends in the marketing world and employ them with cost-efficiency. 

Insurance Officer

Banks are known for their various insurance policies that are organized to help people in multiple ways. These insurance officers are in a position to take care of the multiple policies available in the bank, and it is their responsibility to look out for the clients who have insured a system in their particular banks. These officers should also spread awareness about the policies available in their banks. 

Loan Officer

People who need a massive amount for their personal demands tend to reach out to the banks to get a loan. These loans have their eligibility criteria, and various loan policies have different eligibility structures designed by the banks. The loan officers are supposed to run a background check of the applicants and attend all other duties regarding the loan process. Every bank has a set of loan officers.

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