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Updated On - April 15th 2022, Updated By - Lalit Singh
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What To Do After 12th Commerce For Banking

Banking is one of those sectors of our nation, which has and will always have an immense scope. What to do after 12th commerce for banking? It is an important question to answer, which we will do through this article.

Nowadays, any student having a Bachelor's Degree is eligible and tries to become a Bank Probationary Officer. So, students coming from other streams can also step into the banking sector easily! A Bank is also called the safest organization where people secure their hard-earned money. In this article, you will gain information about what you can do to work in the banking sector, after the 12th, if belonging to a commerce stream.

Eligibility to get a job in Banking Sector after 12th

To become a Bank PO, a candidate must have completed the minimum educational qualification that is a Bachelor’s Degree in any stream from a recognized University/ Institute. Eligibility depends on the course. After acquiring the bachelor's degree the aspirant must pass the relevant entrance test conducting by the relevant body such as IBPS, SBI or rural-bank tests, etc.

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Banking Courses After 12th Commerce 2022

So now you know that technically any Degree after 12th commerce is acceptable to apply for the competitive exam and get a job in the banking sector. Banks like IBPS and SBI conduct examinations for graduate candidates for various posts. The post of probationary officer is perhaps the most desired by lakhs of graduates.  

Below is the list of some of the common courses to choose a banking job after 12th

1) B.COM 

Bachelor of Commerce is a 3-year long undergraduate program that is popular among 12th passed students from the commerce stream. B.Com is the best option for students who want to make a career in commerce, accounting, finance, banking, etc. Bachelor of Commerce course provides knowledge in Taxations, Business Law, Insurance, Management, Accounting, etc. 

Eligibility Criteria-  10+2 with 50%

Average Salary- INR 2 Lacs to 10 Lacs Per annum


This is a 3-year long course for students passionate about economics. Again, a popular course among 12th passed students of commerce stream. Economics is a vast field. It covers topics such as goods and services, production, markets, etc. Students of Bachelor in Economics get a job in banking, academics, or any commerce-related sectors. 

Eligibility Criteria-  10+2 in any stream with 50%

Average Salary- 1, 33000 to 2,00000 per annum


This is also a 3-year long degree course that focuses on areas such as finance and accounting. For Future's Bankers, this field is the best option. The main aim of the program is to increase self-employment and provide a trained employees to the companies. The course provides knowledge in the field of taxation, auditing, accounting, risk management, managerial economics, business law, business communications, finance, etc. 

Eligibility Criteria- 10+2 with 50% (Accounts, Maths and Economics)

Average Salary-  2 to 3 Lacs per annum

4) CA

Chartered Accountant course has a strong connection with the commerce stream. CA candidates are hired widely by banks for auditing and accounting purposes. CA course covers the advanced knowledge of accounting, financial reporting, professional ethics, etc. A Chartered Accountant can work in the accounting department as well as a private advisor. They play an important role in disputes, bankruptcy cases, etc. 

Eligibility Criteria-  Minimum 50%-60% required in Graduate/ Post Graduate course 

Average Salary- 7.36 Lacs per year

5) CMA 

Similar to CA, Certified Management Accountants are professionals who get hired by banks for accounting and auditing. CMA has a better career in Management Accounting. CMA is a globally approved certification offered by the Institute of Management Accountants which is US-based. CMA gets the job for many roles like staff accountant, cost accountant, internal auditor, corporate accountant, tax accountant, budget analyst, and financial analyst, etc.  

Eligibility Criteria-  

  • Membership of IMA
  • A Bachelor's Degree from an Accredited University
  • Two Years of relevant experience
  • Passed both the parts of CMA exams

Average Salary- 7 to 9 Lacs per year

Competitive Exams of Bank Exams After 12th

After completing graduation, one can make a career in the banking sector by appearing in the exams conducted by IBPS/ SBI or any other bank. After the exam, the cut-off marks get decided based on the merit list and then banks allocate to the candidates.


IBPS conducts examinations for the nationalized banks in India for various posts such as IBPS PO, IBPS CLERK, etc in various banks and the probationary officer is one of the posts which any graduate prefers to opt.

Important IBPS Exam List

2) Reserve Bank of India

Reserve Bank of India also conducts examinations for employing candidates for several posts. However, due to its great difficulty level, candidates more likely to go for IBPS exams.

Important RBI Exam List

  • RBI Grade B exam
  • RBI Assistant exam

3) State Bank of India

State Bank of India is the biggest government bank in India. Almost every graduate banking job aspirant dreams to join this bank. Salary, house grants, or medical conveniences, SBI provides its employees.

Important SBI Exam List

  • SBI PO
  • SBI SO
  • SBI Syllabus
  • SBI Recruitment
  • SBI Clerk

4) Regional Rural Bank Exam

Candidates who strive to be an officer’s grade post and assistant level posts in many government banks have to give the online test by IBPS.

Specialist officer exam form IBPS

Candidates who have completed their graduation or post-graduationIBPS conducts the exam for the post of specialist officer.

Other than government banks various private banks offer jobs, however, benefits are always better in the government sector. Many degrees, diplomas, and certificate courses are available in banking which can be done to increase knowledge and apply in private banks.

Why Students Get Attracted Towards Banking Sector After 12th Commerce?

Time has changed now! Nowadays, A bachelor's degree holder is eligible to become a Bank PO. As the banking sector gives great opportunities to start your career as a fresher compared to other jobs, the popularity of bank jobs has been raised immensely. Not just freshers but, the majority of graduates also prefer jobs in the banking sector in place of other popular choices. The most significant benefit of a Banking Career is that it offers job security. The process to fire someone from the job isn't easy unless you do something prohibited or against the laws.

Another advantage of working in the banking sector is salary, banking sector jobs provide a handsome salary package. Also, along with the good salary package, other benefits like home, transportation allowance, etc. get provided to candidates. If you are working in the banking sector so you can enjoy several holidays in India. And lastly, bank jobs offer a great learning environment about new policies and schemes of loan/ credit as there are a wide variety of schemes to offer to, establishments, companies, firms, and individuals, etc. One who is working in this sector will learn all while working.

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Frequently Asked Questions (FAQ)

Que: Can we do Banking without Maths?

Ans: Mathematics isn't necessary to appear for the bank examination of clerical jobs. Completion of graduation from a recognized college or University is compulsory rather than Mathematics. 

Que: Are we allowed to do banking just after B.COM?

Ans: After completing B.COM, you can apply for most of the civil services' or Banking exams. The minimum eligibility criteria for banking exams is just the successful completion of graduation from a recognized University.

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