Step-by-Step: Crack CFA or CPA Exams with an Online BCom Degree in India (Prep Tips & Success Rates) Choosing the right undergraduate degree is the first and most important step for students who dream of building a successful career in finance or accounting. Bachelor of Commerce (B.Com) is one of the most versatile and globally accepted degrees that builds a strong foundation in commerce, finance, and business principles. Marwadi University Online offers a UGC-entitled 3-year Online B.Com degree designed especially for students who want flexibility without compromising on academic quality. The program covers core subjects like Financial Accounting, Corporate Finance, Business Economics, Cost Accounting, Taxation, and Auditing, which are directly aligned with the syllabus of CFA and CPA exams. For students aiming to crack CFA (Chartered Financial Analyst) or CPA (Certified Public Accountant), a strong conceptual base is non-negotiable. An online B.Com from Marwadi University helps students understand finance and accounting concepts step by step, making professional exam preparation more structured and less stressful. What makes Marwadi University Online stand out is its industry-relevant curriculum, experienced faculty, and learner-friendly digital platform. Students can study at their own pace, revise concepts multiple times, and simultaneously prepare for competitive global certifications like CFA and CPA. A B.Com graduate from Marwadi University Online is not limited to just one career path. With the right guidance and preparation, students can pursue CFA, CPA, CA, CS, or even move into roles like Financial Analyst, Investment Banker, Auditor, Risk Consultant, or Global Accounting Professional. This blog explains how an Online B.Com from Marwadi University supports CFA and CPA preparation, why it is a smart choice for working students and aspirants, and how you can plan your journey step by step toward international finance certifications. What is a Chartered Financial Analyst (CFA)? The Chartered Financial Analyst (CFA) is one of the most respected and globally recognised certifications in the finance industry. Offered by the CFA Institute (USA), this qualification proves your expertise in investment management, financial analysis, equity research, and portfolio management. For students pursuing an Online B.Com from Marwadi University, CFA acts as a career accelerator. It adds international credibility to your degree and opens doors to high-growth finance roles—not just in India, but worldwide. CFA professionals are trusted with big financial decisions, and that trust brings strong career growth, respect, and long-term stability. CFA Exam Eligibility (Perfect Fit for Online B.Com Students) The CFA Institute has clear eligibility rules, and the good news is Online B.Com students from Marwadi University fit in well. You can register for the CFA exam if you meet any one of the following conditions: You have completed a Bachelor’s degree (including Online B.Com from a UGC-recognised university like Marwadi University) You are in the final year of your B.Com degree You have 4 years of relevant professional work experience You must have English proficiency and a valid passport This flexibility allows Marwadi University Online B.Com students to start CFA preparation early, without waiting years after graduation. CFA Exam Structure (What You Need to Prepare For) The CFA exam has three levels, and each level builds your confidence and expertise step by step: CFA Level I – Foundation Stage Focuses on basic finance, economics, accounting, and ethics Pass rate: 40%–45% Ideal to attempt during or soon after your Online B.Com CFA Level II – Application Stage Tests real-world application of financial concepts Pass rate: 40%–50% Requires deeper understanding and practice CFA Level III – Strategy & Leadership Stage Focuses on portfolio management and wealth planning Includes essay-type questions Pass rate: 50%–55% CFA is challenging, but not impossible. With strong self-study habits, discipline, and the flexible learning environment of Marwadi University’s Online B.Com, students can balance degree studies and CFA preparation effectively. CFA Career & Salary in India A CFA certification significantly boosts your earning potential and career scope. Popular CFA Job Roles: Financial Analyst Investment Banker Portfolio Manager Equity Research Analyst Financial Consultant Average CFA Salary in India: Entry to mid-level: ₹6–8 LPA Experienced professionals: ₹12–20 LPA or more When combined with an Online B.Com from Marwadi University, CFA gives you both academic foundation + global professional recognition a combination recruiters value deeply. What is a Certified Public Accountant (CPA)? A Certified Public Accountant (CPA) is one of the most respected global accounting qualifications, especially for students who want international careers in accounting, auditing, finance, and taxation. For Indian students, CPA is awarded by the American Institute of Certified Public Accountants (AICPA) and has become increasingly popular since 2021, as more global companies started hiring CPA-qualified professionals from India. If you are pursuing an Online BCom degree from Marwadi University, CPA can be a powerful next step to build a global accounting career without leaving India. Why CPA Makes Sense for Marwadi University Online BCom Students Many students choose Marwadi University Online BCom because it offers: Flexibility to study from anywhere Strong foundation in accounting and finance Time to prepare for professional courses alongside graduation This flexibility is ideal for CPA aspirants because: You can study for CPA along with your Online BCom Your degree builds the core accounting knowledge needed for CPA You save time and cost compared to traditional pathways For students dreaming of international exposure, higher salary, and global recognition, CPA is a smart choice. CPA Exam Eligibility (Explained Simply) To appear for the CPA exam, candidates generally need: A Bachelor’s degree in Accounting or a related field (like Online BCom from Marwadi University) A total of 150 credit hours (this can be completed through graduation & additional qualifications) 1–2 years of relevant work experience (depends on the U.S. state board) Many Indian students start CPA preparation during or immediately after Online BCom, and complete remaining requirements gradually. CPA Examination Structure The CPA exam must be cleared within an 18-month window and consists of four sections: AUD: Auditing & Attestation Focuses on audit processes, ethics, and compliance. BEC: Business Environment & Concepts Covers business strategy, economics, and financial management. FAR: Financial Accounting & Reporting The most detailed section, based on accounting standards and reporting. REG: Regulation Includes taxation, business laws, and ethics. With proper planning, Online BCom students from Marwadi University can prepare step-by-step without academic pressure. CPA Registration Process (Step-by-Step) The CPA registration process is completely online, making it convenient for Indian students: Apply for international credential evaluation Submit academic documents to NASBA Receive eligibility confirmation Register for exam sections and pay fees Schedule and appear for exams This structured process allows Online BCom students to plan their CPA journey confidently. Career Opportunities After CPA After becoming a CPA, students can work in: Public accounting firms MNCs and global corporations Consulting firms Government and regulatory bodies Non-profit organizations Popular job roles include: Financial Analyst Auditor Tax Consultant Accounting Manager Chief Financial Officer (CFO) CPA Salary in India (Reality Check) Due to high demand and limited qualified professionals, CPAs enjoy strong salary growth in India: Entry-level CPA: ₹6–8 LPA Mid-level CPA: ₹12–20 LPA Senior roles: Even higher with experience For students from Marwadi University Online BCom, CPA opens doors to financial stability, respect, and global career growth. Why CPA & Online BCom is a Smart Combination Choosing an Online BCom from Marwadi University while preparing for CPA allows students to: Learn at their own pace Avoid career gaps Build international credentials early Reduce overall education cost It’s not just about exams it’s about building a future that gives you confidence, freedom, and recognition. CFA vs CPA: Which One Should You Choose After Online BCom? If you are pursuing an Online BCom from Marwadi University and planning a professional certification, CFA and CPA are two of the most respected global options. Both offer strong career growth, but their career paths are very different. Understanding this difference early can save you time, money, and confusion. Key Differences Between CFA and CPA Aspect CFA CPA Area of Focus Focuses on investment analysis, portfolio management, equity research, and ethics Focuses on accounting, auditing, taxation, compliance, and financial reporting Best Suited For Students interested in finance, stock markets, investments, and wealth management Students interested in accounts, taxation, audits, and corporate finance roles Job Roles Financial Analyst, Investment Banker, Portfolio Manager, Equity Research Analyst Accountant, Auditor, Tax Consultant, Financial Advisor, Accounting Manager Exam Structure 3 levels (Level I, II, III) cleared sequentially 4 sections (AUD, BEC, FAR, REG) cleared within 18 months Professional Body Conducted by the CFA Institute (USA) Certified by AICPA (USA) Skillset Required Strong analytical thinking, quantitative skills, and financial modeling Strong accounting knowledge, taxation laws, and compliance understanding Difficulty Level Conceptually intense with long study hours Technically detailed but structured Salary Potential Higher earning potential in investment and leadership finance roles Stable and competitive salaries in accounting, audit, and corporate roles CFA or CPA – Which Is Better for You? There is no “better” certification, only the right one for your career goal. Choose CFA if you: Love finance, numbers, and market analysis Want to work in investments, asset management, or global finance firms Are ready for deep analytical and long-term study

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LA PUGNALATA alla schiena della Meloni agli agricoltori e ai consumatori italiani e europei! Mercosur, Meloni firma e neutralizza il no di Macron. Ma per gli agricoltori non c’è vittoria. Ecco chi ci guadagna di Luisiana Gaita La presidente del Consiglio parla di "garanzie ottenute”. Ma l'intesa e le promesse non convincono chi protesta in piazza con i trattori e neppure gli ambientalisti. Giorgia Meloni lo ha detto: per dare l’ok all’accordo Mercosur “abbiamo messo in equilibrio interessi diversi”. Quelli dell’industria, quelli dell’agricoltura e quelli geopolitici. E quando ci sono troppi interessi in gioco, c’è il rischio che qualcuno perda. Così, mentre gli agricoltori manifestavano per le strade di Milano, con una protesta organizzata da Riscatto agricolo Lombardia e l’intero Coapi, Coordinamento agricoltori e pescatori italiani e i trattori bloccavano il traffico in Spagna, Francia e altre nazioni per dire no all’intesa negoziata per un quarto di secolo, i rappresentanti permanenti degli Stati membri riuniti a Bruxelles nel Coreper davano il primo via libera alla firma dell’accordo di libero scambio con il blocco sudamericano del Mercosur che comprende Brasile, Argentina, Uruguay e Paraguay. E avviavano la procedura scritta per l’adozione formale delle decisioni. Una scelta che costerà più di un grattacapo Francia, Ungheria, Irlanda, Polonia e Austria non si sono voluti assumere questa responsabilità e hanno votato contro. Il Belgio si è astenuto, l’Italia ha votato a favore. Stretta tra le richieste di reciprocità degli agricoltori e della sempre vicina Coldiretti, le pressioni di Confindustria, quelle della Commissione europea che vuole aprire a nuovi mercati, sperando di trovare in Sud America anche un salvagente alle strategie commerciali di Donald Trump. Sull’Italia il peso della decisione: con il suo voto è stata raggiunta la maggioranza qualificata, ossia il sostegno di almeno 15 Stati membri che rappresentino almeno il 65% della popolazione dell’Ue. Con questa decisione, il governo italiano ha neutralizzato la Francia di Macron con cui Giorgia Meloni non ha mai avuto rapporto idilliaci. E d’altronde, è da settimane che i partiti di maggioranza esultano ad ogni concessione della Commissione europea, definendola “una vittoria italiana”. Sarebbe stato un problema dire ‘no’ all’accordo tanto voluto da Ursula von der Leyen dopo aver incassato tante “vittorie” politiche. Solo il tempo dirà a tutti, soprattutto agli agricoltori, se si trattava di vittorie concrete e se i vantaggi dell’accordo superano davvero i rischi. Nel frattempo, però, le organizzazioni agricole e le cooperative agricole europee, rappresentate da Copa e Cogeca “rimangono unanimi e unite nel denunciare un accordo che rimane fondamentalmente sbilanciato e imperfetto nella sua essenza, nonostante le ultime modifiche alle misure di salvaguardia aggiuntive”. Meloni: “Abbiamo detto sì, alla luce delle garanzie per gli agricoltori” - FALSO! E mentre il vicepremier polacco Władysław Kosiniak-Kamysz annncia che il Paese presenterà un ricorso alla Corte di giustizia dell’Ue contro l’accordo, la premier italiana Giorgia Meloni non esulta per la maggioranza raggiunta. E si affretta a spiegare le ragioni che, alla fine, l’hanno spinta a dare l’ok. Un via libera che, già si aspetta, le procurerà più di un grattacapo. “Non ho mai avuto una preclusione ideologica sul Mercosur, ho sempre posto una questione pragmatica che non riguarda solo il Mercosur: la strategia europea di iper-regolamentare al suo interno aprendo, al contempo, ad accordi di libero scambio è suicida. Non potevamo dire sì, a scapito delle eccellenze delle nostre produzioni” ha detto alla conferenza di fine anno. E ha ricordato come l’Italia abbia aperto una interlocuzione con la Commissione Ue, ottenendo “alcuni risultati per gli agricoltori”. Tra questi, la premier ha ricordato il meccanismo di salvaguardia per i prodotti sensibili, il fondo di compensazione, un rafforzamento dei controlli fitosanitari in entrata. E, nell’ambito della trattativa sul bilancio Ue per la Pac, la possibilità di poter utilizzare già dal 2028, altri 45 miliardi di euro che sarebbero rimasti bloccati fino al 2032. “Alla luce di queste garanzie per i nostri agricoltori abbiamo dato l’ok all’accordo” ha ribadito. Anche il ministro dell’Agricoltura, Francesco Lollobrigida ha ricordato il fondo da 6,3 miliardi di euro “per la mitigazione delle potenziali perturbazioni di mercato, insieme all’azzeramento dei dazi e degli aggravi di costo per i fertilizzanti previste dal regolamento Cbam. L’ultima conferma: indagini dopo l’aumento dei prezzi del 5% Nel corso della riunione degli ambasciatori, la presidenza cipriota dell’Ue ha constatato “l’ampio sostegno” sufficiente a raggiungere la maggioranza qualificata sul pacchetto per la firma e l’applicazione provvisoria dell’accordo commerciale ad Interim (iTA) e dell’accordo di partnership (Empa) con il Mercosur. Nella stessa sessione sono state formalmente approvate (con qualche modifica) le salvaguardie negoziate a dicembre da Parlamento e Consiglio Ue, che devono ancora essere adottate dal Parlamento europeo in sessione plenaria. Obiettivo: proteggere il settore agroalimentare europeo da potenziali gravi distorsioni su prodotti come pollame, carne bovina, uova, agrumi e zucchero. Il nuovo quadro stabilisce soglie specifiche affinché la Commissione europea possa avviare indagini e, nel caso, attivare misure specifiche, qualora si verificasse un forte impatto sui prodotti agricoli sensibili europei. A dicembre, Consiglio e Parlamento europei avevano concordato di fissare tali soglie all’8%, ma queste sono state ridotte al 5%, come sostenuto inizialmente dall’Eurocamera, per soddisfare le richieste di Roma. Quindi Bruxelles ora potrà intervenire ogni volta che le importazioni di prodotti sensibili aumenteranno in media del 5% e i prezzi scenderanno della stessa percentuale in un periodo di tre anni. Chi vince e chi rischia Ma allora chi è che più rischia e chi è che vince con la firma dell’accordo? A guadagnarci sono gli esportatori europei. Nell’Unione europea della manifattura, della meccanica, dell’impiantistica e della componentistica, Bruxelles punta alla rimozione graduale dei dazi su automobili e componenti auto, macchinari, vestiti, tessuti, prodotti chimici. E calcola un risparmio per gli esportatori europei di oltre 4 miliardi di euro all’anno. Da qui le pressioni di Confindustria per la firma dell’accordo. Per quanto riguarda il comparto agricolo i settori che potrebbero beneficiarne sono quello dei vini e dei liquori (con un abbattimento dei dazi fino al 35%) e dell’olio di oliva (con l’eliminazione graduale del 10% di dazio). Il presidente di Unione italiana vini (Uiv), Lamberto Frescobaldi considera “strategica la chiusura positiva dell’accordo”. Oggi i vini europei destinati al Brasile subiscono rincari fino al 27% per i vini fermi e al 35% per gli spumanti per effetto dei dazi all’importazione. Per il presidente di Federalimentare, Paolo Mascarino “il via libera al trattato Ue-Mercosur è un accordo storico, atteso da tempo, e per l’industria alimentare italiana può valere ogni anno fino a 400 milioni di export aggiuntivo”. Ma l’accordo aprirà la strada europea a prodotti del Mercosur, come la carne di bovino, il pollame e lo zucchero, dietro i quali c’è più di un rischio (Leggi l’approfondimento). Basta pensare che il Brasile, il maggiore esportatore di carne al mondo (con l’Unione europea come secondo mercato dopo la Cina), prevede un aumento delle esportazioni agricole versione l’Ue da oltre 8 miliardi di dollari al 2040. “Dal Mercosur – sostiene Coldiretti – arriveranno 300 milioni di chilogrammi di carne di manzo e di pollo dalle allevamenti dove si usano antibiotici vietati in Europa e 60 milioni di chilogrammi di riso coltivato con l’uso di pesticidi proibiti in Ue, oltre a 180 milioni di chilogrammi di zucchero prodotto anche attraverso lo sfruttamento dei lavoratori”. Gli agricoltori vogliono (ma non ottengono) “le stesse regole” Confagricoltura conferma le sue perplessità sostenendo che l’accordo, nella sua forma attuale “rischia di consolidare un’evidente asimmetria: mentre alle imprese agricole italiane ed europee viene richiesto il rispetto di standard elevatissimi in termini di sostenibilità ambientale, sicurezza alimentare e diritti dei lavoratori, le stesse regole non sono attuate per le importazioni dai Paesi del Mercosur”. Anche Cna Agroalimentare ribadisce la contrarietà all’accordo Mercosur senza garanzie sulla concorrenza e sugli standard ambientali e sanitari. E ribatte: “L’intesa, come attualmente configurata, rischia di introdurre elementi di concorrenza sleale, in ragione delle profonde differenze negli standard ambientali, sanitari e sociali tra l’Unione europea e i Paesi aderenti al Mercosur”. Per Cna Agroalimentare è fondamentale introdurre condizioni di reciprocità. Tradotto: i prodotti che entrano nell’Unione Europea devono rispondere alle stesse regole che devono essere rispettate da agricoltori e produttori europei. E torna il discorso degli interessi: “Non è sostenibile l’utilizzo dei prodotti agroalimentari come strumento di compensazione negoziale in accordi che favoriscono altri comparti economici. Gli accordi di libero scambio devono tenere insieme le esigenze degli esportatori e quelle degli importatori a tutela dei consumatori”. Per Coldiretti “il governo italiano ha richiesto il divieto di importazione di prodotti con residui di sostanze vietate in Europa, ma ora è la Von der Leyen che deve dare risposte.”. La reciprocità, insieme all’obiettivo di aumentare i controlli, per Coldiretti rimane un punto essenziale: “Ora la presidente Von der Leyen e la sua ristrettissima cerchia di tecnocrati, di cui continuiamo a non fidarci, deve tradurre in regolamenti gli impegni richiesti dall’Italia su un principio di reciprocità valido per tutti gli scambi commerciali e non solo per quelli del Mercosur”. L’accusa degli ambientalisti Anche gli ambientalisti protestano e manifestano le loro preoccupazioni. “Le promesse della Commissione europea di minori vincoli e maggiori risorse non affrontano i nodi strutturali dell’accordo, né garantiscono controlli efficaci sulle merci che entrano nel mercato europeo” commenta Martina Borghi, della campagna Foreste di Greenpeace Italia. 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