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What is the best way to prepare for the CA Final if unable to obtain coachingdue to money factor?

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The study should be planned in a phased manner and continuous effort is needed. Concentrate of having conceptual clarity as that is most important here.
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When should I start taking coaching for CA entrance exam?
Just after your 12th board
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CA is Offered by ICAI-The Institute of Chartered Accountants of India which is the governing body. There are many private institutions offering coaching classes in every city but they do not award the degree. You need to register with ICAI.
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