Hey Akshay!

You have a good score in 10th and 12th grade. Plus, if you have the degree of CA, you will get a leverage in marks, but you need to have the complete degree of CA. Otherwise, if you even mention IPCC, they will give you some leverage in PI or GD round. So, you need to clear CAT with good percentile to reach there. IIM is worth taking student loan especially the old IIMs like ABCL as you will be able to repay it back within a few months. Prepare well for CAT. Best wishes!

Also education loan is provided without collateral in all IIMs and top bschools. And this loan is the best investment you can make in your carreer. So do not worry about loan at this moment and put all the efforts towards CAT examination.

Refer the link below for loan details and list of colleges for which collateral free loan is provided.

https://sbi.co.in/portal/web/student-platform/scholar-loan

Dear Akshay

You have a fairly decent profile, above average if i must say. Also you are from BCOM background. I would advice you to score over 98 to get most of the top IIMs calls.

New IIMs calls can be expected at 95 percentile as well. Preapre well for GWPI and you will get a seat in old ones. IIM indore has a high chance of calling you.

For more info refer the link below

Hello Akshay

Well I would like to say that you have high chances to land into esteem B -schools of our country, both old and new IIMs. You need to be very much rigorous and consistent with your studies.

Apart from CAT score, academic score do hold weightage. Sometimes certification courses and work experience increased chances of getting call from IIMs. You dont need to worry about having zero work experience. As many students land into IIMs without any prior experience.

Moreover if you clear your IPCC exam , this again holds value along with CAT score and academic performance.

And you need not to worry about education loan, banks will be behind you to offer loans even without any collateral.

So I would suggest you to start preparing well without any consideration of feel.

Good luck for your career ahead.

Thanks