How Difficult is ACCA Compared to CA? An Honest Comparison

Introduction:

Choosing between CA and ACCA often comes down to one key question: “Which one is harder?”
If you’re stuck at this crossroad, you’re not alone. Let's dive into a realistic, no-fluff comparison of the difficulty levels of both qualifications so you can make an informed decision.

Exam Structure: A Quick Look

Both CA and ACCA have rigorous exam structures, but there are significant differences:

  • CA (India):

    • 3 Levels: CA Foundation, Intermediate, and Final.

    • Each level includes multiple papers.

    • Pass percentage is extremely low (~10-12% overall).

  • ACCA:

    • 3 Levels: Applied Knowledge, Applied Skills, and Strategic Professional.

    • 13 exams (some exemptions possible).

    • Global average pass rate around 40%-50%.

Key Difference:
CA exams are known for tough evaluation and low pass rates, making it a real endurance test. ACCA is tough but comparatively more structured and fair.

Study Pressure and Time Commitment

CA:

  • Requires intense memorization.

  • Heavy theoretical subjects.

  • Articleship (practical training) is mandatory during the course.

  • Average time to qualify: 5–6 years.

ACCA:

  • Focuses on practical, case-study-based learning.

  • Flexible exam schedule — 4 exam windows each year.

  • Average time to qualify: 2.5–3 years if consistent.

Tip: If you prefer self-paced, manageable study with the appropriate ACCA study resources alongside work, ACCA offers greater flexibility.

Real-World Application and Skill Development

  • CA: Builds expertise in Indian laws (Income Tax, GST, Companies Act).

  • ACCA: Sharpens global financial reporting, IFRS, and auditing practices.

Bullet Summary:

  • CA = Best if you want mastery over Indian accounting standards.

  • ACCA = Best if you want practical, internationally relevant knowledge.

Conclusion

Both CA and ACCA are prestigious, but if you're looking for a less stressful, globally recognized pathway, ACCA is relatively easier and faster to complete.
If you're ready for a true "hardcore accounting marathon", CA will challenge and transform you.

For a more detailed blog, click Here.

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