CA vs ACCA – Which One is Better?

Q – Is ACCA better than CA?

Well, I wish to yell “Yes” but let’s look into some reasons to justify

Number of Papers / Stages

CA – 4 stages (21 Papers)
AFC Assessment of Fundamental Competencies 4 Papers
CAF – Certificate in Accounting and Finance 9 Papers
CFAP – Certified Finance and Accounting Professional 6 Papers
MSA – Multi-Subject Assessments 2 Papers

ACCA3 Stages (13 Papers)
Applied knowledge 3 Papers
Applied skills 6 Papers
Strategic professional 4 Papers
(2 Essentials and 2 Optional from 4)

Difficulty Level & Passing Ratio
CA is quite tougher comparatively than ACCA, the reasons are as under:

– Consistency in paper difficulty level – ICAP examiners often find it harder to maintain the same difficulty level from one attempt to another and that is also evident from their volatile passing ratio (discussed below). A few years back, there was an exam which yelded only a 2% passing result.

– Area and depth in the syllabus. For instance, Corporate Law, it includes all the laws you have ever heard of (Companies Act 2017) or not (Modaraba Act) and sometimes you end up wondering if you are pursuing a Lawyer Degree.

-In CA Finals, the average passing results in a single paper in a single attempt vary between 5%-25%. Whereas, in ACCA Professional Papers exam results vary between 30%-50% in one sitting.

Affiliation with Other Institutions
– In addition to ACCA certification, you can simultaneously get a foreign Bachelor’s degree of Oxford Brookes by just passing two tests, read more.
– Both (CA qualified and ACCA members) are equivalent to the Master’s Degree (M.COM) equivalency in Pakistan, read more.
– Similarly, both can become a member of ICAEW by passing 3 additional papers.

In Pakistan

ACCA members in Pakistan get less than they deserve. The starting salary of an ACCA affiliate without any experience usually starts from PKR 20 to 30 thousand. However, if you have 2-3 years’ experience from the Big Four firms you can get up to PKR 70 to 100 Thousand.
Whereas if you are a CAF Qualified – you can get PKR 25 to 35 Thousand even if you have no experience.
P.E. Above comparison is between CAF & ACCA Qualified, as they both comprise 13 papers.

In Middle-East and Europe, the pay gap between the two isn’t much and both are considered as almost an identical qualification in the eyes of the employer. The main thing that counts to the employer is the experience (Big 4 audit firms > Other than Big 4)

What About CA?

Q – Do CA worth more than ACCA?

I would like to answer this as, in Pakistan, Yes.
Reasons to opt for CA rather than ACCA is.

  • Initial Investment and Duration

The whole CA qualification cost around somewhere between 500,000 PKR to 550,000 including tuition and exam fees. Whereas, ACCA will cost around 600,000 to 650,000 including tuition fees and exam fees.

The calculation assumes PKR to GBP rate at 200 and assumes if you clear the papers in first attempt.

It takes on average two to three years to clear all 13 ACCA papers and further three years of work experience to become an ACCA member. On the other hand, it takes an average student 6 years to 7 years to become a CA member (3.5 years Article ship included)

  • Reputation / Class of Accountants

    As we have heard, Scarcity increases the value and class of a particular item, accordingly.
    For instance, there are only around Ten thousand (10,000) Chartered Accountants since 1947, out of which many are no more with us. In comparison, around Two Hundred And Fifty Thousand (250,000) members operating globally.

Q- What is the difference in the package offered to ACCA than CA?

Starting Salary for ACCA and CA Qualified with 3 years of experience




Saudi Arabia

United Kingdom

CA Qualified

PKR 130,000

AED 14,000

SAR 18,000

GBP 3,500


PKR 100,000

AED 13000

SAR 15,000

GBP 3,500

Cost of Living




Very High

* These are rough estimates which vary from employer to employer (Audit firm, MNCs, PVT-Companies) and nature of the department (Finance, Internal audit, etc).

Best institutes for ACCA / CA.

It is not necessary to register with an Institute, you can opt for self-study and get a Qualified Home Tutor at your convenience and in a reasonable price. However, if don’t mind the untimely classes and few hour breaks in between, few notable institutes are:

In conclusion, if you want to live abroad and don’t want to keep grinding yourself for 5 to 6 years in CA, then ACCA will be a far better choice.

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Traditional Learning Vs. Online Learning

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The emergence of technology has engulfed every sector by the wave of digitalization, and the education sector is no exception – it has seen a digital revolution in the past decade. Moreover, human reliance on technology has evolved in education, and elearning portals are great examples.  

Today, students have more than one option to pursue education – traditional learning and eLearning. Both methods satisfy the needs of students, whether alone or blended. But the choice of a perfect study plan creates a specific dilemma.  

This article will discuss both learning methods in detail to help you understand which one is better for your child. 

What is Traditional Learning? 

Traditional learning involves face-to-face interaction with peers and instructors/tutors. It takes place in an actual classroom setting or at-home tutoring. The instructor moderates and regulates the flow of knowledge and information. Here, the primary source of information is the instructor.  

What is ELearning? 

It refers to learning through online mediums and virtual platforms (also known as distance learning). Experienced professors or skilled tutors deliver lectures through online audio/ video sessions.  

Thanks to its flexibility, it has increased in popularity over the last two decades, especially among the workforce and adult learners.  

What Is The Difference Between Traditional & Online Learning? 

Many colleges, universities, and tuitions have ramped up their online course offerings amidst a global pandemic. As we approach a new academic year – both existing and new students are in a dilemma “which learning process is best for me?”  

Perhaps, you have gotten a clear picture of eLearning during the pandemic quarantine. Maybe you struggled with self-motivation and time management along the way. Or, perhaps you excelled in the comfort of your home and enjoyed working at your own pace. Maybe you fell somewhere in the middle – enjoying the flexibility of online classes while missing the on-campus experience.  

Everyone has different experiences with traditional and elearning. Plus, everyone has their preferences for earning a degree. Both processes have cons and pros—modern employers across the industry value both.  


The growth of eLearning has been 90% since the year 2000. It does not limit the learners and instructors to a four-walled classroom and doesn’t confine them to a predefined curriculum. furthermore, has the flexibility to take classes on a day and time that is convenient for you. It is the driving force for those with a bulk workload and responsibilities. Technology has connected those willing to learn with those passionate about teaching. But, a traditional class format often lacks flexibility, especially in terms of deadlines and class meeting times. 


While both modes of education have their pros and cons, online learning benefits from being more cost-effective, and many of the courses are cheaper than traditional ones. Some open access courses won’t cost a penny but your time. But, many online courses are offered at a cost equivalent to a conventional college or school fee.  

Quality Interaction 

Many researchers have declared that eLearning can be more engaging by presenting the study material in attention-grabbing multimedia formats. If the instructor is comfortable with the technology, the student can ask questions. Digital communication tools have simplified the learning process. It includes email, WhatsApp, online forums, and discussion groups. On the other hand, traditional learning involves physical interactions with teachers and peers. It may lead to advancement in your career.  

Personalized Learning Experience: 

Around 30 to 40 students learn together in traditional learning. And a teacher attends the whole class. The teacher might not meet or address every student’s needs in this case. Online learning leverages technology and individualized teaching models. It ensures a personalized learning experience. Plus, digital learning platforms are equipped with technical tools. They help in promoting a better learning experience.  

Better Engagement with the Tutor: 

Students learn 5x more through elearning than through the traditional learning model, as every student tends to learn at their own pace. Digital learning allows them to take as much time as they want to absorb. It eliminates the feeling of discouragement among peers. Plus, online learning provides more space and time for students to talk with the tutor. Shy students can easily share course-related queries through messaging or other digital means.  

Whereas, in traditional classrooms, the lectures are given on the spot. Students miss a lot of essential points during lectures. It happens due to a lack of synchronization between the tutor and learner. 

24/7 Accessibility 

Elearning enables students to have free access to all the learning materials. It includes module content, lecture materials, assignments, podcasts, and recorded sessions.  

All the content is accessible all around the clock. Module tutors are within easy reach for postgraduate courses. They assist with any questions through messages, Skype calls, Zoom meetings, and emails. A student has to visit the physical location to speak with tutors in traditional learning. The interaction is limited to assigned hours only. It can be limiting, especially for working individuals.  

Elearning enables the students to access course materials from anywhere in the world. Their location, time zones, or current status doesn’t matter. It is the best suitable option for everyone—a busy professional studying online in the late hours of the night. Even a homemaker can brush up her knowledge while raising the kids along.  

Benefits of Traditional Learning.

Traditional learning is teacher-driven. It implies several students attend the classes at a specific time and place. This setting involves one-on-one lecture-discussion. Plus, combine studies with peers and interaction with the tutor during working hours. The traditional learning process has a few advantages: 

  • Many experienced teachers are not very comfortable with the new technology. 
  • A kinetic learner performs more by taking in-person courses with workshops and labs. They cherish the opportunity to network with other learners in the classroom.  
  •  A group of students and teachers work together in a traditional classroom. It helps in building self-confidence in students.  
  • It cultivates interpersonal skills. Also, it provides a platform to learn and interact in person. These skills further help in personal and professional lives.  
  • A traditional classroom has set deadlines and schedules to complete assignments. It enables learners to work in high-pressurized environments.  

Benefits of Elearning? 

Elearning presents many benefits, especially for busy professionals who juggle time and responsibilities. Today businesses are embracing always-connected, always-on culture.  

  • Online tutoring is favourable for adult learners who juggle work and home. It offers the flexibility of submitting their opinions online. The classroom discussions are more productive because we learn more when we write.  
  • A greater self-motivation and discipline are the key to successful online education. It makes learners more responsible for their learning, conscious of time and schedule, and efficient in meeting deadlines.  
  • Online learning is all about individualized learning. It increases student autonomy by allowing them to work at an individualized pace. The student experiences one-on-one, tailored instructions from the teacher. There has been a significant shift from a curriculum-centred to a learner-centred environment, making elearning a winning proposition.  
  • Elearning might be more current instead of relying on out-of-date textbooks. Its modules are updated to pace up with the evolution in information. 
  • You don’t need a car, a new wardrobe, or a backpack. Simply sit down on your comfy couch with your computer and type.  

Which One Is Better? 

The educational field is constantly evolving because of emerging technology. With new trends emerging, new research reveals the best training tactics. The best hack to be on top of your shifting career is to learn through a process.  

Which learning method should you choose? 

Traditional classes are more productive for pre-primary and primary students. Younger students tend to have short attention spans. Face-to-face learning helps them interact with their peers. It instils discipline by following a regular schedule. Plus, traditional learning offers continuous interaction between teachers and students. Thus, it helps in overcoming the fear of exams.  

On the other hand, eLearning inculcates a sense of discipline among students. The learners hold a great responsibility for their learning. It instils the element of self-motivation to meet deadlines. They are conscious of their time and schedule. 

Successful eLearners are digitally literate. They are trained for the dynamic technical environment. Plus, they strive to enhance their expertise in technological tools.  

So how will you decide which method is best for you? Both learning methods are effective. It all boils down to the proverb: “each to his own.” 

Make the Final Choice: 

There is no wrong or right answer to the final verdict of traditional learning vs. eLearning.  

There are countless reasons why eLearning could take the world by storm. The internet has made quality education more accessible than ever. Learners from remote areas of the world can study with the best online tutors. People don’t need to give up their dreams anymore if they cannot travel amidst a pandemic.  

When it comes to the final choice, everything depends on personal preference. Plus, knowing how you learn best. Both methods are highly effective. You need to do some self-evaluation before making the final choice.

MuzTraditional Learning Vs. Online Learning
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Confused? – Easy guide to choose subjects in O-level?

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It’s okay to be confused.

Well, I wish it could be answered! The deciding factor in subject selection will be your career counselling and the fields.

What is the point of taking sciences if you finally take accounting as your profession or being a mechanical engineer looking back to your choices. Biology! Really?

This misconception is must be corrected that one who is not dazzling in studies chooses commerce and the one who is genius selects sciences, preferably “biology”. We all been through this at least once. 

Today let’s talk take an insight of my career journey. In 9th I chose Biology as my major working towards aeronautical engineering, with determination I applied for the engineering university, after a tough competition I passed my aptitude but was rejected on medical grounds; I was colour blind. Finally pursued Chartered Accountancy! Well, if I was career counselled at the very beginning of my higher studies and the medical abnormalities were normal and known to me, I would have paved my path towards my accountancy career.

Break-Down of Ordinary Level’s Subject. (Pakistan) Administrative Zone 4

The Cambridge O Level program is a three years certification, in which student has to pass Five compulsory subjects to pass the exams but three optional subjects are must for admission in the local university; theoretically, any three subjects can be chosen. However, most schools have set subjects into groups and the student is mandated to choose any of the group.

There are Five Compulsory and Three optional Subjects.



Pakistan Studies–2059 


English Language–1123 

Urdu–3247 or 3248 


  1. Medical Science
  1. Computer Science
  1. Commerce
  1. Humanities and Social Sciences

The 9th subject.

Mathematics Additional–4037  

English Literature–2010 

Art and Design–6090 

A subject from above three can be chosen as the 9th subject for your O levels, this is specifically to enhance your skills, not at all necessary.

Career Choice


(BSc. Finance, CMA, CA, ACCA, ICMA etc.)

If you desire to choose any accountancy related career a good option is to have a very firm basis for it. In O levels commerce group will help you get the basic gist of the bookkeeping and Business. Never worry for the curriculum, if you need a tutor for your O levels commerce in Karachi, Pakistan, we are here to help you out. 

Medical Fields:

(Medicine, Dentistry, Podiatry, Optometry, Chiropractic, Pharmacy, and Veterinary Medicine)

Well, each division of the medical field has a vast variety of fields leading by surgeons and practitioner followed by consultancies. It requires substantial investment both regarding time and money if one is determined to follow the field, and all the hardships there in the basic in O levels will lead to the greater understanding in the university. Medical Sciences will help an individual mark the basic understanding in professional life. Our team of medical sciences tutors marvel in teaching concept with examples and illustrative pictures to reinforce the concept. Conceptual learning is a must in the medical field. Being biology it requires a firm knowledge of living organisms, chemistry will lead you to understand the chemical composition in them and physics will relate one to the laws of nature and ways to use them or overcome them to progress. Take a demonstration of our tutors.

Computer Sciences:

(Software Developer, Database Administrator, Hardware Engineer, Systems Analyst, Network Architect, Web Developer, Information Security Analyst, Computer and Information Research Scientists.)

Let’s talk about the inevitable future. As per many analysts, the future will lead to massive unemployment most of the current skills and fields will turn obsolete, as it did in the era of industrialization. Today, we cannot deny our dependence on the electronics, being it a cellophane or your car, security system in your office or home, auto-pilot in planes and now cars we are stepping towards an era of computers. Now is a perfect time for your kin and kith to learn to code, skills what future needs and for that the basics of O levels is undeniable. Computer sciences will enable one to think creatively and basics of the computer, if fed well, will lead to a certain successful future. And yes, we have computer sciences experts in our tutor base, they know where you stand and will enable you to polish your skills. 


(Civil Engineering, Computer Engineering, Mechanical Engineering, Electrical Engineering, Software Engineering, Chemical Engineering, Aerospace Engineering, Automotive Engineering.)

A four years program which ensures a good status, decent salary and easy investment. Yes, engineering is of many types, graduation is merely the start of a life-time learning process where if you want to be a part of the industry you need to enhance your skillset. As one says, “you go to bed with a piece of knowledge and wake up to find that it’s obsolete.” If you keep yourself updated, you need not worry. fraternity of engineers is one of the important parts of the country’s development.

We at Tutors and Tuition ensure, no matter what your child desires to choose, we are always here to provide the best tutor with experience, knowledge, and qualification. Our career counsellors bring out the interests and by a team of skilled tutors in Karachi, Islamabad, Lahore – Pakistan, we establish a chain of home and online tutors who are linked to assist and develop a firm educational network.

MuzConfused? – Easy guide to choose subjects in O-level?
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The Phenomena of Karachi’s Education

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Karachi is the world’s 7th largest city is impaired by a good educational institution!

At now in 2020 there are 6 educational boards, conducting examinations in Karachi. Namely,

Cambridge-British Council

  1. (CAIE) Cambridge Assessment International Education.

United States of America, Switzerland.


Board of Education Sindh


As everyone agrees, education is a crucial aspect of one’s life, however, few know the true meaning of education; it is to prepare one for the challenges in an adult’s life. School fails all but a tiny portion of the students! Schools are segregated mainly into two parts, highly academic private schools or deprived government schools where human ingenuity, energy, goodwill, and talent all get lost on an industrial scale. We are so much normalized to it that every one of us has either gave up on one’s dream or killed someone else’s. Just open the curriculum of your sixth or eighth-grader, where is marketing, ethics, competition, leadership, and management? Should not everyone educate themselves with it? Tutors are stress and burden for the students. If a tutor is ill-prepared himself, he will teach the same to his pupil.

The problem lies in the national curriculum; we are too used to the normal syllabus. The personality development is lacking in 90% of the graduates, soft skills do nothing in your resume, education has become an industry to mass-produce Mizaru, Kikazaru, and Iwazaru.

CAIE and IB in Karachi is a bright step in educational development, their curriculum is updated but little they impact on personality development. Examination criteria of CAIE embark the ambitious students by awarding marks on what one knows than how much one writes. IB excels in educational development by their project-based learning rather than exam based. However, firstly these boards are not available to Karachi’s majority because of the financial reasons, and secondly, less desirable by the middle class as these boards are not honored and recognized by the universities in Karachi.

BSEK and BIEK, if I should phrase it in such words that these boards and their execution are an utter joke in the 21st century and the developed era we are in, is not disrespectful. From their curriculum to their execution, the condition of government schools or lack of their operation is evident proof of the seriousness of The Government of Sindh.

Execution of Online Classes by the government is still pending in September when schools are about to reopen, which was planned to air during the coronavirus pandemic.

The literacy rate of Karachi or Pakistan is not very high, still, half of the population i.e. females of the nation either face objectivism or gender discrimination. I often get a request from parents to provide them with female tutors at their homes, when they don’t allow their female children to travel, heed, or explore the field and profession they want to enjoy!

AKU-EB and ZUEB is a step in the right direction to examine secondary and intermediate candidates, but when the problem lies in the curriculum, the examination is only a small step to right the system.

Our educational system needs to be revamped, the obsolete course needs to be updated, the new curriculum needs to be introduced, our students should learn to solve the challenges of life, being risk-takers, be intuitive, appreciate goodwill.

We as a nation need to give freedom to our students, the 16-year-old must have a source of income, social interaction, and freedom of speech and choice. They are the future developer, support of our country and by now every one of us should accept and realize that the current system is not working.

Education is not the learning of facts but the training of the mind to think.

We at Tutors and Tuition are always up for this change, academic change is a must, personality development, counseling, and widening the perspective of an established career. We are willing to train teachers on how to ignite the learning interest, tutors to establish a firm connection with the students, and educators to reinstate real education.

Be it Home tutors or Online Tutors, institutions or academies, private or government schools and colleges, we are inclined to constantly introduce change in the educational system because the mode and aspect of education keep changes.

MuzThe Phenomena of Karachi’s Education
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Why Is There a Need For Home Tuitions?

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Teacher(whispering) Sorry your kid failed again; she can’t focus in class. I usually don’t do this but you are so concerned about her grades, send her to my house I will give her private tuitions. And yes, don’t tell anyone just giving you the favor.

An under-average kid needs tuition!

Hey, your kid’s grades aren’t good, assign tuition for him!

Awww! My kids are so good in academics they never need tuition!

Mumma, if you hire a tutor everyone will taunt Bhai that he is mentally weak…

The group who chooses science is the most intelligent, computer studies must be very average in studies, tch poor soul wasting his life in arts and commerce what can he do was very weak in academics.


Today, let me answer you, why your kid needs a Tutor?

We are living in Pakistan, A country blessed with everything except literacy! Our education systems are barely surviving, corruptions, ill-thought-out boards, outdated course, poorly invigilated exams, and marking without guidelines! Sounds like none of it is your issue? Must be from Cambridge! Yes, a good alternative but not so affordable.

This was a rant on the education system, now let me answer your question.

Does your kid love to study?

You can be honest to yourself, if yes then he must have a routine which I will discuss, but if not then it is an alarming sign, they might waste their all potential, believing their whole life that it is stupid.

Yes, every kid is not equal intellectually and the habits which seeds in earlier age provides a great benefit over time, do you think your kids do not need a home tutor? Are you always available to them during their study? Do you understand their study pattern? Does your kid have a schedule, reading habit, command over the language, confidence? Is he a problem solver or a help seeker? I will provide a comprehensive list that will ensure you that your kid is doing great in school.

Does he/she enjoy going to school?

Does he/she have any class presence?

Does he/she have confidence in the stage presentation?

Does he/she speak fluently?

Does he/she love to solve problems by themself?

Does he/she have any mentor?

Does he/she have a study schedule?

Why is there a need for home tuitions?

Answer these questions to get an assessment of your kid, they can be very good in academics yet some might tell you that they are in dire need of a HOME TUTOR, who can mentor, inject confidence, establish a study schedule, help them speak up, become a good listener and make sure that your kid achieves what he wants to achieve.

Contact Us!

MuzWhy Is There a Need For Home Tuitions?
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Are Tuition Centers Good to Guide Children?

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Hello, today I want to discuss tuition centers, their benefits, and their shortcomings.

When we were in college or most parents can relate me to Parents-Teacher Meeting (PTM) where the teacher always says, “whatever I have explained in the class, just revise it to get the good grades!”

If any teacher ever asks you to send your kid to their private tuition, be alarmed, and question them on their conduct, it is unethical to lure pupils to one of their so-called private tuition. They are independent and allowed to teach after their work but they should not be the same pupil!

Well, to some extent parents send their children to Tuition Centres for this same reason, a daily revision, but mostly these centers are neither well equipped with qualified teachers nor with proper atmosphere.

We at Tutors and Tuition tries to find the best institutes suited for your children near your locality.

If you are one of such centers and want our support to pass our eligibility criteria and you will be under our recommendations.

There are many coaching centers with excellent and resourceful teachers, great environment and staff motivated to bring a real change into pupils.

Let’s talk about the institutes with the famous teachers on its panel. First, a teacher registered into a school/college must give 100% in the classroom rather than lure those pupils to his private coaching center for better grades. I have experienced multiple coaching centers with renowned teachers who supposedly taking 90 minutes class, however, in reality, it is not over 30 minutes because of their busy schedule and commitments with multiple academies. Perfect money-making machines! 

Our tutors address the issue by giving the committed time to the pupil, and their continuous accumulation of knowledge makes them the most up to date in education.

Institutes or Private tuition, one thing is for sure revision what you require can be achieved if they do their respective jobs with righteousness.

Education is not pressuring someone to produce results, but uncovering the potential! Hence, Education made easy. Contact us!  keep a check on our teachers.

MuzAre Tuition Centers Good to Guide Children?
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