Thinking about becoming a Chartered Accountant in Pakistan? You're not alone. Every year, thousands of ambitious students search for clear information about CA course fees in Pakistan. The good news is that pursuing a CA qualification from the Institute of Chartered Accountants of Pakistan (ICAP) is more affordable than many international certifications. In this comprehensive guide, we'll break down the complete CA Pakistan fee structure 2025, including registration costs, exam fees, tuition charges, and hidden expenses you need to know about before starting your journey.
What is the CA Course in Pakistan?
The Chartered Accountancy qualification in Pakistan is a professional certification offered by ICAP, the country's premier accounting body. This globally recognized credential opens doors to high-paying careers in audit and assurance services, financial reporting, taxation, and corporate finance.
The CA program follows a structured, module-based approach that includes theoretical learning, practical training through articleship, and rigorous examinations. Unlike traditional university degrees, the CA qualification emphasizes real-world accounting skills and professional ethics that employers value.
Entry Routes for CA in Pakistan
ICAP offers multiple entry points depending on your educational background:
- After Intermediate (FSc/FA/ICS): Students can register directly for CAF (Chartered Accountancy Foundation) or CFAP (Certificate in Accounting and Finance)
- After A-Levels: Direct entry into the foundation level
- After Graduation (BCom/BBA/BS Accounting): May qualify for exemptions and direct entry to intermediate level
- Without Mathematics: Yes, you can pursue CA without a strong math background, as the focus is more on financial accounting and business concepts
Complete CA Pakistan Fee Structure 2025 Breakdown
Understanding the total cost of CA in Pakistan requires looking at each stage separately. Here's a detailed fee breakdown for 2025:
1. CAF/CFAP Level Fees (Foundation Stage)
The journey begins with either CAF or CFAP, depending on your educational background:
- Registration Fee: PKR 3,000 – 5,000
- Student Enrollment: PKR 2,500
- Course Fee (per module): PKR 8,000 – 12,000
- Examination Fee (per attempt): PKR 4,500 – 6,000 per paper
- Study Material: PKR 5,000 – 10,000
Total Foundation Level Cost: PKR 35,000 – 55,000 (depending on attempts and study materials)
2. CA Intermediate Level Fees
After clearing foundation, students progress to the intermediate stage:
- Registration & Enrollment: PKR 10,000 – 15,000
- Module Wise Fees: PKR 20,000 – 30,000 per module
- Exam Fees: PKR 6,000 – 8,000 per paper
- Computer-Based Test Charges: PKR 3,000 – 4,000
- ICAP Membership Fee (Student): PKR 5,000 annually
Total Intermediate Cost: PKR 80,000 – 120,000 (excluding retakes)
3. CA Final Level Fees
The final stage represents the culmination of your CA journey:
- Registration Fee: PKR 15,000 – 20,000
- Course Fees: PKR 35,000 – 50,000
- Examination Fee (all papers): PKR 25,000 – 35,000
- ICAP Student Subscription: PKR 6,000 – 8,000
Total Final Level Cost: PKR 80,000 – 115,000
4. Additional Costs You Should Know About
Beyond official ICAP fees, budget for these expenses:
- Coaching Academy Fees: PKR 25,000 – 80,000 per level (varies by city)
- Study Material & Books: PKR 15,000 – 30,000 total
- Articleship Period Expenses: While you receive a stipend, initial training costs exist
- Exam Re-attempt Fees: PKR 4,000 – 8,000 per paper
- Professional Development: PKR 10,000 – 20,000 for additional certifications
Grand Total for Complete CA Journey: PKR 250,000 – 450,000 (approximately 3.5 to 5 years)
This makes CA one of the most affordable professional qualifications compared to international certifications.
City-Wise CA Course Fees Comparison
CA Course Fees in Lahore 2025
Lahore hosts numerous ICAP-approved learning providers and coaching centers:
- Top CA Academies: SKANS, PACANS, Raza & Rashid
- Average Tuition Cost per Level: PKR 35,000 – 60,000
- Study Material Availability: Extensive, with multiple bookstores
- Accommodation for Outstation Students: PKR 8,000 – 15,000 monthly
CA Course Fees in Karachi 2025
As Pakistan's commercial hub, Karachi offers the most CA training options:
- Premium Academies: Mirchawala Hub, PAC Academy
- Tuition Fee Range: PKR 40,000 – 75,000 per level
- ICAP Head Office: Located in Karachi for direct support
- Living Expenses: Higher than other cities (PKR 12,000 – 20,000 monthly)
CA Course Cost in Islamabad 2025
The capital city provides a balanced learning environment:
- Renowned Institutes: ICMA Pakistan, local CA tuition centers
- Average Coaching Charges: PKR 30,000 – 55,000
- ICAP Regional Office: Available for student queries
- Cost of Living: Moderate (PKR 10,000 – 18,000 monthly)
CA Fees in Other Major Cities
- Multan: PKR 25,000 – 45,000 for academy training
- Faisalabad: PKR 25,000 – 40,000 per level
- Peshawar: PKR 22,000 – 38,000 coaching fees
- Rawalpindi: Similar to Islamabad rates
- Quetta: Limited options, PKR 20,000 – 35,000
CA Articleship Training and Stipend
A unique aspect of the CA qualification is the mandatory articleship period, which provides hands-on training:
Articleship Duration
- Minimum 3.5 years of practical training
- Can be completed alongside intermediate and final studies
Monthly Stipend During Articleship
Article training isn't just about learning—you earn while you learn:
- First Year: PKR 10,000 – 15,000 per month
- Second Year: PKR 15,000 – 22,000 per month
- Third Year: PKR 20,000 – 30,000 per month
- Final Period: PKR 25,000 – 40,000 per month
Total Earnings During Articleship: PKR 800,000 – 1,200,000 (over 3.5 years)
This stipend significantly offsets your course expenses, making the CA journey financially sustainable.
CA vs ACCA: Fee Comparison in Pakistan
Many students wonder whether to choose CA or ACCA. Here's an honest cost comparison:
| Aspect | CA (ICAP) | ACCA |
|---|---|---|
| Total Course Fee | PKR 250,000 – 450,000 | PKR 600,000 – 800,000 |
| Duration | 3.5 – 5 years | 3 – 4 years |
| Practical Training | Mandatory articleship | Optional |
| Stipend During Training | Yes (PKR 10,000 – 40,000) | Not standard |
| Recognition in Pakistan | Higher for local firms | Growing acceptance |
| International Recognition | Strong in South Asia | Global recognition |
Verdict: CA is significantly more affordable for Pakistani students and offers better local job prospects, especially in Big 4 firms and government positions with the Federal Board of Revenue (FBR) and Securities and Exchange Commission of Pakistan (SECP).
Scholarships and Financial Assistance for CA Students
Worried about affordability? ICAP and various organizations offer financial support:
ICAP Merit Scholarships
- Offered to top performers at each level
- Can cover up to 50% of course fees
- Based on exam performance and financial need
Need-Based Assistance
- Available through ICAP's student support program
- Requires documentation of financial hardship
- Covers registration and exam fees partially
Private Sector Scholarships
- Several CA firms sponsor talented students
- In exchange for commitment to work after qualification
- May cover full tuition and provide stipend
Provincial Government Support
- Some provinces offer educational grants
- Check with your local education department
- Typically for students from underprivileged backgrounds
How Long Does It Take to Complete CA in Pakistan?
The realistic timeline for CA qualification:
- Foundation Level: 6 months – 1 year
- Intermediate Level: 1.5 – 2.5 years (including articleship)
- Final Level: 1.5 – 2 years (including remaining articleship)
Total Duration: 3.5 to 5 years on average
Factors affecting completion time:
- Study dedication and time management
- Number of attempts per exam
- Articleship training schedule
- Whether you study full-time or alongside work
Career Opportunities and Starting Salary After CA
Job Prospects
The CA qualification opens diverse career paths:
- Big Four Firms (Deloitte, PwC, EY, KPMG): High demand for CAs
- Banking Sector: State Bank of Pakistan, commercial banks
- Corporate Finance: CFO, financial controller roles
- Taxation: FBR, tax consultancies
- Independent Practice: Start your own CA firm
- International Opportunities: Gulf countries, UK, Canada
CA Salary in Pakistan (2025)
- Fresh CA: PKR 80,000 – 150,000 per month
- 2-3 Years Experience: PKR 150,000 – 300,000
- Senior Positions: PKR 400,000 – 800,000+
- Partners in CA Firms: PKR 1,000,000+ monthly
The return on investment is excellent considering the total course cost of PKR 250,000 – 450,000.
Why Choose ICT BUSINESS SCHOOL for CA Preparation?
While pursuing your CA qualification through ICAP, quality coaching makes a significant difference in your success rate. ICT BUSINESS SCHOOL offers comprehensive support for aspiring chartered accountants:
Advantages of ICT BUSINESS SCHOOL
- Expert Faculty: Qualified CAs and ACCA professionals
- Structured Curriculum: Aligned with ICAP syllabus
- Affordable Fee Structure: Competitive rates without compromising quality
- Flexible Timings: Evening and weekend batches for working students
- Study Material Included: No extra cost for books and notes
- High Pass Rates: Proven track record of student success
- Modern Learning Tools: Digital resources and online support
- Mock Exams: Regular practice tests simulating actual ICAP exams
Special Focus on Advanced Accounting: ICT BUSINESS SCHOOL excels in preparing students for complex accounting topics, financial reporting standards, and taxation—the toughest areas of CA exams.
Payment Options and Installment Plans
Most institutions, including ICAP and coaching academies, understand financial constraints:
ICAP Payment Flexibility
- Pay per module rather than full course upfront
- Exam fees paid separately before each attempt
- No interest on delayed payments (late fees may apply)
Academy Installment Plans
- Monthly payment options available at most centers
- Typically 3-6 month payment plans
- Small processing fee (5-10% of total)
- Post-dated cheques or monthly bank transfers accepted
Self-Study Option
For extremely budget-conscious students:
- Use ICAP's official study material (PKR 15,000 – 25,000 total)
- Join online study groups for free
- Watch YouTube tutorials from qualified CAs
- Appear for exams without academy coaching
Estimated Self-Study Total Cost: PKR 150,000 – 250,000 (just ICAP fees and basic materials)
CA Exam Pass Percentage and Difficulty
Being realistic about the challenge ahead:
Pass Rates (Recent Data)
- Foundation Level: 35% – 45%
- Intermediate Level: 25% – 35%
- Final Level: 20% – 30%
Why Is CA Difficult?
The Chartered Accountancy examination tests deep understanding of:
- Complex financial reporting under IFRS
- Pakistan's taxation laws and corporate finance
- Audit and assurance methodology
- Business communication and professional ethics
- Information technology applications in accounting
Success Strategies
- Consistent study schedule (4-6 hours daily)
- Focus on understanding, not memorization
- Regular practice with past papers
- Join study groups for peer learning
- Attend revision classes before exams
Alternative Career Paths if CA Seems Too Challenging
If after researching you feel CA isn't the right fit, consider:
- ACCA: More international focus, slightly easier exams
- ICMA (Cost and Management Accounting): Industry-focused
- PIPFA: Public sector accounting specialization
- CPA (Certified Public Accountant): For international career
- MBA in Finance: Academic route with broader business focus
Each has its own fee structure and career trajectory, but CA remains the most prestigious accounting qualification in Pakistan.
Latest Updates for CA in Pakistan 2025
Stay informed about recent changes:
Digital Transformation
- ICAP introducing online CA classes for remote students
- Virtual CA exams for certain modules being piloted
- Computer-based testing expanded to more cities
- Digital study materials and e-learning platforms
Syllabus Updates
- New CA syllabus 2025 includes AI in accounting
- Enhanced focus on digital accounting tools
- Updated taxation modules reflecting latest FBR policies
- Greater emphasis on IFRS implementation in Pakistan
Fee Changes
- Slight increase (5-8%) in ICAP registration fees
- Exam re-attempt fees revised upward
- Student membership subscriptions adjusted for inflation
FAQs About CA Pakistan Fee Structure 2025
How much does CA cost in Pakistan in 2025?
The total cost to become a Chartered Accountant in Pakistan ranges from PKR 250,000 to 450,000, including ICAP registration fees, exam charges, and study materials. If you add coaching academy tuition, expect PKR 350,000 to 600,000 total. However, the stipend earned during articleship (PKR 800,000 to 1,200,000 over 3.5 years) significantly offsets these expenses.
Is CA expensive in Pakistan compared to other qualifications?
No, CA is actually one of the most affordable professional certifications. Compared to ACCA (PKR 600,000 – 800,000) or an MBA from a private university (PKR 500,000 – 1,500,000), the CA course offers better value. Plus, you earn during articleship, which other qualifications don't provide.
Do CA students get paid during training?
Yes, CA students receive a monthly stipend during their mandatory 3.5-year articleship training. The stipend starts at PKR 10,000 – 15,000 in the first year and can reach PKR 25,000 – 40,000 in the final period. This makes CA financially sustainable for students from middle-income families.
Can I do CA after matric or must I complete intermediate first?
You need to complete at least intermediate (12th grade) or equivalent education to register for CA in Pakistan. Direct entry after matric (10th grade) isn't allowed by ICAP regulations. Students with FA, FSc, ICS, or A-Levels can register for the foundation level immediately.
What is the difference between CAF and CFAP?
CAF (Chartered Accountancy Foundation) is the traditional entry route requiring completion of ICAP's own foundation exam. CFAP (Certificate in Accounting and Finance) is an alternative entry pathway where students complete a certificate program that combines foundation studies with basic accounting skills. Both lead to the same intermediate level, but CFAP takes slightly longer and costs marginally more.
Are there scholarships available for CA students in Pakistan?
Yes, ICAP offers merit-based scholarships covering 25% – 50% of course fees for top performers. Additionally, need-based financial assistance is available through ICAP's student welfare program. Many CA firms also sponsor talented students in exchange for a work commitment after qualification. Check ICAP's official website for current scholarship application deadlines.
Conclusion: Is CA Worth the Investment in 2025?
After analyzing the complete CA Pakistan fee structure 2025, the answer is clear: Yes, pursuing CA remains one of the smartest career investments you can make.
With a total cost of PKR 250,000 – 450,000 and earnings of PKR 800,000 – 1,200,000 during articleship, you actually profit financially during your studies. After qualification, starting salaries of PKR 80,000 – 150,000 per month mean you'll recover your investment within months.
The demand for qualified Chartered Accountants continues growing in Pakistan's expanding economy. Organizations like the State Bank of Pakistan, SECP, FBR, and multinational corporations actively seek CAs. With the right preparation and dedication, this qualification can transform your career trajectory.
Ready to Start Your CA Journey?
Don't let financial concerns hold you back from this rewarding profession. With proper planning, scholarships, and the stipend from articleship training, CA is accessible to dedicated students from all economic backgrounds.
Take the next step in your accounting career! Book a seat at the Advanced Accounting Courses offered by ICT BUSINESS SCHOOL and get expert guidance for your CA preparation. Our experienced faculty, comprehensive study material, and proven track record will give you the competitive edge you need to succeed.
Visit ICT BUSINESS SCHOOL today to learn more about our specialized CA coaching programs, flexible payment plans, and how we can support your journey to becoming a qualified Chartered Accountant. Your successful career in accounting starts here!
Note: Fees mentioned are approximate and may vary slightly based on ICAP policy updates and academy locations. Always verify current rates from ICAP's official website before registration.