The only 3-year programme where you study, earn, and graduate with a legally guaranteed job.
apply now
1 Year Classroom + 2 Years Internship
Classroom + Industry Placement
Any stream — Science, Commerce, Humanities
Government approved qualification
CAFM — Certified Accountant & Finance Management is MerchX's flagship qualification. It is a 3-year, NCVET-aligned programme designed to produce finance professionals who are ready for the industry from day one and not after months of on-the-job learning.
Unlike conventional commerce courses, CAFM is built backwards from the real industry. We asked Finance Managers and CFOs what a student needs to contribute from day one and then built the curriculum from their answers. Every module solves a real business problem. Every year takes you deeper into the profession.
By the time you complete CAFM, you won't be looking for your first job. You'll already have one secured through a legal agreement signed before you even begin.
During Years 2 and 3, you're placed inside real organizations and earn stipend. Your education starts paying before it ends.
You work in actual companies by handling real accounts, real compliance, real financial data. Two years of verified experience before you graduate.
MerchX doesn't just promise placements, it signs for them. A legal agreement on ₹200 stamp paper, backed by an advocate.
CAFM is Skill India approved and NCVET aligned, giving your qualification national credibility and recognition across industries.
AI-powered visual learning. Real accounting software. Three structured phases. Industry-grade assessments at every stage.
Placed inside real partner organizations. Real work, real responsibilities, real income. Your career starts here.
Advanced industry tasks. 1-on-1 mentorship. Stipend continues. Programme ends with a guaranteed job already secured.
The CAFM classroom curriculum is reverse-engineered from what Finance Managers and CFOs actually do every day. Industry-first. Every module solves a real business problem before you ever enter a workplace.
All concepts are delivered through AI-generated animated video lessons, followed by live faculty sessions, hands-on software practice, and MerchX's own compliance simulator.
Master real accounting. Prepare financial statements, reconcile accounts, and manage cash flow using industry software from day one.
Move into financial decision-making. Analyse business performance, control costs, and build reports using real data tools.
Handle real statutory compliance — GST, Income Tax, auditing, and business formation. Leave Year 1 ready to file and advise independently.
Every phase ends with a competency-based assessment including theory, software proficiency, and real case scenarios. Measurable employability at every stage.
After Year 1, you leave the classroom and enter the industry. The Integrated Professional Training Programme (IPTP) places you inside real organizations with real responsibilities, a dedicated mentor, and a stipend. From this point, your CV is already being written.
Corporates · Tax Firms · Startups across Kerala and beyond
Foundation to CFO-level problem solving
Personal mentor throughout the 2-year internship
Real earnings over 2 internship years
Upon successful completion of CAFM, MerchX guarantees 100% job placement. This is not a brochure claim. It is a legally binding commitment formalized through an agreement signed on ₹200 stamp paper at enrollment, in the presence of an advocate.
Issued by Central Government / Skill India
Issued by Partner Organization & MerchX
Issued by MerchX Institute of Commerce
CAFM graduates don't enter the workforce as freshers waiting for their chance. They enter as professionals with 2 years of verified experience, a government-recognised certificate, and a job already secured.
Science, Commerce, or Humanities — CAFM is open to all. No prior commerce background required.
If you want to be earning and working within 3 years — not waiting for placements after 4 or 5 — CAFM is built for you.
Accountant, Financial Analyst, Tax Consultant, Finance Manager — if any of these is where you want to be, this is the direct path.
The GCC add-on module opens international career pathways a major employment destination for Kerala's finance professionals.
