Take This Quiz & Predict Your Score in the coming CA CS or CMA Exam!
  • How important it is for you to pass the exam in this attempt?
  • What percentage of course you have finished well so far roughly?
  • How many hours you study in a day?
  • How many times you have revised the topics you have finished
  • Have you taken online or pen drive or live class from a renowned faculty?
  • What percentage of the classes you have watched?
  • Have you attempted mock tests or practice tests yet?
  • Are you planning to attempt mock tests conducted by external bodies- ICAI, ICSI, ICMAI or other institute?
  • How many tests you have taken?
  • Did you manage to finish the test papers on time?
  • Are you strictly following study material provided by the exam conducting authority such as ICAI/ICSI/ICMAI/Other Body?
  • How is your health in general?
  • How is your food habit?
  • Any interest in yoga or exercise or play sports regularly?
  • Planning to sleep well nights before the exams?
  • Planning to have light food and water before exams?

Story of Dinesh Rathi (Become CA at the age of 48)

Story of Dinesh Rathi (Become CA at the age of 48) is going to share with you a amazing story of Dinesh Rathi. He became a Chartered Accountant at the age of 48 after 30 years of not giving up. Here is my story.  If you are quitting CA after facing several failures? this story will inspire you. We are sharing this story with all of you Because even if one individual gets inspired by my journey, it would be worth it.

Dinesh Rathi’s  CA journey started in 1978 and it took me 30 long years to finally have the honorable title of CA before his name, and so it is special in every way. Here his story of determination, resoluteness, and an undying spirit to carve out a niche for self.

How Dinesh Rathi Began his Career In CA?

He was born and brought up in a small town, Bhusawal in Maharashtra (India) in a lower-middle-class family with very limited resources.  He was a good student at school and always dreamt of becoming a doctor however because of the high tuition fees pursuing medicine was ruled out!

Observing my interest in studies, His  father advised me to prepare for Chartered Accountancy exams because of the prestige this course held and also the career opportunities one has after qualifying.

Back then (1978), becoming a Chartered Accountant was considered a great feat as only a few people managed to clear the exams. He loved challenges and so decided to go for it.

Also, CA was well known for being one of the most economical qualifications in India where one could work while studying. Just perfect for him!

And here started his CA journey in 1978.

Dinesh Rathi kept going forward with little support 

Since he came from a lower-middle-class family, I had a lot of financial responsibilities. He did not have the luxury to focus 100% on ‘just’ studying!

So along with my articles and CA preparation, he helped my dad in his small business and on certain days even gave tuitions to earn some extra income!

For a few years this was his routine – Wake up at 4 am, prepare for his lectures, then attend articles, give tuitions and later study for CA!

All of this left me very exhausted with little time to study and obviously he kept failing my CA Exams.

A few years later he completed my CA articles but was still not able to clear his CA Final exams!

Forging his own path: Working full time and still pursuing CA

Fast forward, he got married and as his family grew (he has 3 children) his responsibilities increased and the study time for CA reduced!

Initially teaching was the only source of income, but later, he realised he had to hustle a lot more to make ends meet!

That’s when he decided to start a few businesses on the side to earn some extra income…so he started washing milk bags and selling them, trading shirt pieces, and spices etc.

Eventually, he learnt the craft of furniture making and started this business (of course while still teaching!). Luckily this took off and life got better financially!

So now his day started with giving lectures on Accountancy, managing my business, and then taking care of his family.

Did He give up on my CA dream in the midst of all this? NO. 

Even after a hectic workday, he would study and prepare for his CA exams every night! his parents, his wife- Shubhangi and children supported me in every way they could.

There were days when I would be sitting in the same exam hall as my students but nothing demotivated me.

he knew CA was a challenge he had taken and strived hard to give in all the efforts he could. Nothing else bothered ever.

Finally qualifying as a CA after 30 long years!

Almost 20 years into his CA journey, in 1998, he met with an accident; and unfortunately, had badly damaged a finger on his right hand! (Even today it still doesn’t bend.)

Everything came to a standstill and his dream of becoming a Chartered Accountant seemed impossible!

It was then that his wife encouraged him to use his left hand to write. It was not easy at all but somehow, with every passing day; my conviction grew stronger and he continued with his CA preparation.

After almost 6 years, he was able to use his right hand again!

In the meanwhile, he kept appearing for the exams and would fail by a few short marks! In fact, by now he had even given up on checking the exam results!

Finally, on the 16th of January 2008 (the golden day of my life), my phone was ringing.

His youngest daughter Neha (she was 14 at that time) answered the call. On the other side, was a relative (Mrs. Darak) whose son had appeared for the exam along with him.

Here is the conservation:

Mrs. Darak: Hello Neha, is anybody elder at home?

Neha: Yes, Dad is there.

Mrs. Darak: Anyone other than him?

Neha: No, it’s only both of us at home.

Mrs. Darak: Ok. no problem. Tc!

Now the relative called up my uncle who lives in the next building.

Mrs. Darak: Congratulations! Dinesh is a CA now.

Uncle: What ??? Repeat please.

(He was waiting for this day for 30 years!)

Relative: Yes! It’s CA Dinesh Rathi. Please go and tell him in person.

My uncle immediately rushed home, asked me to sit down and gave me a glass of water. (They were concerned that I should not get an emotional shock!)

Uncle softly said, “Beta Dinesh, tu CA ban gayo !” (Dear Dinesh, you have become a CA!)

As always, I had expected to fail. So when he told me I passed the exams, I couldn’t believe myself. I hugged my daughter and started crying.

Everyone from my wife to my children to my neighbours and even my students were so overjoyed…after all, it was a 30-year long journey!


Life may look perfect today but he had his own share of challenges. His NEVER GIVE UP attitude helped me through it all.

No matter what the circumstances, He was not ready to give up.

It was not easy pursuing CA for so long. But this strong desire of becoming a Chartered Accountant helped him overcome all challenges. 

Giving up was a very easy option but he wanted to pursue his desire. He wasn’t looking for instant gratification. And I am so glad his  perseverance paid off.

His journey of becoming a CA came with surprises of its own, but today He can proudly say that it is because of this course that he became the man he is today!

His advice to young professionals is – Life is all about the journey and not just the destination.

Dinesh Rathi has completed 40 years of his teaching career! And now is an elected Municipal Corporator and also an author of more than 8 academic books. He is more than happy to guide professionals and CA aspirants with his experiences. 

Now It’s Your Turn…

Are you happy with what you are doing in life? Do you have a dream which you are about to give up?

Are you motivated by reading my story?

Let us know in the comments and don’t forget to share it with your friends who need that push in life.



Leave a comment

Your email address will not be published. Required fields are marked *