It is wonderful to see so many students thinking about their careers so early and considering global finance certifications like the FRM (Financial Risk Manager) right after finishing school.

But let’s be realistic and break it down step by step so you know exactly what to expect — and whether jumping into FRM straight after 12th makes sense for you.

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📚 The Short Answer: You Can Start Preparing, But Should You Attempt the Exam Immediately?

There is no formal educational prerequisite to register for the FRM exams. Technically, even if you have just cleared your 12th boards, you can sign up and take the FRM Part 1.

So yes — you are eligible.

But should you actually do it right now?
✅ From our experience of teaching thousands of FRM aspirants over the last decade, the honest answer is — it might not be the best idea to jump straight into the exam right after 12th.

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🔍 Why You Should Wait Before Taking the Actual Exam

FRM is a highly specialized certification. It covers deep topics in:

• Risk management frameworks
• Financial markets & products
• Quantitative analysis (statistics, regression, probability, time series)
• Valuation and risk models

Many of these concepts are easier to grasp when you have at least 1-2 years of university exposure, especially to basic finance, accounting or statistics.

The exam is also set from the point of view of someone who might already be in the industry, or at least is close to finishing graduation.

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🎯 So What’s the Smart Approach If You’ve Just Completed 12th?

Actually, this is the perfect time to start building your foundation — without the pressure of an exam date hanging over you.

Here’s what we recommend:

1️⃣ Start studying the FRM curriculum right now. Get the books, join a structured program (like our self-paced or live classes), and build your comfort with the material.

2️⃣ Use this year as a deep orientation — treat it like your trial period. You’ll see what topics excite you, what feels tough, and gradually your understanding will grow.

3️⃣ Plan to take the exam after 1-2 years, once you’re genuinely comfortable. Meanwhile, if you start your graduation in finance, commerce, economics or similar fields, these subjects will also start overlapping beautifully.

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🛠️ What About Work Experience?

To get the final FRM certification, GARP requires 2 years of relevant work experience. This means you anyway have plenty of time to line up your academics and internships before you’re ready to submit your work experience.

So there’s no race. Starting early helps you understand the subjects better, but there is no benefit to rushing to give the exam immediately without that solid base.

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🧮 How Math Intensive Is FRM?

This is one question many 12th-pass students are rightly concerned about.

👉 The short answer: FRM has a moderate level of math, mostly centered around statistics, probability, correlations, regression, and financial modelling.
It is not engineering or actuarial level, but it definitely requires you to be patient with formulas and repeated practice.

So if you start reading slowly right after 12th, you will have a big advantage by the time you hit your final preparation.

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🚀 The Best Part: You Can Still Start Preparing Now

The best students we’ve seen are those who start early — build familiarity over a year or two — and then clear FRM with absolute confidence.

At MidhaFin, we actually encourage early starters. We’ll help you plan:

✅ How to approach the syllabus over 12-18 months
✅ Which chapters to read first so you don’t feel overwhelmed
✅ When to ideally target your Part 1 attempt so that you’re well ahead of your graduation peers

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📅 What You Can Do Today

• Start your learning journey with our Self-Paced FRM Course or even join the ongoing live batch (it’s perfectly fine to join mid-way, since we help you catch up).
• Schedule a custom study plan meeting with us — we’ll look at your current background, your comfort with math, and set a timeline that makes the most sense for you.
  

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❤️ Bottom Line

Doing FRM right after 12th is possible on paper. But taking 12-18 months to study smartly first, without registering for the exam immediately, will set you up for real success.

In other words, use this time to invest in your understanding, not just a certification.
When you’re ready — you’ll not only clear the exam, you’ll also enjoy it.

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✅ Need help figuring this out?
Drop us a message — we’ll be happy to plan it out for you, based on your unique situation.