From Missing CM1 by 8 Marks to Scoring 80 – A Story of Growth, Resilience, and Determination
Success in actuarial science is rarely defined by a single examination. It is shaped by consistent effort, disciplined preparation, and the willingness to learn from every experience. At S.MONK – School of Actuaries, we have witnessed many inspiring student journeys, and Tirth Bhanushali's story is a remarkable example of what perseverance can achieve.
Starting Early with a Strong Foundation
Tirth began his actuarial preparation immediately after completing his 10th Board examinations. Rather than rushing into professional exams, he dedicated his initial months to strengthening his mathematical and statistical foundations.
This phase was focused on developing conceptual clarity, analytical thinking, and problem-solving skills—qualities that form the backbone of every successful actuarial career. Building these fundamentals early gave him the confidence to approach the CM1 syllabus with a structured mindset.
The First Challenge
Tirth appeared for the CM1 examination in September 2025. After months of dedicated preparation, he scored 51 marks, while the passing mark for that session was 59.
Missing the qualification by just 8 marks was undoubtedly disappointing. However, close results often provide the clearest indication that success is within reach. Instead of viewing the outcome as a setback, Tirth treated it as an opportunity to reassess his preparation and refine his approach.
Turning Experience into Improvement
Every examination provides valuable insights beyond the final score. Following his first attempt, Tirth carefully reviewed his performance, identified areas requiring greater attention, and redesigned his study strategy with renewed focus.
Balancing the demands of Class 12 Board examinations alongside actuarial studies required discipline, careful planning, and unwavering consistency. Throughout this period, he remained committed to his long-term goal without losing sight of either academic responsibility.
A Well-Earned Achievement
The results of that commitment became evident in the April 2026 CM1 examination, where Tirth secured an impressive 80 marks.
Improving from 51 to 80 marks represents far more than an increase in score. It reflects stronger conceptual understanding, improved examination technique, greater confidence, and the maturity that comes from embracing challenges rather than avoiding them.
This achievement demonstrates that meaningful progress is often the result of continuous refinement rather than dramatic changes.
Looking Ahead
Having successfully cleared CM1, Tirth is now preparing for the CS1 examination scheduled for September 2026. His journey continues with the same determination that has brought him this far, and we are confident that his commitment will support him in achieving many more milestones in the actuarial profession.
A Story That Inspires Every Aspirant
Many students believe that success belongs only to those who clear every paper on the first attempt. Tirth's journey tells a different story.
It reminds us that progress is not always linear. Temporary setbacks do not define capability; the response to those setbacks does. Every challenge presents an opportunity to grow stronger, improve deeper, and return better prepared.
For aspiring actuaries, this is perhaps the most valuable lesson of all: persistence, combined with the right guidance and consistent effort, can transform disappointment into achievement.
At S.MONK – School of Actuaries, we are proud to celebrate not only outstanding results but also the determination, resilience, and dedication that make those results possible.
Congratulations, Tirth Bhanushali!
Your journey from narrowly missing the qualifying mark to achieving an outstanding CM1 score is an inspiration to every actuarial student. We wish you continued success as you prepare for CS1 in September 2026 and look forward to celebrating many more milestones in your actuarial career.
S.MONK – School of Actuaries
Building Future Actuaries Through Excellence, Discipline, and Determination.
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