first u have to figure out what u actually want to do ? or in what area u have interest?
Then ,
u can consider any option out of above or other but dont go for ca only.
i mean if u r willing to join c.a then take b.com also..
i am saying this because many people stuck at ipcc level for long and then they start loosing hopes and confidence and when u do b.com , atleast u dont need to worry about it because u know that u have an option if u r not able to continue with c.a.then u can join any other course may be of management line or the other based on ur b.com.
Either
go for B.com from REPUTED UNIVERSITY only , thn after completion of this join c.a.
or
join b.com and ca/cs at same time ..