Hi Karthikeyan, I am a ca final student doing self study 4 all d subjects. I am very comfortable studying on my own. But that doesnt mean I dont face any problems. Many times I felt stuck in some portion. Whenever that happened, I wud leave that portion & study something else. After a few days, I wud refer again that portion . This time it wud be more clear. The other problem with self study is that u may not be regular in ur studies. When u go for coaching, u will attend classes compulsorily, It may not be the same case with a student doing self study(I have a lot of difficulty in this aspect as I am a very very lazy guy). Also time consumption is another facor. A student doing self study definitely requires more time than a student attending classes. But I dont believe that the extra time we spend is a waste. It wud help us fare better in exams than the ones going 4 classes.
So my suggestion wud be to do self study first & get a basic idea about all d subjects. Then u will be in a situation to decide whether u need to take coaching 4 any subjects. Opt 4 classes 4 only d subjects which u think u cant do on ur own.