How do I make characters?

System

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krossfire

I am a beginer in 3d modelling. I know how to model stuf. Thats it. Next I know i should retopo, unwrap and texture them. But things are still confusing to me when it comes to creating a ready character for game. Can anyone please help me with each and every process that undergo while creating a fully functioning game character starting from modelling. Also recommend me the softwares required in the process. I use Maya and zbrush for modelling purpose as of now. I just dont know what to do next
I need help guys......