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Before we explore the The Academic Bank of Credits (ABC) is a digital repository that stores a student’s academic credits earned from recognized higher education institutions (HEIs). Think of it as a bank account, but instead of storing money, it stores your academic achievements.
It was officially launched by the Government of India under the University Grants Commission (UGC) and the Ministry of Education, as part of the vision outlined in the NEP 2020.
ABC allows students to:

• Earn credits for every course or subject they complete.
• Deposit those credits in their ABC ID (unique student account).
• Use accumulated credits to redeem degrees, diplomas, or certificates from any recognized institution.

This model gives students academic freedom — enabling them to learn at their own pace, from multiple institutions, and even across disciplines.

Here’s a simplified breakdown of how the ABC system functions:

• 1. Registration:
  
  Students and higher education institutions (HEIs) register on the official ABC portal (https://www.abc.gov.in) using their DigiLocker or Aadhaar ID.
• 2. Creation of ABC ID:
  
  After registration, students receive a unique ABC ID — a digital identity that stores their academic credit records.
• 3. Earning Credits:
  
  As students complete courses, universities upload the earned credits to the National Academic Depository (NAD), which automatically links to the student’s ABC account.
• 4. Storing Credits:
  
  These credits are stored securely and can be accessed by the student at any time — much like checking a bank statement.
• 5. Credit Redemption:
  
  When students accumulate enough credits, they can redeem them for a qualification — such as a degree, diploma, or certificate — from any ABC-participating institution.

The NEP 2020 envisions a future where learning is:

• Multidisciplinary
• Flexible
• Modular
• Student-centric

The Academic Bank of Credits is the foundation of this vision.
It promotes seamless academic mobility, allowing students to:

• Switch between institutions or disciplines without losing progress.
• Pause and resume education as needed.
• Build qualifications over time — not necessarily in a single institution.

This makes higher education more inclusive, accessible, and adaptable to the evolving needs of modern learners and working professionals.

Let’s look at what makes ABC a game-changer for Indian education:

• 1. Credit Accumulation and Transfer
  
  Students can earn credits from different recognized universities, whether online or offline. These credits can be transferred between institutions — breaking the rigid boundaries of traditional education.
• 2. Multiple Entry and Exit Options
  
  One of the major highlights of NEP 2020, enabled by ABC, is the multiple entry and exit system. For example:
  • Exit after 1 year → Earn a Certificate
  • Exit after 2 years → Earn a Diploma
  • Exit after 3 years → Earn a Bachelor’s Degree
  • Complete 4 years → Earn a Bachelor’s (Honours) or prepare for Postgraduate programs
  
  

  This ensures that no year of study goes waste, even if a student decides to pause their education.

• 3. Digital Record of Academic Achievement
  
  All your academic records are stored digitally, eliminating the need for paper transcripts and making it easier to share verified achievements with employers or universities.
• 4. Inter-Institutional Collaboration
  
  ABC promotes collaboration among universities and colleges. Students can take courses from multiple institutions, creating a more diversified and enriched learning experience.
  
• 5. Empowerment for Learners
  
  The biggest shift that ABC brings is the power of choice — students decide what to learn, where to learn it, and how to build their academic journey.

The ABC framework brings immense advantages for both students and institutions. Let’s explore them in detail.

• For Students:
  
  
  • Flexibility: Learn at your own pace and convenience.
  • Mobility: Easily transfer between universities without losing progress.
  • Transparency: View and verify your academic records digitally anytime.
  • Recognition: Earn credits from multiple institutions and combine them toward a single degree.
  • Security: Academic records are safely stored in digital format under government authentication.
  • Lifelong Learning: Continue education at any age, resuming from where you left off.
• For Institutions:
  
  
  • Enhanced transparency and credibility.
  • SiEncouragement of interdisciplinary programs and partnerships.
  • Increased student engagement through modular and online learning options.

The University Grants Commission (UGC) has provided clear guidelines on how the credit system functions under ABC:

• One credit typically represents 30 hours of learning, including lectures, tutorials, and practicals.
• Universities must follow the Choice Based Credit System (CBCS).
• Only accredited institutions (by NAAC or approved bodies) are allowed to upload and transfer credits.
• Online and distance learning courses approved by UGC-DEB (Distance Education Bureau) also count toward credit accumulation.



This ensures standardization across the nation, maintaining the quality and authenticity of all credited programs.

The integration of the Academic Bank of Credits with DigiLocker — India’s national digital document storage system — allows:

• Easy access to verified academic records.
• Quick sharing of credentials with universities or employers.
• One secure platform for lifelong academic documentation.

Students can log in using their DigiLocker credentials to manage their ABC account, view their credits, and track progress.

• Visit the official website: https://www.abc.gov.in
• Click on “Student Registration”
• Log in using Aadhaar or DigiLocker credentials
• Fill in the required details (Name, Date of Birth, Email, etc.)
• Once completed, you’ll receive your unique ABC ID

This ID becomes your lifelong academic identity for tracking and redeeming credits.

Let’s imagine a student named Riya pursuing a BBA degree:

• In Year 1, she studies in Delhi University and earns 40 credits.
• In Year 2, she transfers to Mumbai University — her 40 credits transfer automatically via ABC.
• She completes her degree and later takes an online certification in Digital Marketing from IGNOU — these credits are also added to her ABC account.

Now, Riya’s educational achievements are consolidated in one place — verified, accessible, and usable for future opportunities.
That’s the power of the Academic Bank of Credits.

The Academic Bank of Credits is not just a technical system — it represents a paradigm shift in how India perceives education. It aligns Indian higher education with global standards, supporting:

• Student mobility across borders
• Integration with global credit systems
• Recognition of online and blended learning

As more institutions join the ABC ecosystem, students will gain unprecedented freedom to design their own educational pathways — from local universities to international collaborations.

The Academic Bank of Credits (ABC) is a monumental step toward flexibility, freedom, and lifelong learning.
It breaks away from rigid, one-size-fits-all education systems — allowing you to take charge of your academic journey. With the ABC system, every learning effort counts.
Every skill, course, or module you complete adds real value to your educational portfolio.
In short, the Academic Bank of Credits empowers you to:

Learn anytime, anywhere — and make it count.

we ensure our students’ courses are aligned with the Academic Bank of Credits framework, giving them nationally recognized, transferable academic value. Whether you pursue an Online MBA, BBA, or Postgraduate Program, your efforts translate into credits that move with you — across institutions and into your career.