Academic Bank of Credits Explained: A Simple Guide for Students

Think of it as a digital savings account… but instead of money, it stores your academic credits! The Academic Bank of Credits allows students to collect, transfer, and redeem credits earned from different institutions under one unified system.

The ABC was launched under the National Education Policy (NEP) 2020 to make higher education more flexible. It aims to encourage multiple entry-exit options, lifelong learning, and mobility between institutions.

Every time you complete a course, your university uploads the earned credits to your ABC ID on the DigiLocker platform. These credits remain valid and can be used later if you switch colleges or pause your studies.

The University Grants Commission (UGC) oversees the Academic Bank of Credits. Only UGC-recognised and NAAC-accredited institutions can participate, ensuring the credibility of stored credits.

Switch between universities easily Take breaks and resume studies without losing progress Combine credits from online and offline courses Enables interdisciplinary learning and flexibility

Simplifies student mobility across universities Promotes credit-based learning models Encourages collaboration between colleges and online platforms Helps maintain transparent academic records

Visit abc.gov.in Sign up using your DigiLocker account or Aadhaar Get your unique ABC ID Start earning and tracking credits through your institution

With the ABC, education becomes more flexible and student-driven. It’s not just about completing a degree, it’s about building your learning journey, one credit at a time.