AI SummaryAcademic Bank of Credits (ABC) is a digital platform of Ministry of Education, regulated by University Grants Commission (UGC), that lets students store, transfer and redeem academic credits earned from recognized institutions. The ABC portal at abc.gov.in is accepting student registration and login through DigiLocker, and the scheme now works with the APAAR ID (Automated Permanent Academic Account Registry) under the "One Nation, One Student ID" plan.
Academic Bank of Credits Scheme is an academic service mechanism for storing and transferring the academic credits of a student. It is in line with the new National Education Policy (NEP) 2020. As of July 2026, more than 26 crore students have a verified APAAR ID and over 1,200 awarding institutions are registered on the ABC platform.
Academic Bank of Credits Website at abc.gov.in
Academic Bank of Credits Scheme lets students move across Higher Education Institutions (HEIs) and transfer their credits between programs and institutions. Students can access the Academic Bank of Credits website at https://www.abc.gov.in/
How Academic Bank of Credits Scheme Works
In Academic Bank of Credit Scheme, credits awarded to a student for one program from an institution may be transferred or redeemed by another institution upon the student's consent. Credit transfer is the key to smooth study mobility, which can be achieved through the Academic Bank of Credits Scheme.
ABC is a digital credit bank where the credits a student earns are stored and can be used later to complete a degree, diploma or certificate. Credits stay valid for up to 7 years for transfer and redemption, and once redeemed they cannot be used again.
Academic Bank of Credit Scheme Brief
Academic Bank of Credits works as a single online system that keeps a clear record of every credit a student earns. Here is a quick look at what the scheme covers:
- Credit accumulation and redemption across institutions
- Online centralized system linked to DigiLocker
- Credit audit trail management for every student
- Credit accounting through the student's APAAR ID
Academic Bank of Credits Scheme Highlights
| Detail | Information |
|---|---|
| Scheme Name | Academic Bank of Credits (ABC) |
| Launched By | Ministry of Education, Government of India |
| Regulated By | University Grants Commission (UGC) |
| Beneficiaries | Students of Higher Education Institutions |
| Student ID | APAAR ID (One Nation, One Student ID) |
| Official Website | abc.gov.in |
Benefits of Academic Bank of Credits Scheme
Academic Bank of Credits Scheme gives students the freedom to study at their own pace and pick up learning again after a break. The main benefits of the scheme are:
- Enables student mobility across institutions and programs
- Gives academic flexibility with multiple entry and exit options
- Allows a student to choose their own learning path
- Recognizes learning achievements from formal and skill programs
Key Features of Academic Bank of Credit Scheme
Academic Bank of Credit Scheme brings together all the learning records of a student under one digital identity. The main features of the scheme are:
- Multiple entry and multiple exit options for students
- Anytime anywhere learning for students
- Allows a student to study at their own pace
- Clear and open record of student credits
- Allows academic institutions to keep the credits safe
- Maintains the authenticity of student credits
- Keeps student credits private and secure
- Easy credit transfer through digital mode
- Faster credit recognition
Academic Bank of Credits Scheme Student Registration & Login
As per National Education Policy 2020, the Academic Bank of Credits (ABC) has been made to help students move freely across the Higher Education Institutions in the country with a proper credit transfer system from one program to another, leading to a Degree, Diploma or PG-diploma.
Students register on the ABC portal and get a unique APAAR ID linked to their Aadhaar and DigiLocker account. The registration of institutions and services is a key part of the academic bank of credit. ABC stores the credits awarded by registered institutions in the student's account. Only credits submitted by an authorized institution are accepted for storage and validation by the ABC.
How to Make Student Registration / Login at abc.gov.in
Here is the complete process to make student registration and login at the Academic Bank of Credit Website:
STEP 1 - Visit the official Academic Bank of Credits Scheme website at https://www.abc.gov.in/
STEP 2 - At the homepage, go to the "Account" section and click on the "Student" link as shown here:
STEP 3 - Then the page to make Student Registration at the Academic Bank of Credit Scheme Portal will appear as shown below:
STEP 4 - Then Sign Up with DigiLocker and complete the ABC Scheme student registration process. If you already have an account, then make Sign In to open the Academic Bank of Credits Scheme Student Login page as shown below:
STEP 5 - Applicants can enter mobile, Aadhaar or username and click on the "Sign In With OTP" button to make Student Login at the Academic Bank of Credits Scheme Portal.
APAAR ID and Academic Bank of Credits
APAAR ID is a unique 12-digit student identification number linked to the ABC system. Introduced as part of the "One Nation, One Student ID" plan, APAAR creates a single academic identity for every learner. It is accessible through DigiLocker and the ABC platform, and it brings together a student's educational records from higher education, skill and vocational education, and other learning programs onto one platform.
For remote and underserved areas, APAAR IDs can be generated through the nearest Common Service Centre (CSC) too. Students can find out more about the APAAR ID at https://apaar.education.gov.in/
Academic Bank of Credits Scheme Notification
ABC is based on the principle of distributed and flexible teaching and learning that allows a student to learn as per their convenience, drop education mid-way and pick it up again as per their choice. This also helps in cutting the dropout ratio while improving the gross enrollment ratio.
Academic Bank of Credits (ABC) platform has been developed by Digital India Corporation under the Ministry of Electronics and Information Technology (MeitY) under the DigiLocker framework, with the facility of opening an Academic Account by the student and onboarding of eligible HEIs. ABC digitally stores the academic credits earned by students from HEIs registered with ABC, for awarding degrees, diplomas, certificates and other courses. ABC will make sure the opening, closure and validation of Academic Bank Accounts, credit verification, credit accumulation and credit transfer or redemption for students.
As per recommendations of NEP-2020, the Commission with the concurrence of Ministry of Education has notified 'The University Grants Commission (Establishment and Operation of Academic Bank of Credits in Higher Education) Regulations, 2021' in the Gazette of India on 28th July 2021 which can be checked using the link - https://www.ugc.gov.in/pdfnews/9327451_Academic-Bank-of-Credicts-in-Higher-Education.pdf
Contact Information
Address: National e-Governance Division, Ministry of Electronics & IT, 4th Floor, Electronics Niketan, 6, CGO Complex, Lodhi Road, New Delhi - 110003, India
E-mail ID: abc.support@digitalindia.gov.in
Mobile Number: +91-11-24303-714
Academic Bank of Credit Website - https://www.abc.gov.in/
FAQ's
What is Academic Bank of Credits (ABC)?
Academic Bank of Credits is a digital platform of the Ministry of Education, regulated by UGC, that stores, transfers and redeems the academic credits earned by students from recognized institutions. It works like a credit bank linked to the student's APAAR ID.
How to register on the ABC portal?
Students can register on the ABC portal at abc.gov.in by signing up with their DigiLocker account. After registration, a unique APAAR ID is created and linked to the student's Aadhaar and DigiLocker account.
How long are ABC credits valid?
Academic credits stored in the ABC are valid for a maximum of 7 years for transfer and redemption. Once a credit is redeemed, it cannot be used again for transfer or redemption.
Yes
Student registration
When I login by mistak without sign up
No registration verification adhar no
When I login with out sigh up