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Academic Bank of Credits (ABC)

Also known as: ABC India, Academic Bank of Credits

The Academic Bank of Credits (ABC) is India's UGC-mandated digital repository where learners accumulate course credits from multiple institutions and programmes, supporting the NEP 2020 flexibility goals of multiple entry/exit and credit transfer.

India's Academic Bank of Credits — launched in 2021 under NEP 2020 — works like a financial bank for academic credits. Learners deposit credits earned at any UGC/AICTE-recognised institution into their ABC account (mapped to their Aadhaar-linked DigiLocker). When they switch institutions or re-enter after a break, they can redeem accumulated credits toward their new programme.

LMS requirements for ABC compliance

  • Each course carries a credit value and NCrF level tag.
  • On completion, the LMS generates a credit certificate in ABC-accepted format.
  • Credits are pushed via the DigiLocker issuer API or ABC portal CSV upload.
  • Learner transcripts reflect accumulated credits across all sources.

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Related terms

Learning Management System (LMS)

A learning management system (LMS) is software that delivers, tracks, and reports on learning activities — courses, assessments, certificates, and learner progress — for a defined audience such as a university, training institute, or enterprise.

DPDPA Compliance for LMS

India's Digital Personal Data Protection Act, 2023 (DPDPA) governs how a Data Fiduciary — including a university or LMS vendor — collects, stores, and processes the personal data of learners (the Data Principals).

DigiLocker Integration for LMS

DigiLocker is India's government-operated document wallet. LMS platforms registered as DigiLocker issuers can push degree certificates, mark sheets, and course-completion credentials directly into a learner's DigiLocker — making them permanently accessible and government-verified.

AI Course Builder

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