Credit Transfer Programs

Finish the degree you started, without starting over

Carry the credits you have already earned into a UGC-recognised university and continue from the right semester. Used most for B.E. and B.Tech.

The courses you passed still count

Every course you pass in a degree earns you credits, and those credits stay on your record. If you could not finish, whether because of backlogs, a break in your studies, a move to another city or a college that did not suit you, the work you have already done is not lost.

Credit transfer is how another university recognises it. The university compares the courses you have passed with its own syllabus, one by one, and admits you to the semester where you should continue. You study the remaining courses there, and that university awards the degree.

Most students who take this route are in engineering, where many leave college with only a few papers pending. Revamp Consultancy helps you find out what you can carry forward, which universities will accept it, and what to check before you pay a fee.

Three routes that are often confused

All three let you continue without repeating what you have finished. They are meant for different students, and different rules apply to each.

Credit transfer

The subject of this page
For
Students who studied part of a degree at one university and want to complete it at another.
You join
The semester the new university places you in, after matching your passed courses with its syllabus.
Decided by
The university you move to, under its credit transfer policy and UGC rules.

Lateral entry

Direct second year
For
Diploma holders in engineering, and B.Sc. graduates who had Mathematics in Class 12.
You join
The second year (third semester) of B.E. or B.Tech.
Decided by
AICTE eligibility norms, and the admission rules of the State and the university.

Re-admission

Back to the same university
For
Students who stopped midway and want to return to the university where they first enrolled.
You join
The semester where you left, if you are still within the maximum period that university allows for the degree.
Decided by
Your original university and college.

How far your credits can take you

National rules set two limits that most advertisements leave out. At least half of the degree must be earned at the university that awards it, and credits do not stay valid for ever. Move the slider to see what that means for you.

Count only the courses you passed. One semester with every course cleared is about 20 credits.

100of 160 credits
0160
When did you earn them?
A four-year B.Tech. of 160 credits, shown as eight semesters
Can be carried forward, at most
80credits
Earned, but over the half-way limit
20credits
Still to earn at the new university
80credits, about 4 semesters

You have passed more than half of the degree. Only half can count towards a degree from another university, so plan for about four semesters there.

Credits from 2021-22 onwards can be held in your Academic Bank of Credits account, and the new university receives them from there.

This is an illustration, not an evaluation. It uses 160 credits, the figure in AICTE's model curriculum for B.Tech.; universities differ a little. The university you apply to decides, course by course, which of your credits match its syllabus, and it may accept fewer than the limit shown here.

Who this route is for

Credit transfer is an academic process with conditions. These are the situations we see most often, and what usually applies in each.

You have backlogs you could not clear

You carry credits only for the courses you passed. Courses you failed or did not write are studied and examined again at the new university, under its syllabus. Transfer gives you a fresh start on those papers. It does not waive them.

You discontinued partway

You can usually return if your earlier university was recognised and your credits are recent enough. The national limit for redeeming credits is seven years, and a university may set a shorter one.

You want to move to another university

Family, work, health or a change of city are common reasons. You continue in the same programme and branch, and you need a migration certificate from the university you are leaving.

Your time limit has run out

Every university fixes a maximum period for finishing a degree. If yours has passed, re-admission there may be closed, and credit transfer to another university may be the route left open, as long as your credits are still valid.

You hold a diploma in engineering

That is lateral entry, not credit transfer. You enter the second year of B.E. or B.Tech. directly. AICTE norms ask for at least 45% marks in the diploma, or 40% for reserved categories.

Programmes you can continue

Credit transfer is used most in engineering. Some universities also accept it for other degrees.

B.E. and B.Tech.

For students who began an engineering degree at an affiliated college or a university and did not complete it.

Branches commonly accepted
  • Computer Science and Engineering
  • Information Technology
  • Electronics and Communication
  • Electrical and Electronics
  • Mechanical
  • Civil
  • Automobile
  • Aeronautical
  • Chemical
  • Biotechnology
  • Instrumentation
  • Mechatronics
Same branch
You continue in the branch you started. Changing branch means too few courses match.
Regular mode
Engineering is not permitted in distance or online mode, so the remaining study is on campus.
Practicals
Laboratory courses and project work are done and assessed at the university.

Other degrees

Offered by fewer universities. Availability depends on each university's policy for the year.

Undergraduate
  • B.A.
  • B.Com.
  • B.B.A.
  • B.C.A.
  • B.Sc.
Postgraduate
  • M.B.A.
  • M.C.A.
  • M.A.
  • M.Com.
  • M.Sc.

Tell us your branch, the university you studied under and the semesters you have cleared. We will check which universities currently accept that combination.

What the UGC and AICTE rules say

Credit transfer is not a scheme run by any agency. It rests on regulations that apply to every university in India. These are the ones that matter to you.

National Education Policy, 2020Where it began
Introduced multiple entry and exit, and an Academic Bank of Credits, so that a learner who stops can come back and continue, at the same institution or at another.
UGC Academic Bank of Credits Regulations, 2021UGC (Establishment and Operation of Academic Bank of Credits in Higher Education) Regulations, 2021
The main rule for credit transfer. Every student can hold an Academic Bank Account, and registered institutions give and receive credits through it.
  • Credits are deposited by the institution that awarded them, never by a student or an agent.
  • It covers credits earned in the academic year 2021-22 or later.
  • Credits stay valid for a maximum of seven years.
  • At least 50% of the credits must be earned at the institution that awards the degree.
UGC Guidelines for Multiple Entry and Exit, 2021Issued with the Academic Bank of Credits
Explain how a student may leave a programme with a certificate or diploma and re-enter later, and how institutions should treat credits earned elsewhere.
National Credit Framework, 2023One scale for all learning
A single framework for school, higher, vocational and skill education. It fixes credit levels so that learning in one stream or institution can be recognised in another.
UGC Minimum Standards of Instruction Regulations, 2025Replaced the 2003 regulations
Require higher education institutions to provide multiple entry and exit in their undergraduate and postgraduate programmes, in line with the National Credit Framework.
AICTE Approval Process HandbookLateral entry to the second year
Sets who may enter the second year of B.E. or B.Tech. directly:
  • a diploma in engineering with at least 45% marks (40% for reserved categories), or
  • a B.Sc. with the same marks, and Mathematics in Class 12, or
  • a B.Voc. or three-year D.Voc. in the same or an allied sector.
Universities provide bridge courses where a student needs them.
UGC Open and Distance Learning and Online Programmes Regulations, 2020Why B.Tech. is on campus
Engineering is among the programmes that may not be offered in distance or online mode. A B.Tech. continued through credit transfer is therefore a regular programme, with classes, laboratories and examinations held by the university.
UGC Private Universities Regulations, 2003Where a university may operate
A private university set up under a State Act works within that State. It cannot affiliate colleges or franchise its programmes through study centres elsewhere. Your admission, examinations and degree come from the university itself.

Sources: University Grants Commission (ugc.gov.in), Academic Bank of Credits (abc.gov.in) and All India Council for Technical Education (aicte.gov.in). Regulations are amended from time to time, and each university adds its own policy within them. We check the current position for the university you choose.

How a genuine transfer works, and when to walk away

Students who are anxious to finish are easy to mislead. Newspapers have reported agents who sold forged certificates in the name of credit transfer. Knowing the difference protects your money and your career.

A genuine transfer

  • The university itself admits you and gives you an enrolment number that you can confirm with it directly.
  • You receive a written statement of the courses accepted and the semester you join.
  • Fees go to the university's account, and the receipt is the university's.
  • You study the remaining courses for real semesters.
  • You write your own examinations, in person, where the university holds them.
  • Your mark sheets and degree carry the actual dates on which you studied and passed.

Walk away if you hear

  • “Someone will write the papers for you.”
  • “The certificates will carry the years of your original batch.”
  • “You will have the degree in two or three months.”
  • “All the B.Tech. examinations are online, from home.”
  • “You never need to contact the university.”
  • “Pay us in cash. No university receipt is needed.”
  • “A pass is guaranteed.”

Universities that take credit transfer admissions

These are the universities most often named for credit transfer in B.Tech. Each is a private university set up under a State Act, and each fixes its own transfer policy, fee and intake.

Bir Tikendrajit University
Imphal, Manipur
The Global University
Itanagar, Arunachal Pradesh
Glocal University
Saharanpur, Uttar Pradesh
IEC University
Baddi, Himachal Pradesh
Arni University
Kangra, Himachal Pradesh
Radha Govind University
Ramgarh, Jharkhand

These names are listed for information only. They are not a ranking, and listing does not mean Revamp Consultancy is an authorised representative of the university. Recognition, approvals and policies can change, so we check each one again at the time you apply.

Check before you pay

We go through these with every student, for the university they have chosen.

  1. Find the university in UGC's list of universities at ugc.gov.in, and see whether UGC has issued any notice about it.
  2. Ask for the university's written credit transfer policy, and for the approvals its B.Tech. programme holds for the year you join.
  3. Get the university's evaluation in writing: the courses accepted, the semester you join and what remains.
  4. Open your Academic Bank of Credits account and link it to your new enrolment.
  5. Pay fees only to the university's own account, and keep the university's receipt.
  6. If you need the degree for a government post, a licence or work abroad, ask that employer or authority whether it accepts the university, before you enrol.

Papers to keep ready

The university evaluates your credits from these. Clear scanned copies are enough to begin, and originals are shown at admission.

From school

  • Class 10 (SSLC) mark sheet and certificate
  • Class 12 (+2) mark sheet and certificate
  • Diploma certificate and mark sheetsFor lateral entry

From your earlier college

  • Mark sheets of every semester you attendedIncluding attempts you did not clear
  • Syllabus of the scheme you studied under
  • Transfer certificate
  • Migration certificate from the university

About you

  • Aadhaar card or passport
  • Passport-size photographs
  • Academic Bank of Credits (APAAR) IDWe help you create one if you do not have it
  • Community certificate, if it applies

A university may ask for more, such as a course completion or no-objection letter from your earlier college. We tell you the exact list once you choose a university.

How Revamp helps

We guide you from the first look at your mark sheets to the day you complete the degree. The university evaluates your credits, admits you, conducts the examinations and awards the degree.

1

Profile evaluation

We go through your mark sheets and syllabus, and tell you plainly what is likely to carry forward and what is not.

2

University shortlisting

We suggest universities whose transfer policy fits your branch, credits and budget, and check their current standing.

3

Admission assistance

We help with the application, documents and migration papers, through the university's own admission process.

4

Transfer and continuation

We stay in touch on registration, examination dates and results until you finish.

Revamp Consultancy is an independent counselling service. We are not a university, and we do not evaluate credits, conduct examinations or issue degrees.

Questions students ask

Is a degree completed through credit transfer valid?

The degree is awarded by the university, and its standing is that of the university. If the university is recognised by UGC and you have studied and been examined under its rules, it is a degree of that university. Whether a particular employer, public service commission or foreign authority accepts that university is their decision, so check with them before you enrol.

I have many backlogs. Can I still transfer?

Yes, if you have enough passed courses for the university to place you in a semester. You carry credits only for what you passed. The pending courses are studied and written again at the new university.

How long will it take to finish?

At least half of the degree's credits must be earned at the university that awards it. For a four-year B.Tech. that means about two years of study there, even if you had cleared more than that earlier. An offer of a degree in a few months is not a credit transfer.

Can I change my branch?

Generally no. Credits are accepted when the courses match, and across branches too few of them do. You continue in the branch you started.

Do I have to go to the university?

For B.Tech., yes. Engineering is not permitted in distance or online mode, so classes, laboratories and examinations are the university's own. Ask the university how it schedules them before you decide, and plan for travel and stay.

Is there an entrance examination?

Transfer admissions are usually decided on your academic record and the credit evaluation. Lateral entry after a diploma may need an entrance test, depending on the State and the university.

What is an Academic Bank of Credits ID?

It is your account number in the national credit bank, now issued as an APAAR ID. You can create it through DigiLocker or at abc.gov.in. Your university deposits your credits into it, and another university can receive them from there with your consent.

My credits were earned before 2021-22. Are they lost?

No. The Academic Bank of Credits holds credits from 2021-22 onwards, but a university can still evaluate earlier study from your mark sheets and syllabus under its own transfer policy. Credits older than seven years are the ones most likely to be refused.

What will it cost?

Fees differ between universities and by the number of semesters you have left. Ask for the university's fee structure in writing, and pay the university directly.

Let's talk about your future

Drop by our Pondicherry office or reach out below. Your Future. Our Guidance.

Office
No. 8, II Floor, Lenin Street, Pondicherry - 605013, Puducherry, India
Phone
8300 130 550
Email
info@revampconsultancy.com