Academic Credit Transfer is a UGC-approved system that allows students to move from one college or university to another without losing their completed academic credits. It helps learners continue their education smoothly even if they face issues like relocation, academic gaps, dissatisfaction with the current college, or personal circumstances. Under the Academic Credit Bank (ABC) and NEP guidelines, students can transfer credits earned in previous semesters and join the appropriate level in a new institution. This guide explains how credit transfer works in India, who is eligible, required documents, benefits, and how students can complete their degree without starting over.