The short answer
Multiply each semester's SGPA by that semester's credits, add those products, and divide by total credits:
Equivalently: total credit points across all semesters divided by total credits. Skip the manual math: the CGPA Calculator does the weighting and shows the plain-average error.
Step 1: Get each semester's SGPA and credits
From your grade cards, list every semester's SGPA and its total credits. If you don't have an SGPA for a semester yet, compute it from that semester's courses with the SGPA Calculator — see How to Calculate SGPA.
Step 2: Weight each SGPA by its credits
A 30-credit semester counts three times as much as a 10-credit semester. Multiply each SGPA by its credits. This is the step the plain-average method skips — and the step that makes the answer correct.
Step 3: Add and divide
Add all SGPA × credits products. Divide by total credits.
Worked example (UGC's own). Semesters: credits 20, 22, 25, 26, 26, 25; SGPAs 6.9, 7.8, 5.6, 6.0, 6.3, 8.0. Numerator: 138 + 171.6 + 140 + 156 + 163.8 + 200 = 969.4. Denominator: 144. CGPA = 969.4 ÷ 144 = 6.73.
Why the plain average is wrong
Many sites teach CGPA as (SGPA₁ + SGPA₂ + …) ÷ n. That is correct only when every semester carries the same credits. Otherwise it mis-weights the semesters.
Counterexample. Semester 1: SGPA 9.0 on 10 credits. Semester 2: SGPA 5.0 on 30 credits. Plain average: (9.0 + 5.0) ÷ 2 = 7.00. Correct credit-weighted: (9.0×10 + 5.0×30) ÷ 40 = 240 ÷ 40 = 6.00. The plain average overstates CGPA by a full point, because it gives the light semester as much weight as the heavy one. If a site's CGPA method looks like a plain average, it is wrong whenever credit loads differ.
What you need on remaining credits
To plan a target CGPA: Required average = ((Target × Total credits) − (Current CGPA × Completed credits)) ÷ Remaining credits. If the required average is above the scale maximum (10), the target is impossible. The CGPA Calculator's target solver computes this, including the max achievable CGPA.
SGPA, CGPA, GPA — don't conflate them
SGPA covers one semester. CGPA covers your whole program on the 10-point scale. GPA usually means the US 4.0-scale equivalent. The structures are the same (credit-weighted), but the scales differ — and there is no official formula converting Indian 10-point CGPA to US 4.0 GPA. Any such number is an estimate.
CGPA to percentage
There is no universal conversion — each institution defines its own (CBSE ×9.5, Anna ×10, VTU (CGPA−0.75)×10, and more). See CGPA to Percentage Conversion and the CGPA to Percentage Calculator.
Common mistakes
- Averaging SGPAs without credits. The single most common CGPA error.
- Mixing SGPA and CGPA. A strong final semester lifts CGPA only in proportion to its credits.
- Using the wrong scale. CGPA on the 10-point scale is not a US 4.0 GPA.
- Treating percentage conversion as universal. Each institution defines its own formula.
- Forgetting that CGPA can fall. A semester below your current CGPA pulls it down, in proportion to its credits.
Tools: CGPA Calculator, SGPA Calculator, CGPA to Percentage Calculator.