How do we calculate Anna University's GPA and CGPA if we have arrears?

The CGPA and GPA are based solely on the subjects you have completed. If you fail seven out of eight subjects in a semester but receive an "S" on the one you did pass, for instance, you will have a GPA of 10 for that semester. Your GPA and CGPA are updated as you pass each of the courses you failed.

Ignore the subjects you failed; instead, focus on the credits for the ones you passed; multiply those credits by the grade you obtained, and continue adding the values for all the subjects you passed. Divide this figure by the total number of credits earned in the subjects you've completed. This will calculate your GPA. Because the credits for each semester are not the same, you must perform this calculation for all subjects beginning with your first semester to determine your CGPA.