At the same time, if a student scores 100 in 4 subjects and 89 in the fifth, his/her effective CGPA will be (10+10+10+10+9)/5 = 9.8, whereas,  percentage-wise, this student would have scored 97.8% { (489/500) X 100}, which is way beyond the 90% of the aforementioned 10 pointers.