You intend to switch over from Distance mode to regular mode.
You would not be able to transfer the credit and moreover, you need to have completed your 10+2 before entering into a degree course by regular mode. Age relaxation or exemption is given for distance mode and private candidates who are returning back to education after a few years break.
UGC has introduced a credit transfer system wherein a candidate provided he/she satisfies all the requirements of the study including gazzetted officer verified attendance and study certificates, then the credit(time and course year) can be transfered form Regular to Distance, Distance to Distance, Private to Distance mode only.Please read this credit transfer details.(http://subhartidde.blogspot.com/2017/03/what-is-credit-transfer-policy.html)
IGNOU has a policy of credit transfer if a student of IGNOU is joining another university that is listed under IGNOU's MoU as a partner institution (http://www.ignou.ac.in/ignou/aboutignou/Partners/27/29)
You have two options now
Option:1 to continue and finish the distance mode degree and move forward, I hope it would be a bachelor's degree. in the meantime you can get some employment and then once you complete you bachelor's then do a relevant master's degree to improve your chances of promotion and better pay.
Option:2, Since you have completed only one semester and if you have passed your 10+2 and keen on a regular mode degree, then choose wisely and join for a bachelor's degree different from what you are doing and complete both with prior approval from the university. UGC and local universities allow the candidate to take ONE regular and ONE distance mode degree with prior approval.
Some institutes offer a fast track or indirect credit transfer for students who have completed one year of degree study if they enroll as private candidates (https://dips.ac.in/b-com-in-one-year/), please contact them and verify the information from UGC before you shift or agree for payment to such universities.