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CGPA is the credit-weighted average of semester grade point averages, not the simple mean. A heavier semester therefore pulls the CGPA towards its GPA, which is why a strong result in a high-credit semester matters disproportionately.
CGPA
CGPA = Sum of (Semester GPA x Semester credits) / Total credits
Because a 24-credit semester represents more work than an 18-credit one. An unweighted mean treats them as equal and misstates the cumulative result.
In most systems yes, at zero grade points but with their credits included, which is why a single failure has an outsized effect.