How to Apply for a University Transfer in Pakistan?

Education Ammar Abbas Last Updated: September 18, 2026 5 min read 6 views
How to Apply for a University Transfer in Pakistan?

How to Apply for a University Transfer in Pakistan?

Changing universities during a degree is possible in Pakistan, but the process depends on the policies of both the university you are leaving and the university you want to join.

Students may seek a university transfer for many reasons. They may move to another city, want to join a better academic environment, face financial or personal difficulties, need a particular specialization, or want to continue their studies closer to home.

A university transfer is not simply a matter of taking your existing transcript to another institution and continuing from the same semester. The receiving university normally evaluates your academic record, completed courses, eligibility, available seats and its own transfer regulations.

The most important issue is usually credit transfer. HEC's policy guidance states that universities develop their own criteria for transferring credit hours, while credit transfer is generally considered on a course-to-course basis. The policy also provides minimum grade conditions for transfer and limits credit transfer to recognized higher education institutions.

Students should therefore confirm the transfer policy directly with the university before leaving their current institution.


What Is a University Transfer?

A university transfer means moving from one higher education institution to another while continuing an existing degree or academic program.

For example:

University A → University B

A student may have completed two or three semesters at University A and may request admission to a relevant program at University B.

If University B accepts the student's previous courses for credit, the student may continue from an appropriate semester rather than starting the entire degree again.

However, the receiving university decides which courses can be accepted and how many credits can be transferred.


Is University Transfer Allowed in Pakistan?

Yes, university transfers can be possible in Pakistan, but they are subject to university-specific rules.

HEC's semester-system guidance provides a framework for credit transfer and states that each university develops its own criteria through the relevant academic authorities. Credits are generally transferred on a course-to-course basis where the previous course is considered equivalent to a course offered by the receiving university.

Therefore, students should not assume that every university accepts transfers under identical conditions.


Why Do Students Transfer Universities?

Students may transfer because of:

  • Relocation to another city

  • Family circumstances

  • Financial difficulties

  • Better academic opportunities

  • Better laboratory facilities

  • Better faculty

  • Better specialization options

  • Personal reasons

  • Transportation problems

  • Hostel issues

  • Health or family circumstances

  • Academic dissatisfaction

  • Change of career direction

  • Desire to study closer to home

  • Transfer from a private university to a public university

  • Transfer between campuses where permitted

The reason for transfer may be important in some institutional procedures, particularly where a migration certificate or approval from the previous university is required.


Can You Transfer in the Middle of a Degree?

In many cases, students can apply for transfer during an ongoing degree.

However, the receiving university may restrict transfers to particular semesters.

For example, a university may accept transfer applicants only after completion of a specific number of semesters or may permit entry only into certain semesters.

Students should check the current admission notice and transfer regulations of the target university.


University Transfer vs Fresh Admission

Students should understand the difference between a transfer and fresh admission.

University Transfer

A transfer normally involves:

  • Existing enrollment in another university

  • Evaluation of previous academic work

  • Credit transfer

  • Possible admission into an advanced semester

Fresh Admission

Fresh admission generally means:

  • Applying as a new student

  • Starting from the first semester

  • Meeting normal admission requirements

  • Usually not relying on previous university credits

If a university does not accept your previous credits, you may have to start again or complete additional courses.


What Is Credit Transfer?

Credit transfer means accepting academic credits earned at one institution toward a degree at another institution.

For example, suppose a student has completed a course worth 3 credit hours at University A.

If University B determines that the course is equivalent to one of its own courses and the student's grade meets the applicable requirement, those credits may be accepted.

HEC guidance describes credit transfer on a course-to-course basis rather than automatically transferring every course completed at the previous university.


Is All Previous Coursework Transferred?

No.

A receiving university may accept some courses and reject others.

The university may compare:

  • Course title

  • Course code

  • Credit hours

  • Course contents

  • Contact hours

  • Laboratory requirements

  • Learning outcomes

  • Grade

  • Academic level

  • Program structure

Some general education courses may be easier to transfer than highly specialized courses, but this depends on the university and program.


Minimum Grade for Credit Transfer

HEC's semester-system guidance states that credit hours are not transferred where the grade is below C for undergraduate students and below B for graduate students.

However, students must also check the receiving university's current regulations because an institution may impose additional conditions.


Does CGPA Transfer to the New University?

Not necessarily.

Credit transfer and CGPA transfer are separate issues.

A university may accept the academic credits from previous coursework without incorporating the previous institution's CGPA into the new university's CGPA calculation.

The exact treatment of grades and CGPA depends on the receiving university's regulations.

Students should obtain written confirmation from the relevant department or examination office.


Can You Transfer to a Different University in the Same Program?

Yes, this is generally the simplest type of transfer to consider.

Examples include:

BS Computer Science → BS Computer Science

BS Civil Engineering → BS Civil Engineering

BS Business Administration → BS Business Administration

Because the programs may have similar course structures, there may be more opportunities for credit equivalence.

However, similarity of program titles does not guarantee credit transfer.


Can You Transfer to a Different Program?

Possibly, but it can be more complicated.

For example:

BS Physics → BS Computer Science

may involve substantial differences in curriculum.

The receiving university may:

  • Reject some credits

  • Require deficiency courses

  • Admit the student to an earlier semester

  • Require fresh admission

  • Refuse the transfer

Students should discuss the proposed change with the target department before applying.


Transfer Between Public Universities

Transfers between public-sector universities may be possible where both institutions' regulations allow them.

The student may need:

  • Official transcript

  • Migration/NOC documents

  • Transfer application

  • Course outlines

  • Character certificate

  • No-dues certificate

  • Approval from the previous university

  • Acceptance from the new university

The exact requirements vary by institution.


Transfer Between Private Universities

Private universities may also have their own transfer and credit exemption policies.

Some institutions may accept transfer students after evaluating:

  • Previous university

  • Degree program

  • Accreditation

  • Course contents

  • CGPA

  • Completed credit hours

  • Available seats

Students should check the current transfer admission policy before paying any application or admission fee.


Transfer from Private to Public University

A student may wish to move from a private university to a public university.

This can be more competitive because the public university may have limited seats and specific merit requirements.

The student should not assume that previous private-university credits will automatically be accepted.

The receiving university may evaluate each course individually.


Transfer from Public to Private University

Moving from a public university to a private university may also be possible.

Some private universities have dedicated transfer or migration procedures.

However, the receiving institution still decides:

  • Eligibility

  • Semester placement

  • Credit transfer

  • Fees

  • Deficiency courses


Transfer Between Campuses

A transfer between campuses of the same university may be easier than transferring to another university, but this depends on the university's rules.

The university may require:

  • Internal transfer application

  • Availability of seats

  • Department approval

  • Academic clearance

  • Fee payment

  • Campus approval

Students should check whether the desired program is offered at the destination campus.


Check HEC Recognition Before Transferring

Before transferring, students should verify the recognition status of the target university and campus.

HEC maintains a list of recognized universities and campuses. Students should verify the exact institution and campus rather than relying only on advertisements or social media claims.

The Pakistan Qualification Register also provides information about recognized/accredited qualifications and institutions. HEC states that qualifications not listed in the PQR are not recognized by HEC.


Check Program Accreditation

Recognition of a university is not always the only issue.

Certain professional programs may also have discipline-specific accreditation or regulatory requirements.

Students in fields such as:

  • Engineering

  • Medicine

  • Pharmacy

  • Nursing

  • Computing

  • Architecture

  • Law

  • Education

should check the applicable professional accreditation requirements.

A student should confirm that the specific program and campus meet the relevant requirements.


Required Academic Documents

A university transfer application may require several academic documents.

Common documents include:

  • Previous university transcript

  • Detailed marks certificate

  • Semester-wise result cards

  • Enrollment verification

  • Degree or admission documents

  • Course outlines

  • Course contents

  • Credit-hour details

  • Intermediate certificate

  • Matriculation certificate

  • CNIC/B-Form where required

  • Passport-size photographs

  • Migration certificate where required

  • NOC where required

  • Character certificate

  • No-dues certificate

The exact list depends on the receiving university.


Why Course Outlines Are Important

Course outlines can be extremely important for credit transfer.

The receiving department may compare your completed courses with its own curriculum.

A course outline can show:

  • Topics covered

  • Credit hours

  • Contact hours

  • Assessment structure

  • Learning outcomes

  • Laboratory components

If the university requests course contents, students should obtain officially verified copies from their previous institution.


What Is an NOC?

NOC means No Objection Certificate.

Depending on institutional policy, a student may be required to obtain an NOC from the current university before transferring.

The NOC may confirm that the current institution has no objection to the student's migration or transfer.

Not every university uses exactly the same terminology or procedure, so students should confirm whether an NOC is required.


What Is a Migration Certificate?

A migration certificate is an academic document used in certain university transfer or migration procedures.

It may confirm that a student is leaving one institution and moving to another.

The requirement varies between universities and jurisdictions.

Students should ask both institutions whether a migration certificate is required.


Can You Transfer Without Leaving the Current University?

Usually, students should not cancel their existing enrollment before receiving confirmation from the new university.

A safer approach is:

Apply → Receive transfer/admission decision → Confirm credit transfer → Complete required formalities → Obtain clearance from previous university

Leaving the old university too early can create unnecessary academic problems.


How Many Credits Can Be Transferred?

There is no single universal number that applies to every Pakistani university and every program.

The receiving university determines the number of acceptable transfer credits according to its regulations and curriculum.

Students should request a written credit evaluation before finalizing their transfer.


Can Transfer Students Start From Any Semester?

Not necessarily.

The semester placement depends on the number of accepted credits and the receiving university's regulations.

For example, a student who has completed four semesters may not automatically be placed in the fifth semester.

If several courses are not accepted, the university may place the student in an earlier semester.


Can Transfer Students Graduate on Time?

Possibly, but it is not guaranteed.

Graduation timing depends on:

  • Number of accepted credits

  • Remaining courses

  • Prerequisites

  • Semester availability

  • University academic calendar

  • Deficiency courses

  • Maximum degree duration

  • Thesis/project requirements

Students should calculate the remaining academic workload before transferring.


Can Transfer Students Receive Scholarships?

Possibly.

Scholarship eligibility depends on the receiving university's scholarship policy.

Some scholarships may be available to transfer students, while others may be restricted to newly admitted students or students who meet specific academic requirements.

Students should check scholarship rules separately from transfer admission.


Can You Transfer During Any Semester?

Not necessarily.

Universities may accept transfer applications during:

  • Fall admission

  • Spring admission

  • Specific transfer windows

  • Particular academic years

Some institutions may not accept transfers every semester.

Always check the latest admission notice.


University Transfer Fees

Transfer-related costs can include:

  • Application fee

  • Admission fee

  • Transfer/migration fee

  • Credit exemption fee

  • Registration fee

  • Tuition fee

  • Examination fee

  • Laboratory fee

  • Other institutional charges

Fees differ significantly between universities.

Students should obtain the latest official fee schedule from the receiving university.


Is Credit Transfer Free?

Not always.

Some universities may charge a fee for evaluating or transferring credits.

Other institutions may include the assessment within the admission or registration process.

Students should confirm the complete cost before accepting the transfer.


What Happens to the Old University Record?

Your previous university normally retains its academic record.

You may need to complete the institution's withdrawal, migration or clearance procedure.

This may involve:

  • Library clearance

  • Hostel clearance

  • Department clearance

  • Accounts clearance

  • Examination clearance

  • Return of university property

  • Issuance of transcript

  • NOC or migration certificate

The exact procedure varies.


Can You Transfer After Completing Most of the Degree?

It may be possible, but it may not always be practical.

If a student has completed most of the degree, the receiving university may have difficulty matching all courses.

There may also be restrictions on the maximum number of credits that can be transferred.

Students should compare the remaining study time at the current university with the possible benefits of transferring.


Is University Transfer Better Than Starting Again?

It depends on the individual situation.

Transfer can save time if a large number of credits are accepted.

Starting again may sometimes be simpler if the previous program is substantially different.

Students should compare:

  • Accepted credits

  • Remaining semesters

  • Total cost

  • University quality

  • Career benefits

  • Accreditation

  • Location

  • Personal circumstances


Common Reasons for Transfer Rejection

A transfer application may be rejected because of:

  • No available seats

  • Low CGPA

  • Incompatible program

  • Insufficient credits

  • Low grades

  • Missing documents

  • University policy restrictions

  • Accreditation limitations

  • Program mismatch

  • Admission deadline

  • Incomplete application

  • Failure to meet merit requirements

  • Maximum transfer-credit restrictions

Students should request the official reason if an application is rejected.


How to Avoid Transfer Problems

Students can reduce problems by:

  • Checking HEC recognition

  • Checking program accreditation

  • Reading the transfer policy

  • Asking the department before applying

  • Collecting official documents

  • Getting verified course outlines

  • Checking credit equivalence

  • Confirming semester placement

  • Confirming total fees

  • Confirming scholarship eligibility

  • Waiting for official acceptance

  • Completing previous-university clearance properly


Important Advice Before Applying

Do not make a transfer decision based only on a verbal promise.

Ask the receiving university for written information about:

  • Eligibility

  • Transfer approval

  • Credit transfer

  • Semester placement

  • Remaining credit hours

  • Fee structure

  • Deficiency courses

  • Graduation requirements

Written confirmation can help avoid misunderstandings.


Final Thoughts

University transfer in Pakistan is possible in many circumstances, but it is not an automatic right to carry every completed course from one university to another.

The receiving university normally evaluates previous academic work according to its own regulations. HEC's framework supports course-to-course credit transfer between recognized institutions, while individual universities determine their detailed transfer criteria.

The safest approach is to first select a recognized university, verify the relevant program, contact the admissions or registrar office, obtain a formal credit evaluation and only then complete the withdrawal or migration process at your existing university.

Students should remember:

Check Recognition → Check Transfer Policy → Apply → Submit Documents → Credit Evaluation → Receive Admission Decision → Confirm Semester → Complete Migration → Continue Studies

Guide Information

Eligibility

University transfer eligibility varies by institution, program and academic discipline. Common requirements may include:
* Current enrollment in a recognized higher education institution.
* Completion of a minimum number of semesters or credit hours where required.
* A relevant or equivalent degree program.
* Minimum CGPA or percentage specified by the receiving university.
* Acceptable grades in courses being considered for transfer.
* Availability of a seat in the desired program.
* Fulfillment of the receiving university's admission requirements.
* Submission of an official transcript.
* Submission of course outlines or course contents where required.
* NOC, migration certificate or clearance documents where required.
* Meeting any program-specific accreditation requirements.
* Meeting any additional departmental conditions.
The final decision is made by the receiving university according to its current rules.

Required Documents

Commonly required documents may include:
1. University transfer application form.
2. Official transcript from the current university.
3. Semester-wise result cards where required.
4. Enrollment verification or student status certificate.
5. Detailed course outlines.
6. Course contents.
7. Credit-hour information.
8. Character certificate.
9. No-dues certificate.
10. NOC where required.
11. Migration certificate where required.
12. Matriculation certificate.
13. Intermediate/HSSC certificate.
14. CNIC or B-Form where required.
15. Passport-size photographs.
16. Admission letter or offer letter from the receiving university where applicable.
17. Previous university clearance documents.
18. Any program-specific documents.
19. Application fee receipt.
20. Other documents requested by the receiving university.
The exact document list must be confirmed with the target university.

Fees

University transfer costs vary by institution.Possible charges include:* Transfer application fee* Admission fee* Registration fee* Credit-transfer/equivalence fee* Migration fee* Tuition fee* Laboratory charges* Examination charges* Student services charges* Other institutional chargesStudents should obtain the latest official fee schedule from the receiving university before finalizing the transfer.

Processing Time

Transfer processing time varies by university and department.It may depend on:* Application volume* Departmental approval* Transcript verification* Credit evaluation* Academic committee approval* NOC/migration documentation* Seat availability* Admission scheduleStudents should ask the receiving university for the current expected processing time.WHEN TO APPLY:Students should apply during the transfer or admission window announced by the receiving university.Transfer applications may be accepted during Fall or Spring admissions, while some universities may have separate transfer deadlines.Students should avoid waiting until the last day because transcript verification, course evaluation and NOC/migration procedures can require additional time.

Application Method

The application method depends on the receiving un

Validity Period

A university transfer approval is normally associated with the specific admission cycle, program and

Step-by-Step Process

  1. Decide why you want to transfer to another university.

  2. Identify the university where you want to continue your studies.

  3. Select the relevant degree program.

  4. Check whether the target university offers your desired program.

  5. Verify the recognition status of the university and campus.

  6. Check whether the specific program meets applicable accreditation requirements.

  7. Visit the target university's official admissions or registrar website.

  8. Find the current transfer or migration policy.

  9. Check whether transfer applications are currently being accepted.

  10. Check the application deadline.

  11. Review the minimum CGPA requirement.

  12. Check whether a minimum number of completed semesters is required.

  13. Check the minimum number of transferable credit hours.

  14. Check the maximum number of credits that can be transferred.

  15. Check the minimum grade required for transferred courses.

  16. Check whether the target university requires an NOC.

  17. Check whether a migration certificate is required.

  18. Contact the relevant department for academic guidance.

  19. Ask whether your existing degree program is considered equivalent.

  20. Obtain your official transcript from your current university.

  21. Collect your semester-wise result cards if required.

  22. Obtain official course outlines for completed subjects.

  23. Obtain detailed course contents if requested.

  24. Collect your enrollment or student-status certificate.

  25. Obtain a character certificate if required.

  26. Obtain a no-dues certificate if required.

  27. Complete the online or physical transfer application.

  28. Upload or attach the required documents.

  29. Pay the application or processing fee.

  30. Submit the application before the deadline.

  31. Keep a copy of the submitted application.

  32. Keep the payment receipt safely.

  33. Wait for transcript and document verification.

  34. Allow the department to evaluate your completed courses.

  35. Ask for the preliminary or official credit-transfer assessment.

  36. Confirm which courses have been accepted.

  37. Confirm which courses have not been accepted.

  38. Confirm whether deficiency courses are required.

  39. Confirm the semester in which you will be placed.

  40. Confirm the number of remaining credit hours.

  41. Confirm the expected remaining duration of your degree.

  42. Review the complete fee structure.

  43. Confirm scholarship or financial-aid eligibility if applicable.

  44. Wait for the official admission or transfer decision.

  45. Do not leave your current university before receiving official confirmation unless specifically instructed.

  46. If accepted, read the admission or transfer offer carefully.

  47. Complete the required admission formalities at the new university.

  48. Obtain the required migration/NOC documentation from the previous university.

  49. Complete clearance from the previous university.

  50. Submit final migration or NOC documents to the receiving university.

  51. Pay the required admission and registration charges.

  52. Register for the approved courses.

  53. Confirm your timetable.

  54. Confirm your student registration status.

  55. Check your remaining degree requirements.

  56. Meet the academic adviser or department representative.

  57. Keep copies of all transfer and credit-transfer documents.

  58. Begin classes according to the new university's academic calendar.

  59. Continue monitoring your academic record after transfer.

  60. Confirm that transferred credits have been correctly recorded.

  61. Complete any deficiency courses required by the department.

  62. Follow the new university's academic and examination regulations.

  63. Keep your new student ID and registration information secure.

  64. Maintain the required CGPA for continuation in the program.

  65. Complete all remaining degree requirements before graduation.

Official Information

Official Website: https://www.hec.gov.pk/?utm_source=chatgpt.com)

Contact: Students should contact the official admissions office, registrar's office or relevant department of the receiving university.For recognition verification, students can consult the official Higher Education Commission (HEC) information regarding recognized universities and campuses.For qualification recognition information, students can also consult the Pakistan Qualification Register maintained by HEC.

Frequently Asked Questions

Can I transfer from one university to another in Pakistan?

Yes, university transfer can be possible, but it depends on the policies of the receiving university, available seats, academic eligibility and credit-transfer rules.

Is university transfer allowed by HEC?

HEC provides a framework for credit transfer, while individual universities establish their detailed transfer criteria. Credit transfer is generally considered on a course-to-course basis.

Can I transfer after one semester?

It depends on the receiving university. Some universities may require completion of a minimum number of semesters or credits before accepting a transfer.

Can I transfer after two semesters?

It may be possible if the receiving university's regulations permit transfer after two semesters and you meet its academic requirements.

Can I transfer after four semesters?

A transfer after four semesters may be possible, but the receiving university must evaluate your completed courses and determine the appropriate semester placement.

Can I transfer in the final year?

It may be difficult because universities may have restrictions on the number of credits that can be transferred and may require students to complete a minimum portion of the degree at the receiving institution.

Will all my credits transfer?

No. Credits are normally evaluated individually, and only courses that satisfy the receiving university's equivalence requirements may be accepted.

How are transfer credits evaluated?

Universities may compare course title, credit hours, course contents, learning outcomes, academic level and grades before deciding whether a course is equivalent.

What is course-to-course credit transfer?

It means that a completed course is considered for transfer only when it is sufficiently equivalent to a course offered by the receiving university.

What grade is normally required for credit transfer?

HEC's semester-system guidance states that undergraduate courses below C and graduate courses below B are not transferred. Individual universities may impose additional requirements.

Does my previous CGPA transfer to the new university?

Not necessarily. Credit transfer and CGPA calculation are separate matters, and the receiving university's regulations determine how previous grades are treated.

Can I transfer from a private university to a public university?

It may be possible, but the public university may apply merit, seat availability, recognition, credit-transfer and other conditions.

Can I transfer from a public university to a private university?

Yes, some private universities accept transfer students, subject to their own admission and credit-transfer policies.

Can I transfer between two public universities?

It may be possible if both institutions' policies allow the transfer and the receiving university accepts the student's academic record.

Can I transfer between two private universities?

Yes, depending on the transfer policy of the receiving university.

Can I transfer to another campus of the same university?

Some universities allow campus transfers subject to seat availability, academic requirements and internal approval.

Can I change my degree program during transfer?

It may be possible, but changing disciplines can result in fewer transferable credits, deficiency courses or placement in an earlier semester.

Can I transfer from BSCS to BSIT?

It may be possible, but the receiving university will decide which courses are equivalent and how many credits can be transferred.

Can I transfer from BSIT to BSCS?

It may be possible where the university permits it, but the department may require additional courses or impose other conditions.

Can I transfer from engineering to another engineering university?

It may be possible, but engineering students should also verify applicable professional accreditation and program requirements.

Is an NOC required for university transfer?

Some universities require an NOC from the previous institution, while others may use different procedures. Confirm the requirement with both universities.

What is a migration certificate?

A migration certificate is an academic document used in certain university migration procedures. Its requirement depends on the institution.

Do I need a transcript for university transfer?

Yes, an official transcript is commonly required so the receiving university can evaluate your previous academic performance and credits.

Do I need course outlines?

Many universities may require course outlines or detailed course contents to evaluate whether previous courses are equivalent.

Can I transfer without an official transcript?

A university may allow an initial application using provisional documents, but final credit evaluation generally requires official academic records.

How long does university transfer take?

Processing time varies by university and depends on document verification, credit evaluation, departmental approval and the admission schedule.

Is there a transfer application fee?

Some universities charge a transfer or application fee, while the amount varies by institution.

Do I have to pay tuition again after transferring?

You will generally be responsible for the tuition and other charges of the receiving university, while treatment of previous payments depends on the policies of your current institution.

Can I get a refund from my old university?

Refunds depend on the previous university's fee-refund policy and the timing of withdrawal.

Can transfer students receive scholarships?

Some universities offer scholarships or financial aid to transfer students, while others may restrict certain awards to new admissions.

Will transferring delay my graduation?

It can. If some previous credits are not accepted or deficiency courses are required, your degree may take longer.

Can transferring save time?

Yes, if a substantial number of previous credits are accepted and you are placed in an appropriate semester.

Should I leave my current university before transfer approval?

Generally, it is safer to obtain official acceptance and credit-transfer information from the receiving university before completing withdrawal or migration formalities.

What happens if the new university rejects my transfer?

You can continue at your current university if you remain enrolled, or explore another institution whose transfer policy matches your academic situation.

Can I apply to multiple universities for transfer?

Depending on the circumstances, you may apply to multiple institutions, but you must follow each university's application rules and deadlines.

Is HEC approval required for every individual university transfer?

Individual transfers are generally handled under the policies of the relevant universities. HEC provides national academic frameworks, while institutions administer their own transfer procedures.

How can I verify whether a university is recognized?

Check the official HEC list of recognized universities and campuses before applying.

How can I check whether a qualification is recognized?

The Pakistan Qualification Register provides information about recognized and quality-assured qualifications and providers.

Can I transfer from an unrecognized institution?

Students should be extremely careful because credit recognition may be affected if the previous institution or qualification does not meet applicable recognition requirements.

Can I transfer to a university in another city?

Yes, geographic relocation is one common reason students seek university transfers, subject to the receiving university's rules.

Can I transfer to a university in another province?

It may be possible, but the receiving university's admission, migration and credit-transfer rules will apply.

Can I transfer to a university in Islamabad, Lahore, Karachi or another major city?

Potentially yes. The key issues are the target university's transfer policy, program compatibility, seat availability and credit evaluation.

Can I transfer after changing my field?

It may be possible, but a field change can significantly reduce transferable credits and may require additional coursework.

Is university transfer better than starting a new degree?

It depends on the number of credits accepted, remaining study duration, costs, career advantages and the reason for transferring.

What is the most important thing to check before transferring?

Confirm the receiving university's written credit-transfer assessment, semester placement, remaining credit hours and total cost before leaving the current university.