Student Finance Guidebook

Introduction

Navigating University related financial matters can be daunting for students entering higher education. Cognizant of this struggle, we have compiled this Student Finance Guidebook to address the frequently asked questions brought forth by students, and to outline key considerations about fee dues, how to check fee due amounts, how the make fee payments, and queries related to Scholarship and Financial Aid, if offered, by the University.

Outlined below are the polices for tuition fee, Scholarship and Financial Aid. However, if you still have any other queries you can contact through email student.finance@habib.edu.pk .

University’s Tuition Fee Policies

What is Habib University’s per semester fee for the students joining the University from Fall 2026 (Class of 2030)?

Following table presents per semester fee of Habib University for taking 12 to 20 credits as per students’ degree completion plan. Around 85% of Habib University’s students get some form of financial assistance. All those students who get Scholarship and/or avail Financial Aid pay fee according to their fee packages.

Semester Fee	Amount in PKR (Per Semester)
Tuition Fee for DSSE and AHSS	780,000
Laboratory Fee for DSSE	215,000
Studio and Laboratory Fee for AHSS	160,000
Semester Registration Fee for DSSE and AHSS (Applicable from 2nd Semester onwards for the Class of 2030)	32,000

Note:

Fee is subject to tax, where applicable, as per the prevailing Government policy.
Habib University also charges a subsidized recreational facility fee if students opt to use them.
The fee mentioned above is for one semester of the year 2026-27. The fee may increase annually.

Is there any opportunity to avail a discount on my fee?

Prepayment Discounts are available for those students who do not avail any Scholarship and/or Financial Aid. A 5% prepayment discount is for those who choose to pay their annual fees up front

What is the fee payment schedule

What is the fee payment schedule?

All type of fee dues are payable within the due date mentioned on the vouchers issued by the University. The Semester Fee is payable in two installments. Due dates of fee vouchers are expected to be allocated as per the table given below:

Year	Semester	Type of Fee Voucher	Timeline
First Year	Fall (August to December)	1st Installment	Before start of Semester
	Fall (August to December)	2nd Installment	1st week of October
	Spring (January to May)	Semester Registration	1st week of January
		1st Installment	1st week of January
		2nd Installment	1st week of March
From Second Year onward	Fall (August to December)	Semester Registration	1st week of August
		1st Installment	1st week of August
		2nd Installment	1st week of October
	Spring (January to May)	Semester Registration	1st week of January
		1st Installment	1st week of January
		2nd Installment	1st week of March
	Summer Semester (June – July) (Optional for students)	Full Fee as per course(s) selected (Fee announced separately)	Before the Semester Starts

The above timelines are for reference for students so that they can plan and arrange their financials accordingly. The timelines may be changed due to any unforeseen circumstances or due to other University activities. In all cases, students will be informed about the fee vouchers issuance & availability on their PeopleSoft Self-Service Portal via emails from Office of Student Finance (student.finance@habib.edu.pk).

How can I access the fee voucher?

Students are able access their fee vouchers on the portal. The exact payment deadline is mentioned against every fee voucher on the portal; therefore, students are expected to know required deadlines. It is the students’ responsibility to have their fees paid by the deadline. The University does not send printed fee vouchers to students.

Only for the first installment of semester, new students are sent fee voucher on their personal email addresses provided at the time of admission. Later on, students will be required to download their vouchers from the portal.

You can download your fee vouchers by following the directions provided below:

Access PeopleSoft through https://pscs.habib.edu.pk/
Log into the system using your Habib University’s email ID and Password
Next Steps: Follow the directions shared in given screenshots

What methods can I use to pay my fee?

Habib University encourages you to make online payments whenever possible, as it gets processed via minimal time and effort. We accept the following modes of payment as listed below:

Fee Payment Options

Online Fee Payment via Mobile / Internet Banking
On-Campus Bank’s Facility (Habib Metro)
Fee Payment via Cash / Cheque
Online Fee Payment via Debit / Credit Card

For details regarding the above-mentioned payment modes, please click the link below:

Click here to proceed

what are late fee payment charges

Late Fee Policy

In the event that any fee voucher is not paid on or before the stipulated due date, a flat late fee of 3.15% shall be charged in addition to the payable fee amount.

Late Fee Waiver Request

If a student is unable to pay the fee by the due date, due to a genuine reason or emergency situation, then student may submit a late fee waiver request and it must include complete details with all relevant supporting documentation and should be submitted to the Office of Student Finance via email at student.finance@habib.edu.pk at least four (4) days prior to the due date.

The appeal will be reviewed by the relevant authorities, and the student will be informed of the decision via email. The University reserves the right to approve or reject the appeal based on its assessment, and the decision taken shall be considered final and binding.

Financial Hold

After 07 days of due date of fee voucher, a ‘Financial Hold’ will be placed on the PSCS account of those students whose fee has not been paid. The hold will result in the following:

Block all enrollment activities.
Prevent student’s access to grades.
Block the issuance of student’s transcript/degree.

Delayed Submission of Required Documents

Default students include not only those who have overdue fee(s) but also those who do not timely submit their finance related documents.

What is meant by credit overload and credit underload, and how do these definitions impact my fee?

At Habib University, in order to be considered a regular, full-time student, you will be required to enroll in a minimum of 12 credits each semester. Depending on your course requirements, you may choose to, or be required to enroll in more credits. The maximum credit limit per semester is 20.

As such, enrolling in less than 12 credits means that you are ‘under-loading’ course work in a semester, and enrolling in more than 20 credits means that you are ‘overloading’ course work in the given semester.

Fee implications depending upon the number of credits you enroll in are the following:

Fee calculation for students who enroll for 12 to 20 credits in a semester:

Students who enroll in 12 to 20 credits will pay the regular tuition and lab/studio fees per semester, for the current academic year. These students will be eligible for approved scholarship and financial aid if they meet the relevant criteria.

Fee Calculation for Students Enrolled in Fewer Than 12 Credits

Students who enroll in fewer than 12 credit hours in a semester will be charged tuition on a prorated, per-credit basis, in addition to regular lab or studio fees. Lab and studio fees will be calculated based on the number of credit hours taken, as outlined below:

Up to 4 credit hours: one-third (1/3) of lab or studio fees payable
Up to 8 credit hours: two-thirds (2/3) of lab or studio fees payable
Above 8 credit hours: full lab or studio fees payable

Pro-rated financial aid will be determined on a case-by-case basis by the Scholarship and Financial Aid Committee. Scholarships are not available for students enrolled in fewer than 12 credit hours.

Fee calculation for students who enroll for greater than 20 credits in a semester:

Students who enroll in greater than 20 credits will pay additional per credit fee plus regular tuition and lab/studio fees per semester. Additional financial assistance will be subject to recommendation from the relevant dean of the school and the Scholarship and Financial Aid Committee except for when credit overload fee (for the minor only) of those students who take a minor from the school other than the school of their chosen major will be waived.

Fee calculation for final semester students who enroll for fewer than 12 and more than or equal to 8 credits:

Students who enroll for fewer than 12 credits and more than or equal to 8 credits in their eight / final semester will be eligible for Scholarship and Financial Aid according to their existing financial package if they meet the following criteria:

Their eighth-semester enrollment includes all their remaining courses as per the official degree audit.
They enroll in at least eight (8) credit hours.

Note: Students in their ninth and subsequent semester(s) will not be eligible for regular scholarships and financial aid. All regular tuition and fees will apply beyond the eighth regular semester.

What is the fee refund policy?

Students can request a refund according to the timelines below:

Before the commencement of classes

Submit the refund request before classes begin to receive a full (100%) refund of semester tuition, laboratory, and studio fees.

From the 1st to the 7th day after commencement of classes
Submit the refund request within the first seven (7) days of classes to receive a full (100%) refund.
From the 8th to the 15th day after commencement of classes
Submit the refund request between the 8th and 15th day of classes to receive a partial (50%) refund
No Refund After 15th Day of commencement of classes

What is the Summer Semester Fee Policy?

The following fee conditions apply during Summer Semesters at the University:

Fees are charged based on enrolled credit hours.
Discounted fees apply to all enrolled students.
No studio or laboratory fees are charged during the Summer Semester.
Regular scholarships and financial aid do not apply in the Summer Semester.
Limited financial aid is available for students enrolling in Summer courses for the first time.
No financial aid is provided for students repeating courses for any reason.

What is the fee policy that applies in case I withdraw from a semester?

Before classes begin: No fee charged.
1st – 7th day of classes: No fee charged.
8th – 15th day of classes: 50% of tuition, lab, studio, and registration fees charged.
16th day onward: 100% of tuition, lab, studio, and registration fees charged.

What is the fee policy related to completing a Minor at Habib University?

What is Course Audit Fee?

Changing a course status from audit to credit, or from credit to audit, or dropping an audit course must be done during the semester enrollment period. A student wishing to change from credit to audit status must meet the additional requirements of registering for an audit course.

An additional fee may be applicable for auditing a course if a student exceeds the maximum allowable credit load. Students on financial aid should bear in mind that any fee for auditing a course may not be covered in their financial aid package. It is the student’s responsibility to resolve all financial matters related to auditing a course by contacting the agency administering the scholarship or the Office of Student Finance.

Fee Receipt confirmation and Fee Voucher Clarification

Students can confirm their fee payment by checking the student portal or contacting the Office of Student Finance for a fee receipt confirmation.

Clarification regarding the purpose of the charges students can contact the Office of Student Finance via email at student.finance@habib.edu.pk

Scholarship and Financial Aid Policies

To ensure equal opportunities for all prospective students irrespective of their religious, ethnic, racial, gender or socio-economic background, Habib University offers unmatched scholarships to support students, fully or partially, so that they can pursue their four-year degree program at the university. Based on the candidate’s admission score, they may receive one of our renewable scholarships in recognition of their strong academic achievements. Entrance scholarships are awarded up to 100%, depending on there merit score.

Moreover, Habib University’s financial aid program offers generous grants. The Financial Aid Program aims to ensure equal opportunities for all. In addition to applying for scholarships, students may simultaneously apply for financial aid. The amount of financial aid granted is dependent on the need of the students. Habib University offers a personalized financial aid plan to each admitted student as per their specific needs and their overall living circumstances.

How can I retain the scholarship awarded to me?

The scholarship is offered at the time of admission and is only applied for the eight regular semesters at Habib University. The scholarship offered is not applicable on summer semesters. Students classified as transferred students (i.e., those who transfer from a different university into Habib University) are not eligible to apply for scholarship.

If you have been awarded a scholarship, you must ensure adherence to the following conditions:

The scholarship is renewed automatically every semester if the student fulfills the following conditions:

Student remains enrolled as a full-time student as per the University policy.
Student maintains Good Conduct Standing by following Students’ Code of Conduct.
Student maintains the minimum required Cumulative GPA (CGPA) every semester as per the following details:

Type of Scholarship	CGPA student must maintain
Habib YOHSIN Scholarship (100% Scholarship)	3.50
Habib Excellence Scholarship (60% to 80% Scholarship)	3.00
Habib Merit Scholarship (Up to 50% Scholarship)	2.75
HU TOPS Scholarship	3.00
HU EOP Scholarship	3.00

Scholarship awarded may be withdrawn immediately if a conduct case is reported against a student. Students should maintain good conduct standing and follow the University’s Code of Conduct and other policies.
The University will not commit to offering the scholarship for additional semesters in cases where students fail to complete their degree within their eight regular semesters.
Scholarship awarded for the semesters in which students will be on an approved interim withdrawal shall be carried forward till the students’ 8th regular semester
The scholarship offered is not applicable on summer semesters

Recipients of the HU TOPS scholarship should complete their previous education with following percentages such that a with a percentage not less than 80% for Science Group in intermediate and not less than 85% in metric (same for AKUEB) and not less than 75% in intermediate and not less than 80% in metric for Other Group (Same for AKUEB). In case a student does not meet the above-mentioned criteria so the scholarship awarded may be revoked, however student may appeal for financial support
Recipients of the HU EOP scholarship should complete their previous education with a percentage not less than 70% in intermediate and not less than 75% in metric for Science Group and not less than 70% in intermediate and not less than 70% for Science Group (AKUEB), and for other groups not less than 70% in intermediate and not less than 70 % in metric ( same for AKUEB) In the case of students not meeting this requirement, the scholarship awarded will be withdrawn, however, students will have an opportunity to apply for Financial Aid.

In the case of students not meeting this requirement, the scholarship awarded will be withdrawn, however, students will have an opportunity to apply for Financial Aid.

YOHSIN Scholars (Students who get 100% scholarship) should complete A’ Levels with no grades less than A in any of their A Level subjects. In case, a YOHSIN Scholar does not meet this requirement, the 100% Scholarship will be reduced to 80% scholarship provided the student meets the minimum requirement of obtaining an average C grade that is 65% for A level students and 30 points for IBD students also that no grade less than D to be there.
Recipients of Excellence and Merit Scholarship should complete three A’ Levels subjects with an average C grade that is 65% and no grade less than D to be there while for IBD students the requirement to obtain scholarship is at least 30 points.points. In case of students not meeting this requirement, the scholarship awarded will be withdrawn, however, students will have an opportunity to apply for Financial Aid.

How can I retain the Financial Aid awarded to me?

Financial Aid comprises of Grants and Ihsan Trust Loan. If you have been awarded financial aid, you must ensure adherence to the following conditions:

The financial aid is renewed automatically every semester if the student fulfills the following conditions:
1. Student remains enrolled as a full-time student as per the University policy.
2. Student maintains Good Conduct Standing by following Students’ Code of Conduct.
3. Student maintains the minimum required Cumulative GPA (CGPA) every semester i.e., 2.33
Financial aid provided at the time of admission is only for eight regular semesters. University is not committed to continue offering financial aid for additional semesters if extra semesters are required by the students to complete their degree requirements. Decisions for financial aid for additional semesters will be taken on case-to-case basis.

The following are components of Financial Aid:

Grants:

They are awarded at the time of admission and will continue for eight regular semesters of a student’s degree program provided the required conditions are consistently met as mentioned above. The substantial funds of Grants are covered from the Zakat Funds.

Ihsan Trust Loan:

For students being supported via the Ihsan Trust Loan, their financial aid will depend on the demonstrated financial need. The amount of Loan will depend on the need analysis by the HU’s Scholarship and Financial Aid Committee and interview assessment by Ihsan Trust. For this facility, the process and terms & conditions will be as follows:

The amount of Ihsan Trust Loan sanctioned to the selected students will be according to the decision by Financial Aid committee and depends on students’ need and eligibility.
HU staff will coordinate with the students regarding the renewal forms required to start the Ihsan Trust process for the year. HU staff will be providing students with these forms. Existing students are required to submit the renewal form on A4-sized paper, while Fresh cases are required to submit the form on Bond papers.
Three days before the Interview, HU staff will reach out to all the students via email and calls to notify them about their scheduled interviews.
During the study period, the student has to pay a nominal, token repayment amount (depending upon the financial position of the candidates, his/her parents/guardian’s monthly income) to the Ihsan Trust as repayment.
The monthly repayment amount, after completion of studies, is to be adjusted according to the income of the student.
For students who haven’t submitted the forms, a financial hold will be placed on their PeopleSoft accounts and a strict follow-up will be done for such students.
The monthly repayment amount of the post-dated cheques will be mutually agreed between Ihsan Trust and the Applicant.

What happens if I do not meet the criteria for retaining scholarship/financial aid package?

Scholarships

In case students are not able to maintain their required CGPA in any semester, their Scholarship awarded will not be revoked immediately. They will be given a probationary period (one full semester) to improve their performance and acquire the desired CGPA. During the probationary period, no change would be made to the scholarship awarded and students will have ample opportunities and resources available at the University to acquire help for improving their performance. However, the scholarship awarded will be revoked if the student fails to meet the required CGPA after the probationary period.

Financial Aid

If a student is not able to maintain the financial aid criteria in any semester, the student will be provided probationary period for one semester to improve the performance without revoking the financial aid. If the required criteria are not maintained even after the probationary period, then financial aid will be revoked immediately.

What changes can I expect in Scholarship/Financial Aid package after my admission into Habib University?

Depending on a student’s specific case, there may be an impact on their Scholarship/Financial Aid package. Given below are the details of circumstances where this may happen.

Updates in Household Financial Status

If there is a change in the financial situation of a student’s earning family member(s), the student can request an increase or apply for financial aid.
Additional aid is granted based on the student’s demonstrated need, as assessed by the Committee.
Requests can be submitted once a year or after two regular semesters.
Financial aid applications are submitted via the online form from the Office of Student Finance, after an initial discussion/assessment with the student/guardian.

Financial Aid for Students Exceeding Expected Graduation Time

Scholarship and financial aid will be discontinued for students who do not complete their studies within eight regular semesters. However, students may appeal, and the Committee will consider continuation of aid based on the student’s financial need, assessed on a case-by-case basis.

Financial Aid and Scholarship Updates for Program/School Changes

If a student changes their program, plan, or school, scholarship and financial aid will be adjusted according to the criteria established for the new scenario. The Scholarship and Financial Aid Committee may also review and decide on awards on a case-by-case basis as deemed appropriate.

Is it important to update my financial records?

The Financial Aid awarded is reassessed in each academic year based upon performance and demonstrated financial need. Therefore, students are required to submit updated financial aid form with the latest documents every year in order to renew their financial aid.

Financial Aid Inquiry

There is an annual Financial Aid application process conducted by the Office of Student Finance every year in the month of June. In case if student’s parent/guardian faces any financial challenges that impact their liability to pay the fees, they can contact the Office of Student Finance by emailing student.finance@habib.edu.pk or visiting the office during working hours. The staff can help with questions about fee assistance, and other financial aid matters.

New Applicant Queries

New applicants can get answers to their queries by visiting the Habib University website and contacting the Admissions Office via email at admissions@habib.edu.pk

Who can I contact if I have any questions about financial matters?

Who can I contact if I have any questions about financial matters related to my admission into Habib University, and while I am a student at the university?

For any finance related questions or concerns, please contact us via email at student.finance@habib.edu.pk

Apply For Admission