UTAR:

1st - 3.5 - 4.0
2nd upper - 3.0 - 3.499
2nd lower - 2.2 - 2.9999
third - 2.0 - 2.1999

btw, if ur thinking that a lot of ppl are probably in the first class in this uni ur right. and if you're thinking that those ptptn students will get their loans converted for this first class, ur wrong. ptptn considers first class is with cgpa of 3.75 (if i am not mistaken) regardless of university.