"Maloomat" is Urdu/Persian for "information" — and that's exactly what these notices are built on. FBR increasingly cross-checks tax filings against data from NADRA, banks, utility companies, property registrars, and vehicle registration authorities. When that third-party data suggests income or spending FBR doesn't see reflected in your filing, a Maloomat notice goes out.
What Triggers One
- Large bank deposits or withdrawals inconsistent with declared income
- Property purchases where the funding source isn't clearly reflected in your wealth statement
- High utility bill consumption patterns associated with commercial activity, without a matching business registration
- Vehicle registration or import records not matched to any declared income level
- Simply not being registered or not having filed at all, despite data suggesting taxable activity
How to Respond
- Read the notice carefully to identify exactly which transaction or data point FBR is querying
- Gather documentation that explains it — this could be proof of a loan, a gift, savings built up over prior years, or a joint account where the funds aren't solely yours
- Submit your written response through IRIS (or in person if directed) within the deadline stated on the notice — these are typically short, often 7-15 days
- If the explanation involves undeclared income, the honest path is usually to file or revise your return to reflect it correctly, rather than dispute accurate data
What Happens If You Ignore It
Non-response risks the matter escalating to a formal notice under Sections 111 or 114, and ultimately a best-judgment/ex-parte assessment where FBR estimates your tax liability itself — usually far less favorably than if you'd explained the transaction yourself.
Usually Resolvable Without Escalation
Most Maloomat notices aren't accusations of wrongdoing — they're automated flags asking for context FBR's data alone doesn't have. A clear, prompt, well-documented response closes the vast majority of these without further action.