I concur with the views of Nauman and TSA. Keeping in view the materiality of amount and suspicious source of funds I analyze such transaction from money laundering/terrorist financing/ or fraud point of view.

Sometimes funds are erroneously credited in your account which are reversed afterwards. However, it is better to be vigilant if amount so credited is material. If the origin of the funds is suspicious, you are advised to submit a written request in your bank to identify the source of funds so as to avoid any possible inconvenience. Do obtain receiving of that written request from the concerned bank branch for record purpose. Better not consult with FIA, I know our authorities are not that good to be consulted or taken into confidence in such matters. Sometimes, they aggravate the situation just to extract own benefit. Ye sar ka dard na palna. Just bring this issue in the notice of concerned bank and retain the proof of your complaint/request if in any adverse scenario your are summoned, you can prove your innocence by presenting copy of that complaint/request.


You need not utilize it from both the legal as well as religious point of views.

Even if you spend that money in charity, and in future it is identified by the bank that the proceeds did not pertain to you and were mistakenly credited in your account, you will be legally bound to repay the same to the bank and you won’t be able to get it refunded from the charity beneficiaries by that time.

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"Tumhary nafs ki qeemat Janat hay isy Janat say kam qeemat pey na bechna."
"Jiyo to istarh ky log tum sy milny ko tarsy; maro to istrah k log tumharee mot par royain"