Redbridge Asian Mandal (RAM)
(Registered charity, number 1120994)
Financial statements
for the year ended 31 December 2023
Page
Contents
Trustees, annual report
Independent examiner's report
Receipts & payments account
Statement of assets & liabilities
Notes to the accounts
8&9
These financial statements have been printed on both sides of the page

Redbridge Asian Mandal (RAM)
Trustees, annual report
for the year ended 31 December 2023
Full name Redbridge Asian Mandal (RAM)
Registered charity number 1120994
Principal address: c/0 Mr.Odhavji Magudia, 9 Bawdsey Avenue, Newbury Park, Ilford,
Essex IG2 7TW
Trustees
Mr.Odhavji Magudia, President
Mr.Harkrishen Katechia,Secretary
Mr Purshotam Katechia, Treasurer
Committee Members
Mrs Jaya Katechia
Mrs.Bhanuben Patel
Mr.Dinesh Sheth, Editor, resigned 01101/23
Mrs Hansaben Magudia Vice- President
Mr.Manoharbhai Shah
Mr.Krishnakant M Shah
Mrs Jyotsna Kana- resigned 01/01123
Mr Rajnibhai Katechia- elected 01/01123
Mr Umesh Desai - elected 01101/23
Mrs Virbalaben Shah - elected 01101123
Governing document
The charity is operated underthe rules of its constitution amended and adopted on 22nd
May 2007.
Overall management of the charity is the responsibility of the trustees who are elected
and co-opted u nder the terms of the constitution. Day to day project activity is managed
and carried out by trustees, committee members and volunteers.
Bankers
Nat West Bank plc, Seven Kings Branch, 643 High Road, Seven Kings, Ilford, Essex,
IG3 8EH
Independent examiner
Joseph Yongo
6 Halkett House, Waterloo Gardens, London, E2 9HU.
Aims and organisation
The principal objects of the charity are:
1. To promote the benefit of the inhabitants of Redbridge and its surrounding
boroughs (the area of benefit), particularly the elderly members of the Asian
community, in common effort to advance education, relieve povety, sickness
and isolation.
2. To provide facilities for recreation and leisu re time activities in the interest of
social welfare with the objects of improving the conditions of life of the said
inhabitants.

Redbridge Asian Mandal (RAM)
Trustees, annual report (continued)
forthe year ended 31 December 2023
Activities
In planning ou r activities for the year, we kept in mind the Charity Commission's
guidance on public benefit at ou r trustee meetings. The public benefit is that those who
live on theirown do not, fear of isolation anymore as they meet others to socialise, learn
new skills in cooking, health matters, healthy diet, exchange ideas, receive advice on
health, finances and take part in physical exercises as well as other activities.
The principal activities of the charity include:
1. Meeting of members on every Tuesday from 12:00p.m. to 4.OOp.m. where ladies
take part in Satsang, prayers, singsongs etc. Some men also take part in
Singsongs, whilst others play cards or get involved in debates,
2. We also have speakers from various fields such as health, social affairs, housing,
finance etc,
3. The meeting ends with lunch.
4. Outings and activities are organised including day trips, outings to cinemas,
temples, the seaside, trips abroad and other social events.
5. Classes are provided in keep -fit, cookery, yoga, flower arrangements etc.
Summary of the main achievements during the period
Achievements during the year include the followings:
1. Our membership stayed over 600 with a hefty waiting list.
2. Parties were organised to celebrate Christmas, Diwali and other events.
3. Trips to Sea sides and Temples were undertaken to Watford, Brighton,
Crawley and Clacton and
4. In addition to our normal activities of song singing, playing cards, prayers and
debates.
During some of our normal activities such as trips and outings, we request contributions
from our members, but for those who are unable to contribute and want to undertake
those trips and outings are assisted to undertake those trips and outings.
Benefits to members
1. Many members live on their own get an opportunity to meet their peers and
exchange ideas and talk about matters that are common and affecting them
from time to time,
2. People who are stuck indoors, lonely and isolated have a place to go to during
the daytime,
3. Members can get a chance to go on day trips and holidays as they would not
venture out on their own,
4. Ladies learn new skills in cooking, considering, the health benefits,
5. Members receive advice on health, finance and other related social matters
from visiting councillors and other professionals,
6. Members get chance trying out new activities,

Redbridge Asian Mandal (RAM)
Trustees, annual report (continued)
for the year ended 31 December 2023
7. Encourage members who do not usually take part in physical exercise to
become more active in doing so,
8. Encourage other members to change to healthy diet; and
9. To improve members, health overall and reduce the burden of costto NHS.
The charity's policy on reserves
The charity has a reserves policy of setting aside the sum of £174,494 in deposits and
bank accounts which is sufficient to cover the cost of activities at the current levels for
over four years in the event no otherfunding was available.
How the charity works with other organisations and networks
RAM networks with other organisations by sharing information, which is of common
interest, whilst at the same time maintaining confidentiality of such shared information
with others.
Major risks and how these are managed
The major risk to RAM is to ensure maintaining the maximum funding in future. The
main sources of funding currently include the London Borough of Redbridge, members,
subscriptions and donations.
We sincerely thank our funders, members and volunteers for their invaluable support
and financial contributions during the yearwhich enabled us to fulfil our charitable
objects.
The trustees declare that they have approved the trustees, report above.
Signed on behalf of the charity's trustees:
Signed
Mr Odhavji Magudia, Pres.
Date
nt

Independent examiner's report to the trustees of
Redbridge Asian Mandal (RAM)
for the year ended 31 December 2023
I report on the accounts of the charity, which are set out on pages six to nine.
Respective responsibilities of trustees and examiner
The charity's trustees are responsible for the preparation of the accounts. The
charity's trustees consider that an audit is not required for this year u nder section
144(2) of the Charities Act 2011 (the 2011 Act) and that an independent
examination is needed.
It is my responsibility to:
examine the accounts under section 145 of the 2011 Act,
follow the procedures laid down in the general Directions given by the Charity
Commission under section 145(5)(b) of the 2011 Act; and
state whether particular matters have come to my attention.
Basis of independent examiner's report
My examination was carried out in accordance with the general Directions given by
the Charity Commission. An examination includes a review of the accounting
records kept by the charity and a comparison of the accou nts presented with those
records. It also includes consideration of any unusual items or disclosures in the
accounts, seeking explanations from you as trustees concerning any such matters.
The procedures undertaken do not provide all the evidence that would be required
in an audit and consequently no opinion is given as to whetherthe accounts
present a 'true and fair view, and the report is limited to those matters set out in the
statement below.
Independent examiner's statement
In connection with my examination, no matter has come to my attention:
1. which gives me reasonable cause to believe that in any material respect the
requ irements:
to keep accounting records in accordance with section 130 of the 2011 Act;
and
to prepare accounts which accord with the accounting records and comply
with the accounting requirements of the 2011 Act,
have not been met; or
2. to which, in my opinion, attention should be drawn in order to enable a proper
understanding of the a
e reached.
Date
Joseph Yong(
,FA

Redbridge Asian Mandal (RAM)
Receipts & payments account
for the year ended 31 December 2023
2022
2023
Total
Unrestricted Restricted
Total
Funds
funds
funds
funds
Note
Receipts
11,936 Grants & donations
5,140 Membership
1,604 Activities & trips
Diwali contributions
452 Sundry income
1,982 Bank interest
21,114 Total receipts
17,285
5,460
4,791
3,585
1,071
622
32,814
3,904 21,189
5,460
4,791
3,585
1,071
622
3,904 36,718
Payments
9,419 Activities & trips
481 AGM & special events
400 Independent examination
245 Insurance
180 Printing & stationery
4,536 Rent & room hire
231 Sundry costs
Diwali celebration
15,492 Total payments
19,763
402
450
267
70
863
508
4,031
26,354
19,763
402
450
267
70
11,052
508
4,031
10,189 36,543
10,189
5,622 Net receiptsl(payments)
168,697 Cash funds at start of this period
174,319 Cash funds at end of this period
6,460
168,034
174,494
(6,285)
175
6,285 174,319
174,494

Redbridge Asian Mandal (RAM)
Statement of assets and liabilities
at 31 December 2023
2022
2023
Cash assets
Bank accounts
Cash in hand
Note
174,172
147
174,319
174,384
110
174,494
Liabilities
Creditors
450
450
500
500
The fixed term deposits of £85,458 and £40,767 with Pu njab National Bank International Ltd
and the expected gross interest of £6,098 is only, payable at the end of its maturity periods
which are 23rd January 2024 and 3rd May 2025 respectively. Accrued interest for the period to
31st December 2023 is £3,792.
These financial statements are accepted on behalf of the charity by:
Signed
Mr Odhavji Magudi
Date
resi

Redbridge Asian Mandal (RAM)
Notes to the accounts
for the year ended 31 December 2023
1. Receipts & payments accounts
Receipts and payments accounts are statements that summarise the movement of cash
into and out of the charity during the financial year. In this context'cash" includes cash
equivalents, for example, bank accounts where cash can be readily withdrawn to pay for
debts as they become due.
2. Grants & donations
Unrestricted
Restricted
Total
L B Redbridge
Sundry donations
3,904
3,904
17,285
21,189
17,285
17,285
3,904
3. Funds analysis
balance
Receipts
(Payments) transfers
balance
Restricted funds
L Borough of Redbridge
Total
6,285
6,285
3,904
3,904
(10,189)
10,189
Unrestricted funds
168,034
32,814
26,354
174,494

Redbridge Asian Mandal (RAM)
Notes to the accounts (continued)
for the year ended 31 December 2023
4. Creditors
Independent examination
500
500
5. Trustees, remuneration, benefits and expenses
No trustee received or is due to receive any remuneration or benefits from the
charity in respect of the year ended 31 December 2023. (2022: nil). During the year,
there was no reimbu rsement to trustees for travel expenses incurred on behalf of
the charity affairs; (2022: nil).
6. Glossary of terms
Restricted funds: These are funds given to the charity, subject to specific
restrictions set by the donor, but still within the general objects of the charity.
Creditors: These are amounts owed by the charity, but not paid during the
accounting period.