## **Trustees' Annual Report for the period** Period start date Period end date Day Month Year Day Month Year **From** 01 April 2024 **To** 31 March 2025 ## Section A Reference and administration details **Charity name Other names charity is known by Registered charity number (if any)** 1166356 Five Rivers Foundation NA **Charity's principal address** 84 Westbourne Park Road London **Postcode W2 5PL** ## **Names of the charity trustees who manage the charity** |1
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20|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**
**year**|**Name of person (or body) entitled**
**to appoint trustee(if any)**| |---|---|---|---|---| ||Jessie Khera|Chairperson||| ||Seema Khera|Secretary||| ||Ben Schofield|Treasurer||| ||Maya Khera|||| ||Neal Khera|||| ||Sonia Khera|||| ||Antonia Maria
Michou|||| ||Joslin Longstaff
Mendoza|||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| **Names of the trustees for the charity, if any, (for example, any custodian trustees)** ||**Name**|**Dates acted if not for whole year**| |---|---|---| ||NA|| |||| March **2012** **TAR** 1 ## **Names and addresses of advisers (Optional information)** |**Names and addresses of**|**advisers (Optional information)**|**advisers (Optional information)**| |---|---|---| |**Type of adviser**|**Name**
**Address**|| |**NA**||| |||| |||| |||| ## **Name of chief executive or names of senior staff members (Optional information)** NA ## **Section B Structure, governance and management** ## **Description of the charity’s trusts** CIO Constitution Type of governing document (eg. trust deed, constitution) CIO How the charity is constituted - (eg. trust, association, company) Elected by membership Trustee selection methods - (eg. appointed by, elected by) ## **Additional governance issues (Optional information)** You **may choose** to include additional information, where relevant, about: - policies and procedures adopted for the induction and training of trustees; - the charity’s organisational structure and any wider network with which the charity works; - relationship with any related parties; - trustees’ consideration of major risks and the system and procedures to manage them. ## **Section C Objectives and activities** **Summary of the objects of the charity set out in its governing document** The object of the CIO is, for the public benefit, to advance the education of underprivileged children and young people in the Panjab region of India (in particular, but not limited to, the Gurdaspur and Amritsar districts) by providing grants to charities, other organisations and individuals in order to help to fund formal and informal school-level education, post-school skills-based training and learning aids for beneficiaries and to help families of beneficiaries to create and sustain a suitable home environment within which the beneficiaries can learn. March **2012** **TAR** 2 In this financial year, two trustees visited the projects in Panjab. They reported that the nursery is running very well, and the staff and children have the financial support they need to run a safe and educational environment for the children. The trustees identified another project in need of support. A woman named Kiran Kaur runs GuruKripa Boutique in Dhandoi Ada, and she teaches local girls how to stitch garments. She supports the poorer girls who are not able to afford the fee to train with her, so we bought her two new sewing machines to continue running this project, and to be able to help more people that need her training support. **Summary of the main activities undertaken for the public benefit in relation to these objects (include within this section the statutory declaration that trustees have had regard to the guidance issued by the Charity Commission on public benefit)** The trustees also met Jashan Kaur from village Muradpur. She had completed her 12+ (A levels) but her parents did not have the money to pay her fee for further studies at the college. She stayed home for a year after finishing school. The foundation decided to finance her further education fees for three years, in computer application BSE. Further details to follow in next year’s report. This year, the foundation financially supported Gursimranjit Singh from Village Mirize Ke with a health related matter. Gursimranjit required a kidney transplant (his mother donated a kidney) and we donated £950 to pay for his surgery fees. ## **Additional details of objectives and activities (Optional information)** You **may choose** to include further statements, where relevant, about: - policy on grantmaking; - policy programme related investment; - contribution made by volunteers. March **2012** **TAR** 3 Section D Achievements and performance **Summary of the main achievements of the charity during the year** We are still very happy with the construction of the nursery building which happened a couple of years ago. This is an incredible achievement for the charity and will make a world of difference for the children who will attend. It was great to have two trustees visit Panjab this year to see how the projects are going and identify new areas of support. Pawan Kaur from village Dhandoi is still in the midst of her three year Bachelors in Commerce degree from University of Amritsar. Pawan has really developed her confidence and is enjoying her studies. The payments for Pawandeep’s education this year was made by AS Khera, and they are likely to be reimnursed to him in the next financial year. March **2012** **TAR** 4 ## **Section E Financial review** Currently we do not hold a reserves policy. **Brief statement of the charity’s policy on reserves Details of any funds materially** We are not in deficit **in deficit** ## **Further financial review details (Optional information)** You **may choose** to include additional information, where relevant about: Five Rivers Foundation’s bank account is held by Triodos Bank. - the charity’s principal sources of funds (including any fundraising); - how expenditure has supported the key objectives of the charity; - investment policy and objectives including any ethical investment policy adopted. ## **Section F Other optional information** Report circulated to Trustees before submission. Approval given from each Trustee by 10[th] January 2026 ## **Section G Declaration** **The trustees declare that they have approved the trustees’ report above.** **Signed on behalf of the charity’s trustees** **Signature(s) Full name(s)** Jessie Kaur Khera **Position (eg Secretary, Chair,** Chairperson **etc) Date** 07/01/2026 March **2012** **TAR** 5 CHARITY COMMISSION - FOR ENGLAND AND WALES 1166356 Receipts and payments accounts F¢y t￿ p¢rlod from CC16a Section A Receipts and payments Unrestricted fund8 th• n•ar•it Rostria¢d fund• Endowment funds toth• n•4m•t£ Total fund• La¥iywr to th• n•4m•l£ to th• n¢4r•81 £ to th• n•aMt£ 10 A1 R•c•l 11 thJnsUgSt LI 12 &¥ordshing Ltd 13 14 15 10 17 18 500 19 Sub total(Gmss incomg forARJ A2 A$8et and Inv•8tm•nt 8al•s 21 23 Sub total 25 Tolal recelpts 27 28 A3Pa ments 29 Z x sewin9 rnathines ) AdAkh k" 120 trar 31 37 Sub total 1,070 TAR Maich 2012 A4 A•sèt and Inv•stm•nl 40 purchas80,1808 tsblo) 41 Sub lolal Totslwymonts 1.070 Add EnDr 47 Net ofr8celptsl{payfflentsJ 48 A5 Transfgrs betwqon funds 49 A6 Cash fund5 last year end C•sh fvnds th1$ yMr•nd *VALiIEI *VALUEI 51 Section B Statement of assets and liabilities at the end of the period Unrastrictsd fundB R•5triclod lund5 End0wm￿t fund8 to n••r••t£ l(* n••r••l£ B1 Cash funds Totsl ¢•$h funds reCDIp￿￿nd Unrostrlcted funds to D•arn•t£ Re8trlctod funth Endovffl*rrt funds 61 D6ta115 t(* n••rn•l£ Fund to *knl¢h *•••t b•long1 loptlon•ll Cllrr•ntV4l￿+ D•talls TAR Maich 2012 Futhd to *hkh 4M•t bglong4 Ctsyr•nt¥*l￿• loptlonall Dotall¥ ¢o•t {optIoD￿l 71 74 75 FuThd to whlch Dotalls Co•t (optlonoll Curr•ntYalu• loptlonall 78 B4 Assets retainod for tho eharmy's own us• 61 B7 FuTrd to whlch ￿n￿Unt du* Vlh•n du* loptltsn&ll D•t4111 BS Llabllltl•• 91 95 al the ivAteBs Slgnaturo Prfnt Nam8 Dat8 of arvov JESSIE KHERA 07m1r2028 TAR Maich 2012