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2024-12-31-accounts

CHARITY REGISTRATION NUMBER: 1202466

Noorul Islam Blackburn Unaudited Financial Statements 31 December 2024

KAROLIA LIMITED

Chartered accountants Suite 28 Blackburn Enterprise Centre Furthergate Blackburn Lancashire BB1 3HQ

Noorul Islam Blackburn

Financial Statements

Year ended 31 December 2024

Page
Trustees' annual report 1
Independent examiner's report to the trustees 6
Statement of financial activities 7
Statement of financial position 8
Notes to the financial statements 9

Noorul Islam Blackburn

Trustees' Annual Report

Year ended 31 December 2024

The trustees present their report and the unaudited financial statements of the charity for the year ended 31 December 2024.

Reference and administrative details

Registered charity name Noorul Islam Blackburn Charity registration number 1202466 Principal office 108 Audley Range Blackburn Lancashire BB1 1TF The trustees Mr M S Karolia Mr G M Jhina Mr M H Chothia Independent examiner Ahmed Adam Karolia Suite 28 Blackburn Enterprise Centre Furthergate Blackburn Lancashire BB1 3HQ

1

Noorul Islam Blackburn

Trustees' Annual Report (continued)

Year ended 31 December 2024

Structure, governance and management

Legal Structure : The charity is constituted as a trust under a Trust Deed and operates for the benefit of the community in Blackburn, with particular focus on the Muslim community.

Charitable Objects : The charity's objects are to: Relieve poverty and sickness within the community

Advance education and religion Provide facilities for social, religious, and leisure activities to improve quality of life

Promote community benefit in Blackburn, particularly for the Muslim community

Governance Structure : The Board of Trustees maintains oversight of all governance matters while delegating operational delivery to dedicated volunteer coordinators across key service areas including: Masjid operations

Madrassa education Community welfare services General community programmes

Management Approach : Operational management is enhanced through specialist sub-committees covering burial services, premises maintenance, IT systems, events, youth activities and community outreach. This structure strengthens accountability and encourages broader community participation in charitable activities.

Objectives and activities

Public Benefit : In accordance with our charitable objective, the organisation delivers public benefit through:

Religious Services

Daily prayer facilities and religious ceremonies Funeral, marriage, and other Islamic lifecycle services Regular religious education and spiritual development programmes

Educational Activities

Islamic education through madrassa provision Adult education classes for community members Educational outreach programmes and interfaith dialogue Support services for new Muslims (reverts)

Community Services

Community gathering facilities and social programmes Collaboration with local schools, welfare agencies, and voluntary organisations

Relief and humanitarian aid coordination Youth development activities

2

Noorul Islam Blackburn

Trustees' Annual Report (continued)

Year ended 31 December 2024

Achievements and performance

Religious and Educational Services

Masjid Operations

Weekly Qur'an commentary sessions delivered in both Urdu (Tuesdays) and English (Fridays) Regular hosting of 3-day religious gatherings (jamaats)

Daily educational sessions and structured adult classes for men and women

Islamic Education and Outreach

Madrassa Noorul Islam continued provision of Islamic education to children with ongoing curriculum improvements

New Muslim Support

Weekly dedicated welcome sessions for new Muslims (reverts)

Implementation of formal certification process in guidance from IDA Leicester

Distribution of educational literature packages to new community members

Community Engagement

Educational Outreach

945 children and accompanying teachers hosted through school visit programme

Interactive educational sessions delivered in Hub/Library facilities Guided tours of masjid facilities provided

Programme received positive feedback and has become established local educational resource

Community Services

16 funeral services facilitated (8 for registered members) Dedicated volunteer team providing compassionate and timely funeral support services

26 marriage ceremonies (nikah) officiated with GDPR-compliant administrative processes

Relief and Humanitarian Work

£91,125 raised for local and international charitable causes Coordination of community relief efforts for various humanitarian needs

Educational and Cultural Programming

Comprehensive programme of lectures, workshops, and community events including:

Prayer methodology workshops Ladies' funeral service training Marriage guidance events Ramadan educational programmes Historical and contemporary Islamic education lectures Qur'an recitation and Islamic poetry evenings Third Annual Principal Forum Conference successfully delivered

Library Services

Noorul Ilm Library facilitated 1,037 book loans Active membership of 317 community members (127 male, 190 female) Multiple educational courses and classes delivered through library facilities

3

Noorul Islam Blackburn

Trustees' Annual Report (continued)

Year ended 31 December 2024

Youth Development

MNI Youth Club (MNIYC) organised Mini Football Tournament involving local madrassahs

Planning underway for comprehensive MNIYC relaunch in 2025

Digital Engagement and Infrastructure

Significant growth in digital community engagement: Instagram: 1,600+ followers YouTube: 1,800+ subscribers Facebook: 2,700+ followers

Technology infrastructure improvements including donation kiosks, WiFi network upgrades, digital information displays, and enhanced security systems

Premises and Facilities

Major maintenance and improvement projects completed including drainage systems, heating systems, toilet facilities, building cladding, audio equipment, roof repairs, security gates, interior decoration, lighting, and ventilation systems

Community defibrillator installed for public safety

Financial review

The charity maintains a healthy financial position with appropriate reserves to meet both operational requirements and emergency needs. Detailed financial statements are provided separately as required.

Risk management

The Board of Trustees conducts regular risk assessments. Key identified risks include: Maintaining stable income streams Ensuring participant safeguarding Compliance with health and safety regulations

Risk Mitigation Measures

Comprehensive volunteer training programmes Robust financial control systems Implementation of safeguarding policies and procedures Strong governance oversight and accountability structures

Reserves Policy

The trustees maintain unrestricted reserves equivalent to approximately 12 months of unrestricted expenditure to ensure financial stability and operational continuity.

4

Noorul Islam Blackburn

Trustees' Annual Report (continued)

Year ended 31 December 2024

Plans for future periods

2025 Strategic Objectives

Comprehensive relaunch of MNI Youth Club with structured developmental programmes

Expansion of school visit programme and new Muslim support services

Further investment in digital infrastructure and volunteer capacity development

Enhancement of madrassa and school educational programmes Continued facilities maintenance and improvement projects

The trustees' annual report was approved on 27 October 2025 and signed on behalf of the board of trustees by:

Mr M S Karolia Trustee

5

Noorul Islam Blackburn

Independent Examiner's Report to the Trustees of Noorul Islam Blackburn

Year ended 31 December 2024

I report to the trustees on my examination of the financial statements of Noorul Islam Blackburn ('the charity') for the year ended 31 December 2024.

Responsibilities and basis of report

As the trustees of the charity you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 (‘the Act’).

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

Since the charity’s gross income exceeded £250,000 your examiner must be a member of a body listed in section 145 of the 2011 Act. I confirm that I am qualified to undertake the examination because I am a member of the Association of Chartered Certified Accountants, which is one of the listed bodies.

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

  1. accounting records were not kept in respect of the charity as required by section 130 of the Act; or

  2. the financial statements do not accord with those records; or

  3. the financial statements do not comply with the applicable requirements concerning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the accounts give a ‘true and fair' view which is not a matter considered as part of an independent examination.

I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.

Ahmed Adam Karolia Independent Examiner Suite 28 Blackburn Enterprise Centre Furthergate Blackburn Lancashire BB1 3HQ

27 October 2025

6

Noorul Islam Blackburn

Statement of Financial Activities

Year ended 31 December 2024

2024 2023
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 4 333,871 91,125 424,995 44,901
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Total income 333,871 91,125 424,995 44,901
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
Expenditure
Expenditure on charitable activities 5,6 257,668 105,834 363,501 76,224
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Total expenditure 257,668 105,834 363,501 76,224
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Net income/(expenditure) and net
movement in funds 76,203 (14,709) 61,494 (31,323)
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
Reconciliation of funds
Total funds brought forward 2,136,440 2,136,440
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
Total funds carried forward 2,212,643 (14,709) 2,197,934 (31,322)
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 9 to 15 form part of these financial statements.

7

Noorul Islam Blackburn

Statement of Financial Position

31 December 2024

2024 2023
Note £ £
Fixed assets
Tangible fixed assets 12 1,791,431 1,792,351
Current assets
Cash at bank and in hand 412,182 344,622
Creditors: amounts falling due within one year 13 5,679 534
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
Net current assets 406,503 344,088
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
Total assets less current liabilities 2,197,934 2,136,439
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
Net assets 2,197,934 2,136,439
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
Funds of the charity
Restricted funds 2,837
Unrestricted funds 2,195,097 2,136,440
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
Total charity funds 14 2,197,934
৶৶৶৶৶৶৶৶৶৶৶৶
2,136,440
৶৶৶৶৶৶৶৶৶৶৶৶

These financial statements were approved by the board of trustees and authorised for issue on 27 October 2025, and are signed on behalf of the board by:

Mr M S Karolia Trustee

The notes on pages 9 to 15 form part of these financial statements.

8

Noorul Islam Blackburn

Notes to the Financial Statements

Year ended 31 December 2024

1. General information

The charity is a public benefit entity and a registered charity in England and Wales and is unincorporated. The address of the principal office is 108 Audley Range, Blackburn, Lancashire, BB1 1TF.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis, as modified by the revaluation of certain financial assets and liabilities and investment properties measured at fair value through income or expenditure.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue.

Disclosure exemptions

The entity satisfies the criteria of being a qualifying entity as defined in FRS 102. As such, advantage has been taken of the following disclosure exemptions available under paragraph 1.12 of FRS 102:

No cash flow statement has been presented for the company.

Disclosures in respect of financial instruments have not been presented.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

9

Noorul Islam Blackburn

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Fund accounting

Unrestricted funds are available for use at the discretion of the trustees to further any of the charity's purposes.

Designated funds are unrestricted funds earmarked by the trustees for particular future project or commitment.

Restricted funds are subjected to restrictions on their expenditure declared by the donor or through the terms of an appeal, and fall into one of two sub-classes: restricted income funds or endowment funds.

Incoming resources

All incoming resources are included in the statement of financial activities when entitlement has passed to the charity; it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

10

Noorul Islam Blackburn

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Resources expended

Expenditure is recognised on an accruals basis as a liability is incurred. Expenditure includes any VAT which cannot be fully recovered, and is classified under headings of the statement of financial activities to which it relates:

All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs attributable to a single activity are allocated directly to that activity. Shared costs are apportioned between the activities they contribute to on a reasonable, justifiable and consistent basis.

Tangible assets

Tangible assets are initially recorded at cost, and subsequently stated at cost less any accumulated depreciation and impairment losses. Any tangible assets carried at revalued amounts are recorded at the fair value at the date of revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses.

An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other recognised gains and losses, unless it reverses a charge for impairment that has previously been recognised as expenditure within the statement of financial activities. A decrease in the carrying amount of an asset as a result of revaluation, is recognised in other recognised gains and losses, except to which it offsets any previous revaluation gain, in which case the loss is shown within other recognised gains and losses on the statement of financial activities.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Fixtures and fittings - 20% straight line

Impairment of fixed assets

A review for indicators of impairment is carried out at each reporting date, with the recoverable amount being estimated where such indicators exist. Where the carrying value exceeds the recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for possible reversal at each reporting date.

11

Noorul Islam Blackburn

Notes to the Financial Statements (continued)

Year ended 31 December 2024

3. Accounting policies (continued)

Impairment of fixed assets (continued)

For the purposes of impairment testing, when it is not possible to estimate the recoverable amount of an individual asset, an estimate is made of the recoverable amount of the cashgenerating unit to which the asset belongs. The cash-generating unit is the smallest identifiable group of assets that includes the asset and generates cash inflows that largely independent of the cash inflows from other assets or groups of assets.

For impairment testing of goodwill, the goodwill acquired in a business combination is, from the acquisition date, allocated to each of the cash-generating units that are expected to benefit from the synergies of the combination, irrespective of whether other assets or liabilities of the charity are assigned to those units.

4. Donations and legacies

Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Donations
Collection boxes, appeals and donations 322,527 91,125 413,651
Rent received 9,361 9,361
Other income 1,983 1,983
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ
333,871 91,125 424,995
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Donations
Collection boxes, appeals and donations 42,926 911 43,837
Rent received 921 921
Other income 143 143
ৄৄৄৄৄৄৄৄ ৄৄৄৄ ৄৄৄৄৄৄৄৄ
43,990 911 44,901
৶৶৶৶৶৶৶৶ ৶৶৶৶ ৶৶৶৶৶৶৶৶
Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Support costs 257,668 105,834 363,501
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Support costs 43,848 32,375 76,224
৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶

5. Expenditure on charitable activities by fund type

12

Noorul Islam Blackburn

Notes to the Financial Statements (continued)

Year ended 31 December 2024

6. Expenditure on charitable activities by activity type

Total funds Total fund
Support costs 2024 2023
£ £ £
Charitable activity 361,485 361,485 75,809
Governance costs 2,016 2,016 415
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
363,501 363,501 76,224
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
7. Analysis of support costs
Charitable
activity Total 2024 Total 2023
£ £ £
Wages and salaries 121,503 121,503 29,259
Books, timetables, receiver costs etc 1,150
Repairs, maintenance and cleaning 50,296 50,296 11,901
Events and trips 14,735 14,735
Light, heat, water and insurance 54,132 54,132
Donations distributed 105,833 105,833 32,375
Sundry expenses 1,497 1,497 3
Telephone 1,347 1,347 154
Printing, postage, stationery and computer costs 6,182 6,182 817
Subscriptions 150 150 150
ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ
355,675 355,675 75,809
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
8. Net income/(expenditure)
Net income/(expenditure) is stated after charging/(crediting):
2024 2023
£ £
Depreciation of tangible fixed assets 5,810
৶৶৶৶৶৶৶ ৶৶৶৶
9. Independent examination fees
2024 2023
£ £
Fees payable to the independent examiner for:
Independent examination of the financial statements 540 300
৶৶৶৶ ৶৶৶৶
10. Staff costs
The total staff costs and employee benefits for the reporting period are analysed as follows:
2024 2023
£ £
Wages and salaries 121,503 29,259
৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶
The average head count of employees during the year was 13 (2023: 14).
No employee received employee benefits of more than £60,000 during the year (2023: Nil).

13

Noorul Islam Blackburn

Notes to the Financial Statements (continued)

Year ended 31 December 2024

11. Trustee remuneration and expenses

No remuneration or other benefits from employment with the charity or a related entity were received by the trustees.

12. Tangible fixed assets

Freehold Fixtures and
property fittings Total
£ £ £
Cost
At 1 January 2024 1,768,193 24,158 1,792,351
Additions 4,890 4,890
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
At 31 December 2024 1,768,193 29,048 1,797,241
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
Depreciation
At 1 January 2024
Charge for the year 5,810 5,810
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
At 31 December 2024 5,810 5,810
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
Carrying amount
At 31 December 2024 1,768,193 23,238 1,791,431
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
At 31 December 2023 1,768,193 24,158 1,792,351
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
13. Creditors: amounts falling due within one year
2024 2023
£ £
Accruals and deferred income 540 300
Social security and other taxes 4,714
Other creditors 425 234
ৄৄৄৄৄৄৄ ৄৄৄৄ
5,679 534
৶৶৶৶৶৶৶ ৶৶৶৶

14

Noorul Islam Blackburn

Notes to the Financial Statements (continued)

Year ended 31 December 2024

14. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At At
1 January 202 31 December
4 Income Expenditure Transfers 2024
£ £ £ £ £
General funds 2,136,440 333,871 (257,668) (17,546) 2,195,097
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
At At
1 January 202 31 December
3 Income Expenditure Transfers 2023
£ £ £ £ £
General funds 43,990 (43,848) 2,136,298 2,136,440
৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
Restricted funds
At At
1 January 202 31 December
4 Income Expenditure Transfers 2024
£ £ £ £ £
Restricted Fund 91,125 (105,834) 17,546 2,837
৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶
At At
1 January 202 31 December
3 Income Expenditure Transfers 2023
£ £ £ £ £
Restricted Fund 911 (32,375) 31,464
৶৶৶৶ ৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶ ৶৶৶৶
Analysis of net assets between funds
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Tangible fixed assets 1,791,431 1,791,431
Current assets 409,345 2,837 412,182
Creditors less than 1 year (5,679) (5,679)
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
Net assets 2,195,097 2,837 2,197,934
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶
Unrestricted Restricted Total Funds
Funds Funds 2023
£ £ £
Tangible fixed assets 1,792,350 1,792,350
Current assets 344,623 344,623
Creditors less than 1 year (534) (534)
ৄৄৄৄৄৄৄৄৄৄৄৄ ৄৄৄৄ ৄৄৄৄৄৄৄৄৄৄৄৄ
Net assets 2,136,439 2,136,439
৶৶৶৶৶৶৶৶৶৶৶৶ ৶৶৶৶ ৶৶৶৶৶৶৶৶৶৶৶৶

15. Analysis of net assets between funds

15