SMT KAMALABEN BHANUSHANKER JOSHI, SAMASTA BARDAI WIDOWS TRUST

Registered charity 284544 · accounts filings on the Charity Commission register

Our charity provides basic monthly income for widows in the Bardai region of Gujrat, India. Although the money distributed is a poor substitute for the loss of a spouse, it provides a small comfort of a regular income in both young and old age.

Objects

RELIEF OF SICKNESS OF WIDOWS RESIDENT IN INDIA OR ELSEWHERE AND EDUCATION OF SUCH PERSONS.

Area of benefit: INDIA

The charity’s charitable objects and area of benefit, quoted from its governing document as held on the Charity Commission register.

Causes: Education/training · The Prevention Or Relief Of Poverty · Get email alerts

Latest income
£89k
Latest spending
£89k
Registered
1982
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that total unrestricted funds increased to £2,887,474, driven by a £1,357,000 revaluation gain on investment properties. The charity holds £575,000 in fixed deposits and generated £88,484 in investment income, while spending £88,624 on charitable activities and support costs. The trustees report that the charity will continue to meet its liabilities as they fall due over the next twelve months.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Largest income source: Investment income (77% of income)
“Rents received 61,500” — page 11
Per its FY2025 accounts as filed with the Charity Commission.
Reserves policy: preserve our investments in a non-risk manner such as term deposit with established banks (held: £2.9m)
“Our funds are with the bank and we spend only the interest from them. These amount to £575,000 in the UK, Total reserves amount to about £2,887,474. We believe we have a good policy and procedure in place. To preserve our investments in a non-risk manner such as term deposit with established banks.” — page 3
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Commercial units let to related companies at below-market rent.
“Both commercial units within the investment properties are let to BL Joshi (UK) Ltd and Joshi & Sons (Holding) Ltd, companies with trustees/directors/shareholders in common at an annual rent of £12,000 per unit.” — page 14
“Donations of £82,297 were made during the year to charities in India with trustees in common.” — page 14
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Donations made to charities in India with common trustees.
“Both commercial units within the investment properties are let to BL Joshi (UK) Ltd and Joshi & Sons (Holding) Ltd, companies with trustees/directors/shareholders in common at an annual rent of £12,000 per unit.” — page 14
“Donations of £82,297 were made during the year to charities in India with trustees in common.” — page 14
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Property expenses settled by related company and reimbursed.
“Both commercial units within the investment properties are let to BL Joshi (UK) Ltd and Joshi & Sons (Holding) Ltd, companies with trustees/directors/shareholders in common at an annual rent of £12,000 per unit.” — page 14
“Donations of £82,297 were made during the year to charities in India with trustees in common.” — page 14
Per its FY2025 accounts as filed with the Charity Commission.

Accounts independently examined (not a full audit). Discloses 4 of 6 completeness components.

In its annual return the charity told the Commission it is also regulated by: Financial Conduct Authority. This is the charity’s own declaration; it is not a rating and has not been verified by the Commission or by this site.

Policies the charity declares

In its annual return the charity told the Commission that it has the policies listed below. This is self-declared: it is not verified by the Commission or by this site, and it is not evidence of how a policy works in practice.

Trustees · trustee networks

Trustee list from the Charity Commission register (current, not historical).

Operates in: India

Income and spending

Financial year endIncomeSpending
31/12/2025£89k£89k
31/12/2024£112k£354k
31/12/2023£91k£85k
31/12/2022£95k£81k
31/12/2021£116k£123k

Common questions

Is SMT KAMALABEN BHANUSHANKER JOSHI, SAMASTA BARDAI WIDOWS TRUST financially healthy?

Per its FY2025 accounts: The accounts state that total unrestricted funds increased to £2,887,474, driven by a £1,357,000 revaluation gain on investment properties. The charity holds £575,000 in fixed deposits and generated £88,484 in investment income, while spending £88,624 on charitable activities and support costs. The trustees report that the charity will continue to meet its liabilities as they fall due over the next twelve months. Its FY2025 accounts were independently examined.