Chhaya Community Development Corporation Chhaya was founded in 2000 incorporated in 2001 to advocate for the housing needs of new york citys south asian origin communities. Chhayas mission is to build the power, housing stability, and economic well-being of south asian and indo-carribean communities in new york city.

501(c)(3) charity; gifts are tax-deductible.
75¢ of each $1 spent went to programs.
Run by 50 volunteers and 31 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · People: Part I, lines 5–6

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(3)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $1.4M a year · 36% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
75%
of spending
Looks good: 75% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$553K
to officers and key staff · 15% of spending
Looks good: pay to officers and key staff is 15% of spending; 15% or less.
Pt VII · Sec A
16 mo
of spending, in cash
Looks good: 16.2 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
14
named funders · $3.4M
Looks good: 14 funders name it on their filings; 3 or more.
Funders’ Sch. I, 990-PF
Liabilities
$4.8M
32% of total assets
Looks good: liabilities are 32% of assets; 50% or less.
Pt X · Ln 26
Independent board members
9
of 9 voting members
Looks good: 9 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$7.3M
+19% vs prior year
Spent
$3.6M
To programs
75%
Net assets
$10.1M
By yearFY2020–FY2025
Revenue
$7.3M
FY2025▲ +19%
Tap a bar for its year
Revenue by fiscal year
FY2020$2.0M
FY2021$2.9M
FY2022$2.5M
FY2023$3.6M
FY2024$6.2M
FY2025$7.3M
Expenses
$3.6M
FY2025▲ +8%
Tap a bar for its year
Expenses by fiscal year
FY2020$1.9M
FY2021$1.9M
FY2022$2.4M
FY2023$2.7M
FY2024$3.3M
FY2025$3.6M
Net assets
$10.1M
FY2025▲ +58%
Tap a bar for its year
Net assets by fiscal year
FY2020$1.4M
FY2021$2.4M
FY2022$2.7M
FY2023$3.6M
FY2024$6.4M
FY2025$10.1M

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Sep 2001.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

75 cents of each dollar spent went to programs.

Program services 75% · $2.7M Management & general 16% · $593K Fundraising 8% · $303K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

13 people listed on the 990; $553K paid to officers and key staff.

Part VII, Section A · reportable compensation
Executive Director
$255,910Pt VII · Sec A
Development and Communications
$122,695Pt VII · Sec A
Director of Administration
$118,738Pt VII · Sec A
Deputy Director of Policy
$55,773Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Director
$0Pt VII · Sec A
$0Pt VII · Sec A

Annetta Seecharran’s $256K as Executive Director is at the 95th percentile of top reported officer pay among 1147 $1–10M crime & legal nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Annetta Seecharran$255,910$249,828$179,653$163,105$154,500$154,434
Sadia Rahman$55,773$125,000$122,596$38,381——
Karen Kaminsky Director of$122,695—————
Theresa Thanjan$118,738$115,500————
Jose Miranda——$99,182$104,500——
Karen Kaminsky—$65,769————
Rekha Malhotra Former Board————$36,045—
Rekha Malhotra Interim Chief———$13,185——

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Empowers South Asian and Indo-Caribbean New Yorkers with housing, economic stability, and community power.

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Provided by the organization

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3 programs · $2.1M · in their own filed words · FY2025
01

Housing justice aims at protecting, preserving, and promoting affordable housing in new york citys low-to-moderate-income neighborhoods. Chhaya provides direct service counseling to first-time home buyers and tenants requiring support.

$1.1Mprogram expense
02

Economic justiceaims to provide its clients with the tools and information they need to achieve long-term economic independence through career development, financial capability, and asset building. This is achieved through financial counseling, education, free tax prep support, lending circle, and other related programs.

$496Kprogram expense
03

Civic engagement works to educate community members about civic engagement, including helping community members to vote, encouraging voters to get out the vote, holding candidate forums to give the community the ability to ask questions to candidates for office, and advocating for regulations that make it easier for immigrants to vote.

$429Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · received and paid
Grants received · FY2024
See all 14 funders →
Grants paid · 6 grants · $179K · 2020–2022
Unitemized GrantFY2022$107,148
Unitemized GrantFY2022$35,412
Unitemized GrantFY2021$18,000
Unitemized GrantFY2021$4,392
Unitemized GrantFY2020$7,419

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$7.3M
Ln 12
Gifts and grantsLn 1h$6.3M
Fees for servicesLn 2g$973K
Investment incomeLn 3$64K
Money outPt IX
$3.6M
Ln 25
Programscol B$2.7M
Managementcol C$593K
Fundraisingcol D$303K
Owns and owesPt X
$10.1M
net assets · Ln 32
Cash and savingsLn 1–2$4.8M
Total assetsLn 16$14.9M
LiabilitiesLn 26$4.8M
PeoplePt VI, VII
13
listed · VII A
PaidVII A4
Voting boardVI 1a9
IndependentVI 1b9
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$6.3M
Government grantsLn 1e$4.9M
Fees for servicesLn 2g$973K
Investment incomeLn 3$64K
Other incomeLn 4–11$2K
Gains on assetsLn 7$10K
Total revenueLn 12$7.3M
Assets in detailPt X, end of year
CashLn 1$2.8M
SavingsLn 2$2.0M
Cash and savings togetherLn 1–2$4.8M
InvestmentsLn 11–13$105K
Land, buildings, equipmentLn 10c$3.1M
Other assetsLn 15$6.4M
Total assetsLn 16$14.9M
LiabilitiesLn 26$4.8M
Net assetsLn 32$10.1M
OperationsPt I, VI
EmployeesI 531
VolunteersI 650
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$844K$4.8M
InvestmentsLn 11–13$2.1M$105K
Land, buildings, equipmentLn 10c$11K$3.1M
Total assetsLn 16$6.9M$14.9M
LiabilitiesLn 26$491K$4.8M
Net assetsLn 32$6.4M$10.1M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic organizationsLn 1$0
Grants to domestic individualsLn 2$0
Grants and assistance to foreign recipientsLn 3$0
Benefits paid to or for membersLn 4$0
Pay of current officers, directors and key staffLn 5$546K$305K$137K$104K
Pay of disqualified personsLn 6$0
Other salaries and wagesLn 7$1.5M$1.3M$36K$68K
Pension plan contributionsLn 8$13K$11K$1K$1K
Other employee benefitsLn 9$297K$246K$26K$26K
Payroll taxesLn 10$182K$151K$16K$16K
Management feesLn 11a$0
Legal feesLn 11b$0
Accounting feesLn 11c$183K$183K
Lobbying feesLn 11d$0
Investment management feesLn 11f$3K$3K
Other fees for servicesLn 11g$503K$351K$89K$63K
Advertising and promotionLn 12$0
Office expensesLn 13$75K$55K$16K$4K
Information technologyLn 14$33K$27K$3K$3K
RoyaltiesLn 15$0
OccupancyLn 16$174K$145K$15K$15K
TravelLn 17$13K$8K$5K$31
Travel and entertainment for public officialsLn 18$0
Conferences, conventions and meetingsLn 19$17K$12K$5K$50
InterestLn 20$0
Payments to affiliatesLn 21$0
Depreciation, depletion and amortizationLn 22$7K$7K
InsuranceLn 23$35K$29K$3K$3K
Other expenses (24a–d)Ln 24$49K$11K$38K
All other expensesLn 24e$10K$10K
Total functional expensesLn 25$3.6M$2.7M$593K$303K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $7.3M$3.6M$3.7M$10.1M 990 PDF
FY2024 $6.2M$3.3M$2.8M$6.4M 990 PDF
FY2023 $3.6M$2.7M$850K$3.6M 990 PDF
FY2022 $2.5M$2.4M$122K$2.7M 990 PDF
FY2021 $2.9M$1.9M$1.0M$2.4M 990 PDF
FY2020 $2.0M$1.9M$114K$1.4M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support J · Pay O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $7,305,406 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $5,364,201$6,265,825
I-9 Program service revenuePrior year $722,189$973,208
I-10 Investment incomePrior year $65,292$64,327
I-11 Other revenuePrior year $2,467$2,046
I-12 Total revenuePrior year $6,154,149$7,305,406
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefitsPrior year $2,283,787$2,491,519
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $1,029,993$1,103,176
I-18 Total expensesPrior year $3,313,780$3,594,695
I-19 Revenue less expensesPrior year $2,840,369$3,710,711
Part VI · Governance 9 of 9 board members independent, no flags
VI-1a Voting members of the governing body9
VI-1b Independent voting members9
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $7,305,406 across 8 lines filed
VIII-1e Government grants$4,875,454
VIII-1f All other contributions, gifts and grants$1,390,371
VIII-1h Total contributions, gifts and grants$6,265,825
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $973,208$973,208
VIII-3 Investment incomeExcluded from tax $54,294$54,294
VIII-7 Net gain or loss on sales of assetsExcluded from tax $10,033$10,033
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Related to mission $2,046$2,046
VIII-12 Total revenueRelated to mission $975,254 · Excluded from tax $64,327$7,305,406
Part IX · Statement of functional expenses $3,594,695 across 30 lines filed
IX-1 Grants to domestic organizations$0
IX-2 Grants to domestic individuals$0
IX-3 Grants and assistance to foreign recipients$0
IX-4 Benefits paid to or for members$0
IX-5 Pay of current officers, directors and key staffPrograms $304,734 · Management $136,955 · Fundraising $104,479$546,168
IX-6 Pay of disqualified persons$0
IX-7 Other salaries and wagesPrograms $1,348,438 · Management $35,894 · Fundraising $68,456$1,452,788
IX-8 Pension plan contributionsPrograms $10,868 · Management $1,136 · Fundraising $1,137$13,141
IX-9 Other employee benefitsPrograms $245,814 · Management $25,702 · Fundraising $25,714$297,230
IX-10 Payroll taxesPrograms $150,676 · Management $15,754 · Fundraising $15,762$182,192
IX-11a Management fees$0
IX-11b Legal fees$0
IX-11c Accounting feesManagement $183,026$183,026
IX-11d Lobbying fees$0
IX-11f Investment management feesManagement $3,350$3,350
IX-11g Other fees for servicesPrograms $351,344 · Management $88,926 · Fundraising $62,619$502,889
IX-12 Advertising and promotion$0
IX-13 Office expensesPrograms $55,174 · Management $16,302 · Fundraising $3,800$75,276
IX-14 Information technologyPrograms $27,083 · Management $2,524 · Fundraising $3,140$32,747
IX-15 Royalties$0
IX-16 OccupancyPrograms $144,710 · Management $14,891 · Fundraising $14,899$174,500
IX-17 TravelPrograms $8,239 · Management $5,154 · Fundraising $31$13,424
IX-18 Travel and entertainment for public officials$0
IX-19 Conferences, conventions and meetingsPrograms $11,774 · Management $5,308 · Fundraising $50$17,132
IX-20 Interest$0
IX-21 Payments to affiliates$0
IX-22 Depreciation, depletion and amortizationManagement $7,172$7,172
IX-23 InsurancePrograms $28,539 · Management $2,984 · Fundraising $2,986$34,509
IX-24 Other expenses (24a–d)Programs $11,236 · Management $37,750$48,986
IX-24e All other expensesManagement $10,165$10,165
IX-25 Total functional expensesPrograms $2,698,629 · Management $592,993 · Fundraising $303,073$3,594,695
Part X · Balance sheet $14,940,630 assets, 17 lines filed
X-1 Cash, non-interest-bearingStart of year $829,024$2,828,523
X-2 Savings and temporary cash investmentsStart of year $14,666$2,019,279
X-3 Pledges and grants receivableStart of year $699,025$497,655
X-4 Accounts receivableStart of year $150$500
X-9 Prepaid expenses and deferred chargesStart of year $201,791$29,203
X-10c Land, buildings and equipment, netStart of year $10,908$3,081,484
X-11 Publicly traded securitiesStart of year $2,054,663$104,587
X-15 Other assetsStart of year $3,117,070$6,379,399
X-16 Total assetsStart of year $6,927,297$14,940,630
X-17 Accounts payable and accrued expensesStart of year $294,410$205,576
X-24 Unsecured notes and loans payableStart of year $80,000$4,064,276
X-25 Other liabilitiesStart of year $116,702$530,255
X-26 Total liabilitiesStart of year $491,112$4,800,107
X-27 Net assets without donor restrictionsStart of year $5,140,342$8,721,819
X-28 Net assets with donor restrictionsStart of year $1,295,843$1,418,704
X-32 Total net assets or fund balancesStart of year $6,436,185$10,140,523
X-33 Total liabilities and net assetsStart of year $6,927,297$14,940,630
Part XI · Reconciliation of net assets $10,140,523 net assets at year end
XI-1 Total revenue$7,305,406
XI-2 Total expenses$3,594,695
XI-3 Revenue less expenses$3,710,711
XI-4 Net assets at start of year$6,436,185
XI-5 Net unrealized gains (losses) on investments−$6,373
XI-10 Net assets at end of year$10,140,523

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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