Function Ntow (amt As Variant) As Variant 
Dim FIGURE As Variant 
Dim LENFIG As Integer 
Dim i As Integer 
Dim WORDs(19) As String 
Dim tens(9) As String 
WORDs(1)= "One" 
WORDs(2)= "Two" 
WORDs(3)= "Three" 
WORDs(4)= "Four" 
WORDs(5)= "Five" 
WORDs(6)= "Six" 
WORDs(7)= "Seven" 
WORDs(8)= "Eight" 
WORDs(9)= "Nine" 
WORDs(10)= "Ten" 
WORDs(11)= "Eleven" 
WORDs(12)= "Twelve" 
WORDs(13)= "Thirteen" 
WORDs(14)= "Fourteen" 
WORDs(15)= "Fifteen" 
WORDs(16)= "Sixteen" 
WORDs(17)= "Seventeen" 
WORDs(18)= "Eighteen" 
WORDs(19)= "Nineteen" 

tens(2) = "Twenty" 
tens(3) = "Thirty" 
tens(4) = "Fourty" 
tens(5) = "Fifty" 
tens(6) = "Sixty" 
tens(7) = "Seventy" 
tens(8) = "Eighty" 
tens(9) = "Ninety" 

FIGURE = amt 
FIGURE = Format(FIGURE,"FIXED") 
FIGLEN = Len(FIGURE) 

If figlen < 12 Then 
FIGURE = Space(12-FIGLEN) & FIGURE 
End If 

If Val(Left(figure,9)) > 1 Then 
Ntow= "Rupees " 
Elseif Val(Left(figure,9)) = 1 Then 
Ntow = "Rupee " 
End If 

For i = 1 To 3 
If Val(Left(figure,2)) < 20 And Val(Left(figure,2)) > 0 Then 
Ntow = Ntow & words(Val(Left(figure,2))) 
Elseif Val(Left(figure,2)) > 19 Then 
Ntow = Ntow & tens(Val(Left(figure,1))) 
Ntow = Ntow & words(Val( Right(Left(figure,2),1) )) 
End If 

If i = 1 And Val(Left(figure,2)) > 0 Then 
Ntow = Ntow & " Crore " 
Elseif i = 2 And Val(Left(figure,2)) > 0 Then 
Ntow = Ntow & " Lakh " 
Elseif i = 3 And Val(Left(figure,2)) > 0 Then 
Ntow = Ntow & " Thousand " 
End If 
figure = Mid(figure,3) 
Next i 

If Val(Left(figure,1)) > 0 Then 
Ntow = Ntow & words(Val(Left(figure,1))) + " Hundred " 
End If 

figure = Mid(figure,2) 

If Val(Left(figure,2)) < 20 And Val(Left(figure,2)) > 0 Then 
Ntow = Ntow & words(Val(Left(figure,2))) 
Elseif Val(Left(figure,2)) > 19 Then 
Ntow = Ntow & tens(Val(Left(figure,1))) 
Ntow = Ntow & words(Val( Right(Left(figure,2),1) )) 
End If 
figure = Mid(figure,4) 

If Val(figure) > 0 Then 
Ntow = Ntow & " Paise " 
If Val(Left(figure,2)) < 20 And Val(Left(figure,2)) > 0 Then 
Ntow = Ntow & words(Val(Left(figure,2))) 
Elseif Val(Left(figure,2)) > 19 Then 
Ntow = Ntow & tens(Val(Left(figure,1))) 
Ntow = Ntow & words(Val( Right(Left(figure,2),1) )) 
End If 
End If 
FIGURE = amt 
FIGURE = Format(FIGURE,"FIXED") 
If Val(figure) > 0 Then 
Ntow = Ntow & " Only " 
End If 
End Function