Number to Words
Write an amount out in words, Indian or international.
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Questions about what this tool does, which option to pick, or what it can and cannot handle.
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About the Number to Words
Writing a number out in words is required on cheques, in contracts, on invoices and in legal documents, for a reason that predates computers: words are much harder to alter than digits. A figure can have a nought added; "four thousand" cannot be quietly extended.
This converts a number into its written form, in both the international and the Indian numbering systems.
That distinction is the reason to have this rather than a generic converter. The international system groups digits in threes and counts in thousands, millions and billions. The Indian system groups the first three and then in twos, and counts in thousands, lakhs and crores. Ten million is ten million internationally and one crore in India, and 1,00,000 with that comma placement is one lakh. Neither is more correct; they are different conventions, and an amount written in the wrong one on an Indian cheque will be questioned.
The convention for currency amounts is worth following exactly. Indian cheques are conventionally written as "Rupees Four Lakh Fifty Thousand Only", with the currency first and "Only" at the end. "Only" is not decoration — it prevents anything being appended after the amount, which is the same reason the words are there at all.
Paise or cents are written after the main amount, commonly as "and fifty paise only" or with a fractional notation depending on the document. Hyphenation follows ordinary English: twenty-one through ninety-nine are hyphenated, and "and" appears before the final two digits in the British convention but not the American one.
For a cheque, copy the bank's own format if you have an example. Conventions vary and matching theirs avoids a conversation.
How to use it
- 1Enter the number you need written out.
- 2Choose the numbering system — lakhs and crores for Indian documents, millions and billions for international ones.
- 3Copy the words, adding the currency name at the front and “Only” at the end for a cheque.
- 4Check the result against your bank's own example if you have one, since conventions vary slightly.
Questions
- What is the difference between the Indian and international systems?
- Grouping and naming. International groups in threes and counts in thousands, millions and billions. Indian groups the first three then in twos, counting in thousands, lakhs and crores. Ten million is one crore.
- Why write “Only” at the end of a cheque?
- To stop anything being appended after the amount. It serves the same purpose as writing the figure in words in the first place — words are far harder to alter than digits.
- How should paise be written?
- After the main amount, commonly as “and fifty paise only”. Some documents use a fractional form instead. Follow whatever convention the receiving institution uses.
- Is “and” required before the last two digits?
- In British usage, yes — one hundred and five. American usage omits it. Both are understood on a cheque, and neither will cause a problem.