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Indian Numbering System in Excel Lakh and Crore Versus Million and Billion

One lakh is the most ordinary amount in Indian business - and the standard number-to-words code found all over the internet insists on calling it One Hundred Thousand. Neither answer is a bug. They are two different numbering systems, and your file can only speak one of them.

By Technical AnshuMicrosoft ExcelIncludes the full Indian function code
Watch the full video - the add-in installed and =SPELLNUMBER working live, step by step

Before you blame the function, be clear about the real question: not is it working, but which system is it working in. This page shows the difference, gives you a ten-second test to check the add-in from the video, and prints the complete Lakh and Crore version of the function, copy-paste ready.

Same number - two different answers
100000  Western systemOne Hundred Thousand
100000  Indian systemOne Lakh
12345678  Western systemTwelve Million Three Hundred Forty Five Thousand Six Hundred Seventy Eight
12345678  Indian systemOne Crore Twenty Three Lakh Forty Five Thousand Six Hundred Seventy Eight

Example values - both lines are correct, in two different numbering systems. Your invoice must pick one.

1

The Two Systems Group Digits Differently

The Western system climbs in steps of a thousand: Thousand, Million, Billion, and its commas group digits in threes - 12,345,678. The Indian system groups the first three digits, then twos - 1,23,45,678 - and climbs Thousand, Lakh (one hundred thousand), Crore (ten million), Arab, Kharab.

That is why this is not a word-swap. A function built for one system counts the digits in the wrong group sizes for the other, so simply renaming Million to Lakh inside the code produces confidently wrong words. Each system needs its own grouping logic.

2

Which System Does the Add-In From the Video Speak?

Here is the honest answer: the video demonstrates the function with 1000 rupees, and 1000 reads One Thousand in both systems - so the demo itself cannot tell us which system the file speaks, and this page will not pretend otherwise.

The test takes ten seconds. Type 100000 in a cell and run the function on it:

  1. If it answers One Lakh - your file speaks the Indian system
  2. If it answers One Hundred Thousand - your file speaks the Western system

Do this test once, before the file goes anywhere near a real invoice. The code printed on the main guide page of this series is the Western version.

3

The Indian System Function - Full Code

If the test shows you need Lakh and Crore, use this version. Paste it into a module exactly like the main guide describes (Insert then Module in the VBA editor). Its name is SpellNumberIndian, so both functions can even live in the same file while you compare them.

Option Explicit

'Main Function - Indian numbering system (Lakh and Crore)
Function SpellNumberIndian(ByVal MyNumber)
    Dim Rupees, Paise, Temp
    Dim DecimalPlace, Count
    ReDim Place(9) As String
    Place(2) = " Thousand "
    Place(3) = " Lakh "
    Place(4) = " Crore "
    Place(5) = " Arab "
    Place(6) = " Kharab "
    ' String representation of amount.
    MyNumber = Trim(Str(MyNumber))
    ' Position of decimal place 0 if none.
    DecimalPlace = InStr(MyNumber, ".")
    ' Convert Paise and set MyNumber to Rupee amount.
    If DecimalPlace > 0 Then
        Paise = GetTens(Left(Mid(MyNumber, DecimalPlace + 1) & "00", 2))
        MyNumber = Trim(Left(MyNumber, DecimalPlace - 1))
    End If
    ' First group is three digits (hundreds).
    Temp = GetHundreds(Right(MyNumber, 3))
    If Temp <> "" Then Rupees = Temp
    If Len(MyNumber) > 3 Then
        MyNumber = Left(MyNumber, Len(MyNumber) - 3)
    Else
        MyNumber = ""
    End If
    ' Every group after that is two digits (Thousand, Lakh, Crore...).
    Count = 2
    Do While MyNumber <> ""
        Temp = GetTens(Right("0" & MyNumber, 2))
        If Temp <> "" Then Rupees = Temp & Place(Count) & Rupees
        If Len(MyNumber) > 2 Then
            MyNumber = Left(MyNumber, Len(MyNumber) - 2)
        Else
            MyNumber = ""
        End If
        Count = Count + 1
    Loop
    Select Case Rupees
        Case ""
            Rupees = "No Rupees"
        Case "One"
            Rupees = "One Rupee"
        Case Else
            Rupees = Rupees & " Rupees"
    End Select
    Select Case Paise
        Case ""
            Paise = " Only"
        Case "One"
            Paise = " and One Paisa Only"
        Case Else
            Paise = " and " & Paise & " Paise Only"
    End Select
    ' Application.Trim removes the extra spaces the groups leave behind.
    SpellNumberIndian = Application.Trim(Rupees & Paise)
End Function

' Converts a number from 100-999 into text
Function GetHundreds(ByVal MyNumber)
    Dim Result As String
    If Val(MyNumber) = 0 Then Exit Function
    MyNumber = Right("000" & MyNumber, 3)
    ' Convert the hundreds place.
    If Mid(MyNumber, 1, 1) <> "0" Then
        Result = GetDigit(Mid(MyNumber, 1, 1)) & " Hundred "
    End If
    ' Convert the tens and ones place.
    If Mid(MyNumber, 2, 1) <> "0" Then
        Result = Result & GetTens(Mid(MyNumber, 2))
    Else
        Result = Result & GetDigit(Mid(MyNumber, 3))
    End If
    GetHundreds = Result
End Function

' Converts a number from 10 to 99 into text.
Function GetTens(TensText)
    Dim Result As String
    Result = "" ' Null out the temporary function value.
    If Val(Left(TensText, 1)) = 1 Then ' If value between 10-19...
        Select Case Val(TensText)
            Case 10: Result = "Ten"
            Case 11: Result = "Eleven"
            Case 12: Result = "Twelve"
            Case 13: Result = "Thirteen"
            Case 14: Result = "Fourteen"
            Case 15: Result = "Fifteen"
            Case 16: Result = "Sixteen"
            Case 17: Result = "Seventeen"
            Case 18: Result = "Eighteen"
            Case 19: Result = "Nineteen"
            Case Else
        End Select
    Else ' If value between 20-99...
        Select Case Val(Left(TensText, 1))
            Case 2: Result = "Twenty "
            Case 3: Result = "Thirty "
            Case 4: Result = "Forty "
            Case 5: Result = "Fifty "
            Case 6: Result = "Sixty "
            Case 7: Result = "Seventy "
            Case 8: Result = "Eighty "
            Case 9: Result = "Ninety "
            Case Else
        End Select
        Result = Result & GetDigit(Right(TensText, 1)) ' Retrieve ones place.
    End If
    GetTens = Result
End Function

' Converts a number from 1 to 9 into text.
Function GetDigit(Digit)
    Select Case Val(Digit)
        Case 1: GetDigit = "One"
        Case 2: GetDigit = "Two"
        Case 3: GetDigit = "Three"
        Case 4: GetDigit = "Four"
        Case 5: GetDigit = "Five"
        Case 6: GetDigit = "Six"
        Case 7: GetDigit = "Seven"
        Case 8: GetDigit = "Eight"
        Case 9: GetDigit = "Nine"
        Case Else: GetDigit = ""
    End Select
End Function

Use it as =SpellNumberIndian(A2). Notice what changed against the Western version: the main function first takes a group of three digits for the hundreds, then groups of two for Thousand, Lakh, Crore, Arab and Kharab. The three small helper functions at the bottom are identical in both versions.

4

Which One Should Your Office Use?

Match the words your money already speaks. If your cheques, invoices and auditors write Lakh and Crore - and in India they almost always do - the Indian version is the correct one, whatever the Western one claims. If your company invoices foreign clients in dollars, the Western version matches their reading.

Whichever you choose, choose it once, for the whole office. Two systems running in two departments of the same company is how an amount gets read wrong in a meeting - the figures agree, the words argue.

Watch the Full Video

See the file downloaded, the add-in switched on and the formula typed live - the complete method in about a minute.

Watch Full Video
Common Questions

Can I just rename Million to Lakh inside the Western code?

No. The word is only half the difference - the digit grouping changes too. In the Western code 100000 is read as a group of three digits, one hundred, in front of Thousand. Renaming words leaves that counting untouched and the results stay wrong. Use the Indian function, whose grouping is built for Lakh and Crore.

How do I check which system my existing file uses?

Type 100000 in any cell and run your function on it. One Lakh means the Indian system. One Hundred Thousand means the Western system. Amounts below one lakh read the same in both, which is why the difference so often goes unnoticed until a big invoice appears.

Does Excel Indian comma formatting change the words?

No. Number formats only change how the number is displayed - commas and decimals. The function reads the actual value in the cell, not the displayed text, so 1,00,000 and 100000 give the function exactly the same number.

This guide is based on the Technical Anshu video on converting numbers to words in Excel - if a step gets stuck, ask in the video comments and you will get an answer.