:RUPEES := GET_IN_WORDS (:TIT_AMT);

CREATE OR REPLACE FUNCTION GET_IN_WORDS (MNUM NUMBER) return varchar2 is
  mil        varchar2(50)  := '       TRILLIONBILLION MILLION THOUSAND   ';
  mWords     varchar2(180) := '';
  mAmount    number        := 0;
  ctr        number(3)     := 0;		
  num3       number(3)     := 0;
  num4       number(3)     := instr(to_char(mNum),'.');
  numDecimal varchar2(5)   := 0;
begin
  if num4 = 0 then
     numDecimal := '0.00';
     mAmount    := mNum;
  else
     numDecimal := '0'||ltrim(substr(to_char(mNum),num4,4));
     mAmount    := to_number(substr(to_char(mNum),1,num4-1));
  end if;
LOOP
  ctr := nvl(ctr,0) + 1;
  if ctr > 5 then
     exit ;
   end if;
   Num3   := to_number(nvl(substr(lpad(to_char(mAmount),15,'0'),ctr*3-2,3),'0'));
   if Num3 > 0 then
      mWords := mWords || ' ' || to_char(to_date(Num3,'J'),'JSP');
      mWords := mWords ||' '|| rtrim(substr(Mil,ctr*8,8));
   end if;
END LOOP;
 mWords := mWords || ' And '||numDecimal;
 return (mwords);
end;
/