Display numbers into words in indian format

Question

i used the bellow formula for disply laksh in crystal reports . but it returns 'hundred' for 'lakh'.
for e.g. i have used towords formula on 738195.12,and the output is 'Rupees seven hundred thirty-eight thousand one hundred ninety-five and twelve'. what should i do now???

if
right(Totext({amount}),2)="00"
then
uppercase(ToWords({amount},0))+" "+"Only"
else
uppercase(ToWords({amount},0))+" AND "+uppercase(ToWords(tonumber(right(Totext({amount}),2)),0))+" "+"Paisa Only"