Script to Convert amount from Numbers to Words in Oracle

CREATE OR REPLACE FUNCTION APPS.XXGL_AMT_IN_WORDS ( l_amt IN NUMBER, l_ccode  VARCHAR2)
RETURN VARCHAR2
AS
words          VARCHAR2(1000);
whole          VARCHAR2(500)  :=  NULL;
frac           VARCHAR2(500)  :=  NULL;
suffix1        VARCHAR2(20);
suffix2        VARCHAR2(20);
currency       NUMBER (20,3);
code           VARCHAR2(200);
c2             NUMBER;
i              NUMBER;
p              NUMBER;
flen           NUMBER;
text           VARCHAR2(30);
tl             NUMBER;
tl1            NUMBER;
BEGIN
  IF l_ccode IN ('BHD','KWD','OMR') THEN
     text := TO_CHAR(l_amt,'99999999.999');
     tl1  := 1000;
  ELSE
     text := TO_CHAR(l_amt,'99999999.99');
     tl1  := 100;
  END IF;
  tl       := LENGTH(text);
  p        := INSTR(text,'.',1,1);
  tl       := LENGTH(SUBSTR(text,p+1,tl));
  currency := TRUNC(l_amt);
  c2       := l_amt - currency;
  c2       := c2 * tl1 ;
  code     :=UPPER(l_ccode);
  BEGIN
     SELECT DECODE (l_ccode,'USD', 'cents',
                            'GBP','pences',
                            'SAR', 'halalat',
                            'QAR','dirhams',
                            'AED', 'fils',
                            'DEM', 'pfennigs',
                            'EUR','cent',
                            'INR','paise',
                            'FRF', 'centimes',
                            'BHD','fils',
                            'KWD','fils',
                            'OMR','baizas',
                            'PLN','groszy')
       INTO suffix2
       FROM DUAL;
  EXCEPTION
       WHEN OTHERS THEN
          RAISE;
  END;
  BEGIN
     SELECT   DECODE (l_ccode,'USD', ' US Dollars',
                              'BHD',' Bahraini Dinars',
                              'GBP',' Pounds',
                              'KWD',' Kuwaiti Dinars',
                              'SAR', ' Saudi Riyals',
                              'QAR',' Qatari Riyals',
                              'AED', ' UAE Dirhams',
                              'DEM', ' German Marks',
                              'EUR',' Euros',
                              'INR',' Indian Rupees',
                              'FRF', ' French Franks',
                              'OMR',' Omani Rials',
                              'IRR', ' Iran Rials',
                              'PLN', ' Zloty')
       INTO suffix1
       FROM DUAL;
  EXCEPTION
       WHEN OTHERS THEN
          RAISE;
  END;
  IF (currency + c2 = 0 ) THEN
     --words :='Zero '||' and Zero '||INITCAP(suffix2)||' '||'Only';
     words :='Zero ' || INITCAP(suffix1) ||' and Zero '||INITCAP(suffix2);--||' '||'Only';
  ELSE
     words :=ap_amount_utilities_pkg.ap_convert_number(currency) ||','|| ap_amount_utilities_pkg.ap_convert_number(c2) ;
     p     :=  INSTR (words,',',1,1);
     whole :=whole || SUBSTR(words,1,p-1);
     frac  :=frac || SUBSTR(words,p+1, LENGTH(words));
  --   words := INITCAP(replace(whole,'-',' '))||' and '||
--INITCAP(frac)||' '||INITCAP(suffix2)||' '||'Only';

words := INITCAP(replace(whole,'-',' '))|| INITCAP(suffix1) ||' and '||
         INITCAP(NVL(frac,'Zero'))||' '||INITCAP(suffix2);--||' '||'Only';
  END IF;
  RETURN words;
EXCEPTION
    WHEN OTHERS THEN
       words := 'UNKNOWN CURRENCY';
       RETURN words;
END XXGL_AMT_IN_WORDS;
/