crystal report towards function problem

Question

in crystal report i use towards function to convert the money to string like
562: five hndred and sixtytow only it works for up to 10 thousands only for laks also it will show thousands that is the problem
clearly ex:100000 : it display hundred thounds
but i want to display one lak  what can i do if any one find the solution plz tell me
actual code :
ToWords (Sum ({Form16_PartII.Amount}),0) + " only "