1 million = 10 lakhs (in Indian rupees)
Then, 31.6 millions = 3 cr 16 lakhs
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Three hundred sixteen is the word form of 316.
316.
316 = (3 x 100) + (1 x 10) + (6 x 1)
You write 8.8 million as 8,800,000
To write 20.5 million numerically, you would write it as 20,500,000.